2019 Employer Health Benefits Survey

Section 5: Market Shares of Health Plans

PPOs are the most common plan type, covering 44% of covered workers, followed by HDHP/SOs, HMOs, POS plans, and conventional plans. The drop in the share of covered workers in PPOs in 2019 was not statistically significant.

  • Forty-four percent of covered workers are enrolled in PPOs, followed by HDHP/SOs (30%), HMOs (19%), POS plans (7%), and conventional plans (1%) [Figure 5.1].
  • The percentage of covered workers enrolled in HDHP/SOs is similar to last year, but has increased over the past decade.
  • The percentage of covered workers enrolled in PPOs decreased by 16% over the past decade.
  • A larger share of covered workers are enrolled in HDHP/SOs than in HMOs in large firms.
  • Covered workers in large firms are more likely to be enrolled in PPOs and HDHP/SOs than covered workers in small firms [Figure 5.2]. Covered workers in small firms are much more likely than covered workers in large firms to be enrolled in POS plans (14% vs. 3%) [Figure 5.2].
  • Plan enrollment patterns also differ across regions.
    • HMO enrollment is significantly higher in the West (35%), and significantly lower in the South (11%) and Midwest (10%) [Figure 5.3].
      • Covered workers in the Northeast (39%) are more likely to be enrolled in HDHP/SOs than workers in other regions, while covered workers in the West (20%) are less likely to be enrolled in HDHP/SOs [Figure 5.3].

Figure 5.1: Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2019

Figure 5.1: Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2019

Figure 5.2: Distribution of Health Plan Enrollment for Covered Workers, by Plan Type and Firm Size, 2019

Figure 5.2: Distribution of Health Plan Enrollment for Covered Workers, by Plan Type and Firm Size, 2019

Figure 5.3: Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2019

Figure 5.3: Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2019

Section 4: Types of Plans Offered Section 6: Worker and Employer Contributions for Premiums