2012 Employer Health Benefits Survey

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    Section 1: Cost of Health Insurance
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    1. Exhibit 1.1: Average Monthly and Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2012
    2. Exhibit 1.2: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Firm Size, 2012
    3. Exhibit 1.3: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Region, 2012
    4. Exhibit 1.4: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Industry, 2012
    5. Exhibit 1.5: Average Annual Premiums for Covered Workers with Single Coverage, by Firm Characteristics, 2012
    6. Exhibit 1.6: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Characteristics, 2012
    7. Exhibit 1.7: Distribution of Annual Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2012
    8. Exhibit 1.8: Distribution of Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2012
    9. Exhibit 1.9: Distribution of Annual Premiums for Covered Workers with Single Coverage, 2012
    10. Exhibit 1.10: Distribution of Annual Premiums for Covered Workers with Family Coverage, 2012
    11. Exhibit 1.11: Average Annual Premiums for Single and Family Coverage, 1999-2012
    12. Exhibit 1.12: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2012
    13. Exhibit 1.13: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2012
    14. Exhibit 1.14: Among Workers in Large Firms (200 or More Workers), Average Annual Health Insurance Premiums for Family Coverage, by Funding Arrangement, 1999-2012
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    Section 2: Health Benefit Offer Rates
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    1. Exhibit 2.1: Percentage of Firms Offering Health Benefits, 1999–2012
    2. Exhibit 2.2: Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2012
    3. Exhibit 2.3: Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2012
    4. Exhibit 2.4: Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2012
    5. Exhibit 2.5: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999-2012
    6. Exhibit 2.6: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999-2012
    7. Exhibit 2.7: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999–2012
    8. Exhibit 2.8: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999–2012
    9. Exhibit 2.9: Among Firms Offering Health Benefits, Percentage That Offer or Contribute to a Separate Benefit Plan Providing Dental or Vision Benefits, by Firm Size, 2012
    10. Exhibit 2.10: Among Firms Offering Health Benefits, Percentage That Offer or Contribute to a Separate Benefit Plan Providing Dental or Vision Benefits, by Firm Size, 2000-2012
    11. Exhibit 2.11: Among Firms Offering Health Benefits, Distribution of Whether Employers Offer Health Benefits to Unmarried Opposite-Sex Domestic Partners, by Firm Size and Region, 2012
    12. Exhibit 2.12: Among Firms Offering Health Benefits, Distribution of Whether Employers Offer Health Benefits to Unmarried Same-Sex Domestic Partners, by Firm Size and Region, 2012
    13. Exhibit 2.13: Among Firms Offering Health Benefits, Percent of Employers That Offer Health Benefits to Unmarried Opposite-Sex and Same-Sex Domestic Partners, by Firm Size, 2008, 2009 & 2012
    14. Exhibit 2.14: Among Small Firms (3-199 Workers) Not Offering Health Benefits, the Most Important Reason for Not Offering, 2012
    15. Exhibit 2.15: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Report the Following Activities Regarding Health Benefits, 2007-2012
    16. Exhibit 2.16: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Provide Employees Funds to Purchase Non-Group Insurance, 2012
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    Section 3: Employee Coverage, Eligibility, and Participation
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    1. Exhibit 3.1: Percentage of All Workers Covered by Their Employers’ Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 1999-2012
    2. Exhibit 3.2: Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2012
    3. Exhibit 3.3: Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2012
    4. Exhibit 3.4: Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm Characteristics, 2012
    5. Exhibit 3.5: Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2012
    6. Exhibit 3.6: Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2012
    7. Exhibit 3.7: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2012
    8. Exhibit 3.8: Distribution of Covered Workers with the Following Waiting Periods for Coverage, 2012
    9. Exhibit 3.9: Distribution of Covered Workers Electing Single Coverage, Single Plus One Coverage, or Family Coverage, 2001-2012
    10. Exhibit 3.10: Distribution of Covered Workers Electing Single Coverage, Single Plus One Coverage, or Family Coverage, by Firm Size, 2001-2012
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    Section 6: Worker and Employer Contributions for Premiums
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    1. Exhibit 6.1: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2012
    2. Exhibit 6.2: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2012
    3. Exhibit 6.3: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2012
    4. Exhibit 6.4: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2012
    5. Exhibit 6.5: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2012
    6. Exhibit 6.6: Average Annual Worker Contributions for Covered Workers with Average Annual Worker Contributions for Covered Workers with
    7. Exhibit 6.7: Average Annual Worker Contributions for Covered Workers with Family Coverage, by Firm Size, 1999-2012
    8. Exhibit 6.8: Average Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Firm Size, 1999-2012
    9. Exhibit 6.9: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single Coverage, by Plan Type and Firm Size, 2012
    10. Exhibit 6.10: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Family Coverage, by Plan Type and Firm Size, 2012
    11. Exhibit 6.11: Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2012
    12. Exhibit 6.12: Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2012
    13. Exhibit 6.13: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2012
    14. Exhibit 6.14: Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2012
    15. Exhibit 6.15: Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2012
    16. Exhibit 6.16: Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2012
    17. Exhibit 6.17: Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2012
    18. Exhibit 6.18: Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Wage Level, 2012
    19. Exhibit 6.19: Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2012
    20. Exhibit 6.20: Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2012
    21. Exhibit 6.21: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2012
    22. Exhibit 6.22: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2012
    23. Exhibit 6.23: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2012
    24. Exhibit 6.24: Average Percentage of Premium Paid by Covered Workers, by Plan Type and Industry, 2012
    25. Exhibit 6.25: Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage, 2012
    26. Exhibit 6.26: Among Firms Offering Health Benefits, Percentage That Vary Worker Premium Contributions by Wage Level, by Firm Size and Region, 2012
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    Section 7: Employee Cost Sharing
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    1. Exhibit 7.1: Percentage of Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, by Plan Type and Firm Size, 2012
    2. Exhibit 7.2: Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percentage Who Have the Following Types of Cost Sharing, by Plan Type, 2012
    3. Exhibit 7.3: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2012
    4. Exhibit 7.4: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Region, 2012
    5. Exhibit 7.5: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006- 2012
    6. Exhibit 7.6: Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2012
    7. Exhibit 7.7: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2006-2012
    8. Exhibit 7.8: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2006-2012
    9. Exhibit 7.9: Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2012
    10. Exhibit 7.10: Among Covered Workers With a General Annual Health Plan Deductible for Single POS Coverage, Distribution of Deductibles, 2006-2012
    11. Exhibit 7.11: Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2012
    12. Exhibit 7.12: Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2012
    13. Exhibit 7.13: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2012
    14. Exhibit 7.14: Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, by Plan Type, 2012
    15. Exhibit 7.15: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, by Plan Type, 2012
    16. Exhibit 7.16: Among Covered Workers With a Separate per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Maximum Number of Family Members Required to Meet the Deductible, by Plan Type, 2012
    17. Exhibit 7.17: Among Covered Workers With an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Aggregate Deductibles, by Plan Type, 2006-2012
    18. Exhibit 7.18: Among Covered Workers with a General Annual Health Plan Deductible, Percentage with Coverage for the Following Services Without Having to First Meet the Deductible, by Plan Type, 2012
    19. Exhibit 7.19: Distribution of Covered Workers With Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2012
    20. Exhibit 7.20: Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2012
    21. Exhibit 7.21: Among Covered Workers with Separate Cost Sharing for a Hospital Admission or Outpatient Surgery Episode in Addition to Any General Annual Deductible, Average Cost Sharing, by Plan Type, 2012
    22. Exhibit 7.22: In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with the Following Types of Cost Sharing for Physician Office Visits and Emergency Room Visits, by Plan Type, 2012
    23. Exhibit 7.23: In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with Emergency Room Cost Sharing, by Plan Type, 2012
    24. Exhibit 7.24: Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office and Emergency Room Visits, Average Copayments and Coinsurance, by Plan Type, 2012
    25. Exhibit 7.25: Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, by Plan Type, 2012
    26. Exhibit 7.26: Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, by Plan Type, 2012
    27. Exhibit 7.27: Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, 2006-2012
    28. Exhibit 7.28: Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, 2006-2012
    29. Exhibit 7.29: Percentage of Covered Workers without an Annual Out-of-Pocket Maximum for Single and Family Coverage, by Plan Type, 2012
    30. Exhibit 7.30: Among Covered Workers with an Annual Out-of-Pocket Maximum, Percentage Whose Spending on Various Services Does Not Count Towards the Out-of-Pocket Maximum, by Plan Type, 2012
    31. Exhibit 7.31: Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2012
    32. Exhibit 7.32: Distribution of Type of Out-of-Pocket Maximum for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2012
    33. Exhibit 7.33: Among Covered Workers with an Aggregate Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2012
    34. Exhibit 7.34: Among Covered Workers with a Separate per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2012
    35. Exhibit 7.35: Among Covered Workers with a Separate per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Number of Family Members Required to Meet the Maximum, by Plan Type, 2012
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    Section 8: High-Deductible Health Plans with Savings Option
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    1. Exhibit 8.1: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2012
    2. Exhibit 8.2: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2012
    3. Exhibit 8.3: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2005-2012
    4. Exhibit 8.4: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2012
    5. Exhibit 8.5: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, by Firm Size, 2012
    6. Exhibit 8.6: HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2012
    7. Exhibit 8.7: Average Annual Premiums and Contributions to Savings Accounts for Covered Workers in HDHP/HRAs or HSA-Qualified HDHPs, Compared to All Non-HDHP/SO Plans, 2012
    8. Exhibit 8.8: Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2012
    9. Exhibit 8.9: Among Covered Workers, Distribution of Type of General Annual Deductible for Family Coverage, HDHP/HRAs and HSA-Qualified HDHPs, 2012
    10. Exhibit 8.10: Distribution of Covered Workers with the Following
    11. Exhibit 8.11: Percentage of Covered Workers with Coverage for the Following Services Without Having to First Meet the Deductible, HDHP/HRAs, by Firm Size, 2012
    12. Exhibit 8.12: Percentage of Covered Workers in Partially or Fully
    13. Exhibit 8.13: Distribution of Covered Workers with the Following
    14. Exhibit 8.14: Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Family Coverage, 2012
    15. Exhibit 8.15: Distribution of Firm Contributions to the HRA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HRA, 2012
    16. Exhibit 8.16: Distribution of Firm Contributions to the HSA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HSA, 2012
    17. Exhibit 8.17: Distribution of Covered Workers in HDHP/HRAs and HSA-Qualified HDHPs with the Following Types of Cost Sharing in Addition to the General Annual Deductible, 2012
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    Section 9: Prescription Drug Benefits
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    1. Exhibit 9.1: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2012
    2. Exhibit 9.2: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2012
    3. Exhibit 9.3: Among Workers with Three, Four, or More Tiers of Cost Sharing, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2012
    4. Exhibit 9.4: Among Covered Workers with Three, Four, or More Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance by Drug Type, 2000-2012
    5. Exhibit 9.5: Among Workers with Two Tiers of Cost Sharing for Prescription Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2012
    6. Exhibit 9.6: Among Covered Workers with Two Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2012
    7. Exhibit 9.7: Among Workers with the Same Cost Sharing Regardless of Type of Drug, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Plan Type, 2012
    8. Exhibit 9.8: Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2012
    9. Exhibit 9.9: Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, 2012
    10. Exhibit 9.10: Percentage of Covered Workers with Drug Coverage Who Face a Separate Prescription Drug Deductible, by Plan Type, 2005-2012
    11. Exhibit 9.11: Percentage of Covered Workers with Drug Coverage with a Separate Annual Out-of-Pocket Limit That Applies to Prescription Drugs, by Plan Type, 2007-2012
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    Section 12: Wellness Programs and Health Risk Assessments
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    1. Exhibit 12.1: Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2012
    2. Exhibit 12.2: Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2012
    3. Exhibit 12.3: Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, 2012
    4. Exhibit 12.4: Among Firms Offering Health and Wellness Benefits, Percentage of Firms with the Following Features of Wellness Benefits, by Firm Size and Region, 2012
    5. Exhibit 12.5: Among Firms Offering Health and Wellness Benefits, Percentage of Firms That Offer Specific Incentives to Employees Who Participate in Wellness Programs, by Firm Size and Region, 2012
    6. Exhibit 12.6: Among Firms Offering Health Benefits and Wellness Programs, Percentage That Use Specific Methods to Identify Individuals and Encourage Participation in Wellness Programs, by Firm Size and Region, 2012
    7. Exhibit 12.7: Among Firms Offering Health Benefits and Wellness Programs, Percentage of Firms Reporting the Following as the Firm’s Primary Reason for Offering Wellness Programs, by Firm Size, 2012
    8. Exhibit 12.8: Among Firms Offering Health Benefits and Wellness Programs, Percentage of Firms That Think Offering Wellness Programs is Effective at Improving Health or Reducing Costs, by Firm Size, 2012
    9. Exhibit 12.9: Among Firms Offering Wellness Programs and a HDHP/SO, Percentage of Firms That Said the Decision to Offer Wellness Programs was Related to the Decision to Offer a High Deductible Health Plan, by Firm Size, 2012
    10. Exhibit 12.10: Among Firms Offering Health Benefits, Percentage of Firms That Offer Employees Health Risk Assessments, by Firm Size, 2012
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