2012 Employer Health Benefits Survey
Section 5: Market Shares of Health Plans
Enrollment remains highest in PPOs, with more than half of covered workers, followed by HDHP/SOs, HMOs, POS plans, and conventional plans. PPOs remain more popular for covered workers in large firms and HDHP/SO and POS plans are relatively more popular in smaller firms.
- Fifty-six percent of covered workers are enrolled in PPOs, followed by HDHP/SOs (19%), HMOs (16%), POS plans (9%), and conventional plans (<1%) (Exhibit 5.1).
- After two years of significant increases in the percentage of covered workers enrolled in HDHP/SO plans (8% in 2009, 13% in 2010, and 17% in 2011), there was a similar level of enrollment in 2012 (19%) compared to last year (Exhibit 5.1).
- Plan enrollment patterns vary by firm size. Workers in large firms (200 or more workers) are more likely than workers in small firms (3-199 workers) to enroll in PPOs (63% vs. 43%). Workers in small firms are more likely than workers in large firms to enroll in POS plans (18% vs. 4%) and HDHP/SO plans (24% vs. 17%) (Exhibit 5.3).
- Plan enrollment patterns also differ across regions.
- HMO enrollment is significantly higher in the West (27%) and significantly lower in the South (12%) and Midwest (8%) (Exhibit 5.3).
- Workers in the South (62%) are more likely to be enrolled in PPO plans than workers in other regions; workers in the West (48%) are less likely to be enrolled in a PPO (Exhibit 5.3).
- Enrollment in HDHP/SOs is higher among workers in the Midwest (29%) than in other regions (Exhibit 5.3).