2009 employer health benefits survey _7936

8/8/2019 2009 Employer Health Benefits Survey _7936

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2009-and-

T H E K A I S E R F A M I L y F O u N D A T I O N

- A N D -

H E A L T H R E S E A R C H &

E D u C A T I O N A L T R u S T

2 0 0 9 A n n u a l S u r v e y

EmpoHth

Bf i t s


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The Kaiser Family Foundation is a non-prot private operating ondation, based in Menlo Park,

Caliornia, dedicated to prodcing and commnicating the best possible analysis and inormation

on health isses.

Fonded in 1944, the Health Research & Educational Trust (HRET) is a private, not-or-prot

organization involved in research, edcation, and demonstration programs addressing health

management and policy isses. An aliate o the American Hospital Association (AHA), HRET

collaborates with health care, government, academic, bsiness, and commnity organizations across

the united States to condct research and disseminate ndings that shape the tre o health care.

For more inormation abot HRET, visit www.hret.org.

NORC, known since its onding in 1941 as the National Opinion Research Center, prses objective

research that serves the pblic interest. NORC has oces on the university o Chicago camps and

in Chicago, Bethesda, MD, and Berkeley, CA, and a eld staf that operates nationwide. NORCs clients

inclde government agencies, edcational instittions, ondations, other nonprot organizations, and

private corporations. Its projects are interdisciplinary and are local, regional, national, and international

in scope.

Copyright 2009 Henry J. Kaiser Family Fondation, Menlo Park, Caliornia, and Health Research &

Edcational Trst, Chicago, Illinois. All rights reserved.

Printed in the united States o America.

ISBN: 978-0-87258-864-6

American Hospital Association/Health Research & Edcational Trst Catalog Nmber 097520

Primary Authors:

KAISER FAMILY FOUNDATION

Gary Claxton

Bianca DiJulioBenjamin Finder

Janet Lundy

HEALTH RESEARCH & EDUCATIONAL TRUST

Megan McHugh

Awo Osei-Anto

NATIONAL OpINION RESEARCH CENTER

Heidi Whitmore

Jeremy pickreign

Jon Gabel


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A N D

h e a l t h r e s e a r C h &

e d u C a t i o n a l t r u s t

Empo

Hth

Bits

2 0 0 9 A n n u a l S u r v e y


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t h e k a i s e r f a m i l y f o u n d a t i o n - a n d - h e a l t h r e s e a r C h & e d u C a t i o n a l t r u s t

T A b l e o f C o N T e N T s

l i s T of ex h i b i Ts

s u mmA ry of fi ND i Ng s 1

s u rvey D es i g N A ND meTh oD s 9

s e C T i o N 1

Cost o Hth Isc 19

s e C T i o N 2

Hth Bits O Rts 35

s e C T i o N 3

Empo Cog, Eigibiit, d Pticiptio 47

s e C T i o N 4

ps o Ps Od 55

s e C T i o N 5

Mkt Shs o Hth Ps 61

s e C T i o N 6

Wok d Empo Cotibtios o Pmims 65

s e C T i o N 7

Empo Cost Shig 91

s e C T i o N 8

High-Ddctib Hth Ps with Sigs Optio 123

s e C T i o N 9

Psciptio Dg Bits 143

s eCTi oN 1 0

P Fdig 155

s eCTi oN 1 1

Rti Hth Bits 163

s eCTi oN 1 2

Wss Pogms d Hth Risk Assssmts 169

s eCTi oN 1 3

Empo d Hth P Pctics, d Empo Opiios 181


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v


s u rvey D es i g N A ND meTh oD s

exb m.1 15

Sctd Chctistics o Fims i th SSmp, 2009

exb m.2 16

Distibtio o Empos, Woks,d Woks Cod b Hth Bts,b Fim Siz, 2009

exb m.3 17

Stts b Rgio, 2009

Cos T of h eA l Th i Ns u rA NCe

exb 1.1 22

Ag Moth d A Pmimso Cod Woks, Sig d FmiCog, b P p, 2009

exb 1.2 23

Ag Moth d A Pmims oCod Woks, b P p d Fim Siz,2009

exb 1.3 24

Ag Moth d A Pmims oCod Woks, b P p d Rgio,

2009

exb 1.4 25

Ag Moth d A Pmims oCod Woks, b P p d Idst,2009

exb 1.5 27

Ag A Pmims o CodWoks with Sig Cog, b FimChctistics, 2009

exb 1.6 28

Ag A Pmims o CodWoks with Fmi Cog, b FimChctistics, 2009

exb 1.7 29

Distibtio o A Pmims o Sigd Fmi Cog Rti to th Ag

A Sig o Fmi Pmim, 2009

exb 1.8 29

Distibtio o Pmims o Sig dFmi Cog Rti to th Ag

A Sig o Fmi Pmim, 2009

exb 1.9 30

Distibtio o A Pmims o CodWoks with Sig Cog, 2009

exb 1.10 30

Distibtio o A Pmims o CodWoks with Fmi Cog, 2009

exb 1.11 31

Ag A Pmims o Sig d FmiCog, b Whth o Not Fim Od thSm P Lst Y d b Fim Siz, 2009

exb 1.12 32

Ag A Pmims o Sig dFmi Cog, 19992009

exb 1.13 33

Ag A Pmims o CodWoks with Fmi Cog, b Fim Siz,19992009

exb 1.14 33

Ag A Pmims o CodWoks with Fmi Cog, b Fim Siz,19992009

exb 1.15 34

Amog Woks i Lg Fims (200 o

Mo Woks), Ag Hth IscPmims o Fmi Cog, b FdigAgmt, 19992009

h eA l Th b eNefi Ts offer r A Tes

exb 2.1 38

Pctg o Fims Oig Hth Bts,19992009

exb 2.2 38

Pctg o Fims Oig Hth Bts,b Fim Siz, 19992009

exb 2.3 39

Pctg o Fims Oig Hth Bts,b Fim Siz, Rgio, d Idst, 2009

exb 2.4 40

Pctg o Fims Oig Hth Bts,b Fim Chctistics, 2009

exb 2.5 41

Amog Fims Oig Hth Bts,Pctg Tt O Hth Bts toPt-im Woks, b Fim Siz, 19992009

l i s T o f e x h i b i T s


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v

exb 2.6 41

Amog Fims Oig Hth Bts,Pctg Tt O Hth Bts tompo Woks, b Fim Siz, 19992009

exb 2.7 42

Amog Fims Oig Hth Bts,Distibtio o Whth Empos OHth Bts to Umid Opposit-SxDomstic Pts, b Fim Siz, Rgio,d Idst, 2009

exb 2.8 43

Amog Fims Oig Hth Bts,Distibtio o Whth Empos OHth Bts to Umid Sm-SxDomstic Pts, b Fim Siz, Rgio,d Idst, 2009

exb 2.9 44Amog Sm Fims (3199 Woks)Not Oig Hth Bts, Rsoso Not Oig, 2009

exb 2.10 44

Amog Sm Fims (3199 Woks) NotOig Hth Bts, Pctg TtRpot T Foowig Actiitis RgdigHth Bts, b Fim Siz, 2009

exb 2.11 45

Amog Sm Fims (3199 Woks) NotOig Hth Bts, Empo Bis

Abot Empos Pcs o High Wgs

o Hth Isc Bts, 20032009

exb 2.12 45

Amog Sm Fims (3199 Woks) NotOig Bts, Distibtio o Fims bth Amot T Bi T Cod Aodto P Moth o Hth IscCog o Empo with SigCog, b Fim Siz, 2009

exb 2.13 46

Amog Sm Fims (3199 Woks) NotOig Hth Bts, Distibtio oFims b th Amot T Bi th otMoth Cost o Hth Isc o O

Empo with Sig Cog Wod b iT Od th Bt, b Fim Siz, 2009

empl oy ee CoverA g e,

eligibiliTy, AND pArTiCipATioN

exb 3.1 50

Pctg o A Woks Cod b TiEmpos Hth Bts, i Fims BothOig d Not Oig Hth Bts,b Fim Siz, 19992009

exb 3.2 51

Eigibiit, k-Up Rt, d Cog iFims Oig Hth Bts, b Fim Siz,Rgio, d Idst, 2009

exb 3.3 52

Amog Woks i Fims Oig HthBts, Pctg o Woks Eigibo Hth Bts Od b Ti Fim,b Fim Chctistics, 2009

exb 3.4 52

Amog Woks i Fims Oig HthBts, Pctg o Eigib Woks Whok Up Hth Bts Od b TiFim, b Fim Chctistics, 2009

exb 3.5 53

Amog Woks i Fims Oig Hth

Bts, Pctg o Woks Codb Hth Bts Od b Ti Fim,b Fim Chctistics, 2009

exb 3.6 53

Eigibiit, k-Up Rt, d Cogo Woks i Fims Oig Hth Bts,b Fim Siz, 19992009

exb 3.7 54

Pctg o Cod Woks i Fims with Witig Piod o Cog d Ag

Witig Piod i Moths, b Fim Siz,Rgio, d Idst, 2009

exb 3.8 54

Distibtio o Cod Woks with thFoowig Witig Piods o Cog, 2009

Ty pes of pl A Ns offereD

exb 4.1 57

Amog Fims Oig Hth Bts,Pctg o Fims Tt O O, wo, oT o Mo P ps, b Fim Siz, 2009

exb 4.2 58

Amog Fims Oig Hth Bts,Pctg o Cod Woks i FimsOig O, wo, o T o Mo P

ps, b Fim Siz, 2009exb 4.3 59

Amog Fims Oig Hth Bts,Pctg o Fims Tt O th FoowigP ps, b Fim Siz, 2009

exb 4.4 59

Amog Fims Oig Hth Bts,Pctg o Cod Woks i Fims TtO th Foowig P ps, b Fim Siz,2009


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v


mA rk eT s h A res of h eA l Th pl A Ns

exb 5.1 63

Distibtio o Hth P Eomt o

Cod Woks, b P p, 19882009

exb 5.2 64

Distibtio o Hth P Eomto Cod Woks, b Fim Siz, Rgio,d Idst, 2009

Work er A ND empl oy er

CoNTri b u Ti oNs for premi u ms

exb 6.1 68

Ag Pctg o Pmim Pidb Cod Woks o Sig d FmiCog, 19992009

exb 6.2 69Ag Moth Wok PmimCotibtios Pid b Cod Wokso Sig d Fmi Cog, 19992009

exb 6.3 70

Ag A Wok d EmpoCotibtios to Pmims d otPmims o Sig Cog, 19992009

exb 6.4 71

Ag A Wok d EmpoCotibtios to Pmims d otPmims o Fmi Cog, 19992009

exb 6.5 72

Ag A Fim d Wok PmimCotibtios d ot Pmims oCod Woks o Sig d FmiCog, b P p, 2009

exb 6.6 73

Ag A Wok Cotibtioso Cod Woks with Sig Cog,b Fim Siz, 19992009

exb 6.7 74

Ag A Wok Cotibtioso Cod Woks with Fmi Cog,b Fim Siz, 19992009

exb 6.8 75Ag A Wok PmimCotibtios Pid b Cod Wokso Sig d Fmi Cog, b Fim Siz,19992009

exb 6.9 76

Ag A Fim d Wok PmimCotibtios d ot Pmims oCod Woks o Sig Cog,b P p d Fim Siz, 2009

exb 6.10 77

Ag A Fim d Wok PmimCotibtios d ot Pmims oCod Woks o Fmi Cog,

b P p d Fim Siz, 2009

exb 6.11 78

Ag Moth d A WokPmim Cotibtios Pid b Cod

Woks o Sig d Fmi Cog,b P p d Fim Siz, 2009

exb 6.12 79

Ag Moth d A WokPmim Cotibtios Pid b Cod

Woks o Sig d Fmi Cog,b P p d Rgio, 2009

exb 6.13 80

Ag Moth Wok PmimCotibtios Pid b Cod Wokso Sig d Fmi Cog, b P p,19992009

exb 6.14 80

Distibtio o Wok PmimCotibtios o Sig d Fmi CogRti to th Ag A WokPmim Cotibtio, 2009

exb 6.15 81

Distibtio o Pctg o Pmim Pidb Cod Woks o Sig d FmiCog, 20012009

exb 6.16 82

Distibtio o Pctg o Pmim Pidb Cod Woks o Sig Cog,b Fim Siz, 20012009

exb 6.17 83

Distibtio o Pctg o Pmim Pidb Cod Woks o Fmi Cog,b Fim Siz, 20012009

exb 6.18 84

Ag Pctg o Pmim Pidb Cod Woks o Sig Cog,b Fim Chctistics, 2009

exb 6.19 85Ag Pctg o Pmim Pidb Cod Woks o Fmi Cog,b Fim Chctistics, 2009

exb 6.20 86

Ag Pctg o Pmim Pidb Cod Woks o Sig d FmiCog, b P p d Fim Siz, 2009


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v

exb 6.21 87

Ag Pctg o Pmim Pidb Cod Woks o Sig d FmiCog, b P p, 19992009

exb 6.22 88

Ag Pctg o Pmim Pidb Cod Woks o Sig d FmiCog, b P p d Rgio, 2009

exb 6.23 89

Ag Pctg o Pmim Pid bCod Woks, b P p d Idst,2009

empl oy ee Cos T s h A ri Ng

exb 7.1 96

Pctg o Cod Woks With No

G A Hth P Ddctibo Sig d Fmi Cog, b P pd Fim Siz, 2009

exb 7.2 97

Amog Cod Woks with No GA Hth P Ddctib o Sig dFmi Cog, Pctg Who H thFoowig ps o Cost Shig, b Pp, 2009

exb 7.3 98

Amog Cod Woks with GA Hth P Ddctib o SigCog, Ag Ddctib, b P p

d Fim Siz, 2009

exb 7.4 99

Amog Cod Woks with GA Hth P Ddctib o SigCog, Ag Ddctib, b P pd Rgio, 2009

exb 7.5 100

Amog Cod Woks with G AHth P Ddctib o Sig Cog,

Ag Ddctib, b P p, 20062009

exb 7.6 101

Pctg o Cod Woks Eod i

P with High G A Ddctibo Sig Cog, B Fim Siz, 2009

exb 7.7 102

Pctg o Cod Woks Eodi P with G A Ddctibo $1,000 o Mo o Sig Cog,B Fim Siz, 20062009

exb 7.8 103

Amog Cod Woks With G AHth P Ddctib o Sig PPO Cog,Distibtio o Ddctibs, 20062009

exb 7.9 103

Amog Cod Woks With GA Hth P Ddctib o SigPOS Cog, Distibtio o Ddctibs,

20062009

exb 7.10 104

Distibtio o p o G ADdctib o Cod Woks with FmiCog, b P p d Fim Siz, 2009

exb 7.11 105

Amog Cod Woks with GA Hth P Ddctib, AgDdctibs o Fmi Cog, b Ddctibp, P p, d Fim Siz, 2009

exb 7.12 106

Amog Cod Woks with G

A Hth P Ddctib o FmiCog, Ag Agggt Ddctib,b P p, 20062009

exb 7.13 107

Amog Cod Woks with GA Hth P Ddctib, AgDdctibs o Fmi Cog, b Ddctibp, P p, d Fim Siz, 2009

exb 7.14 108

Amog Cod Woks With Spt pPso G A Hth P Ddctibo Fmi Cog, Distibtio o MximmNmb o Fmi Mmbs Rqid to Mt

th Ddctib, b P p, 2009

exb 7.15 109

Amog Cod Woks With AgggtG A Hth P Ddctib oFmi Cog, Distibtio o AgggtDdctibs, b P p, 20062009

exb 7.16 110

Amog Cod Woks with GA Hth P Ddctib, Pctgwith Cog o th Foowig SicsWithot Hig to Fist Mt th Ddctib,b P p, 2009

exb 7.17 110

Distibtio o Cod Woks WithSpt Cost Shig o Hospit

Admissio i Additio to A GA Ddctib, b P p, 2009

exb 7.18 111

Distibtio o Cod Woks WithSpt Cost Shig o OtptitSg i Additio to A G ADdctib, b P p, 2009


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x


exb 7.19 112

Amog Cod Woks With SptCost Shig o Hospit Admissio oOtptit Sg i Additio to A

G A Ddctib, Ag CostShig, b P p, 2009

exb 7.20 113

I Additio to A P Ddctib,Pctg o Cod Woks With thFoowig ps o Cost Shig o PhsiciOfc Visits, b P p, 2009

exb 7.21 113

Amog Cod Woks with Copmtsd/o Coisc o I-Ntwok PhsiciOfc Visits, Ag Copmts dCoisc, b P p, 2009

exb 7.22 114Amog Cod Woks With Copmtso Phsici Ofc Visit with PimC Phsici, Distibtio o Copmts,b P p, 20042009

exb 7.23 115

Amog Cod Woks With Copmtso Phsici Ofc Visit with SpcitC Phsici, Distibtio o Copmts,b P p, 20062009

exb 7.24 116

Amog Cod Woks i HMOs WithCopmts o Phsici Ofc Visit,

Distibtio o Pctg o Woks withVios Copmts, 19992009

exb 7.25 116

Amog Cod Woks With Coisco Phsici Ofc Visits, Distibtio o

Ag Coisc Rts, b P p, 2009

exb 7.26 117

Pctg o Cod Woks Withot A Ot-o-Pockt Mximm o Sigd Fmi Cog, b P p, 2009

exb 7.27 117

Amog Cod Woks with AOt-o-Pockt Mximm, Pctg Whos

Spdig o Vios Sics Dos Not Cotowds th Ot-o-Pockt Mximm, 2009

exb 7.28 118

Amog Cod Woks with Ot-o-PocktMximm o Sig Cog, Distibtio oOt-o-Pockt Mximms, b P p, 2009

exb 7.29 119

Distibtio o p o Ot-o-PocktMximm o Cod Woks with FmiCog, b P p d Fim Siz, 2009

exb 7.30 120

Amog Cod Woks with AgggtOt-o-Pockt Mximm o FmiCog, Distibtio o Ot-o-Pockt

Mximms, b P p, 2009

exb 7.31 121

Amog Cod Woks with Spt pPso Ot-o-Pockt Mximm o FmiCog, Distibtio o Ot-o-PocktMximms, b P p, 2009

exb 7.32 121

Amog Cod Woks with Spt pPso Ot-o-Pockt Mximm o FmiCog, Distibtio o Mximm Nmbo Fmi Mmbs Rqid to Mt thMximm, b P p, 2009

h i g h -D eD u CTi b l e h eA l Th pl A Ns

Wi Th s A vi Ng s opTi oN

exb 8.1 129

Amog Fims Oig Hth Bts,Pctg Tt O HDHP/HRA d/o HSA-Qid HDHP, 20052009

exb 8.2 129

Amog Fims Oig Hth Bts,Pctg Tt O HDHP/SO, b FimSiz, 2009

exb 8.3 130

Amog Fims Oig Hth Bts,

Pctg Tt O HDHP/SO, b FimSiz, 20052009

exb 8.4 130

Pctg o Cod Woks Eodi HDHP/HRA o HSA-Qid HDHP,20062009

exb 8.5 131

Pctg o Cod Woks Eodi HDHP/HRA o HSA-Qid HDHP,b Fim Siz, 2009

exb 8.6 131

HDHP/HRA d HSA-Qid HDHP

Fts o Cod Woks, 2009

exb 8.7 132

HSA-Qid HDHP Fts o CodWoks, b Fim Siz, 2009

exb 8.8 133

Ag A Pmims d Cotibtiosto Sigs Accots Fo Cod Woksi HDHP/HRAs o HSA-Qid HDHPs,Compd to A No-HDHP/SO Ps, 2009


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x

exb 8.9 134

Distibtio o Cod Woks with thFoowig G A Ddctib

Amots o Sig Cog, HSA-Qid

HDHPs d HDHP/HRAs, 2009

exb 8.10 134

Amog Cod Woks, Distibtio op o G A Ddctib o FmiCog, HDHP/HRAs d HSA-QidHDHPs, 2009

exb 8.11 135

Distibtio o Cod Woks with thFoowig Agggt Fmi Ddctib

Amots, HDHP/HRAs d HSA-QidHDHPs, 2009

exb 8.12 135

Pctg o Cod Woks with Cogo th Foowig Sics Withot Hig toFist Mt th Ddctib, HDHP/HRAs dHSA-Qid HDHPs, b Bt p, 2009

exb 8.13 136

Pctg o Cod Woks i Pti oCompt S-Fdd HDHP/HRAs dHSA-Qid HDHPs, 2009

exb 8.14 136

Distibtio o Cod Woks with thFoowig A Empo Cotibtios tothi HRA o HSA, o Sig Cog, 2009

exb 8.15 137

Distibtio o Cod Woks with thFoowig A Empo Cotibtios tothi HRA o HSA, o Fmi Cog, 2009

exb 8.16 137

Distibtio o Fim Cotibtios to thHRA o Sig d Fmi Cog Rtito th Ag A Fim Cotibtioto th HRA, 2009

exb 8.17 138

Distibtio o Fim Cotibtios to thHSA o Sig d Fmi Cog Rtito th Ag A Fim Cotibtioto th HSA, 2009

exb 8.18 139

Distibtio o Cod Woks i HDHP/HRAs d HSA-Qid HDHPs With thFoowig ps o Cost Shig i Additioto th G A Ddctib, 2009

exb 8.19 140

Amog Fims Oig HDHP/SOs,Empo Opiios o Otcoms dRsos o Oig HDHP/SOs, 2009

exb 8.20 141

Amog Fims Not Ct Oig HDHP/HRA o HSA-Qid HDHP,Distibtio o Fims Rpotig th Likihood

o Oig HDHP/HRA o HSA-QidHDHP i th Nxt Y, b Fim Siz, 2009

pres Cri pTi oN D ru g b eNefi Ts

exb 9.1 146

Distibtio o Cod Woks FcigDit Cost-Shig Foms oPsciptio Dg Bts, 20002009

exb 9.2 147

Distibtio o Cod Woks FcigDit Cost-Shig Foms oPsciptio Dg Bts, b P p, 2009

exb 9.3 148Amog Woks with T, Fo, o Mois o Cost Shig, Distibtio o Cod

Woks with th Foowig ps o CostShig o Psciptio Dgs, b Dg dP p, 2009

exb 9.4 149

Amog Cod Woks with T, Fo,o Mo is o Psciptio Cost Shig,

Ag Copmts d AgCoisc, 20002009

exb 9.5 150

Amog Woks with wo is o Cost

Shig o Psciptio Dgs, Distibtioo Cod Woks with th Foowig pso Cost Shig o Psciptio Dgs,b Dg d P p, 2009

exb 9.6 151

Amog Cod Woks with wo is oPsciptio Cost Shig, Ag Copmtsd Ag Coisc, 20002009

exb 9.7 151

Amog Woks with th Sm Cost ShigRgdss o p o Dg, Distibtioo Cod Woks with th Foowig pso Cost Shig o Psciptio Dgs,

b P p, 2009

exb 9.8 152

Amog Cod Woks with th Sm CostShig Rgdss o p o Dg, AgCopmts d Ag Coisc,20002009

exb 9.9 152

Pctg o Cod Woks with DgCog Who Fc Spt DgDdctib, b P p, 20052009


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x


exb 9.10 153

Pctg o Cod Woks with DgCog with Spt A Ot-o-Pockt Limit Tt Appis to Psciptio

Dgs, b P p, 20072009

pl A N fu ND i Ng

exb 10.1 157

Pctg o Cod Woks i Ptio Compt S-Fdd Ps,b Fim Siz, 19992009

exb 10.2 157

Pctg o Cod Woks i Ptio Compt S-Fdd Ps,b P p, 19992009

exb 10.3 158

Pctg o Cod Woks i Ptio Compt S-Fdd Ps, b FimSiz, Rgio, d Idst, 2009

exb 10.4 159

Pctg o Cod Woks i Ptio Compt S-Fdd Ps,b P p d Fim Siz, 2009

exb 10.5 159

Pctg o Cod Woks i Ptio Compt S-Fdd HMO Ps,b Fim Siz, 1999-2009

exb 10.6 160

Pctg o Cod Woks i Ptio Compt S-Fdd PPO Ps,b Fim Siz, 19992009

exb 10.7 160

Pctg o Cod Woks i Ptio Compt S-Fdd POS Ps,b Fim Siz, 19992009

exb 10.8 161

Pctg o Cod Woks i Ptio Compt S-Fdd HDHP/SOs,b Fim Siz, 20062009

reTi ree h eA l Th b eNefi Ts

exb 11.1 165

Amog A Lg Fims (200 o Mo Woks)Oig Hth Bts to Acti Woks,Pctg o Fims Oig Rti HthBts, 1988-2009

exb 11.2 166

Amog Fims Oig Hth Bts toActi Woks, Pctg o Fims OigRti Hth Bts, b Fim Siz, Rgio,d Idst, 2009

exb 11.3 167

Amog A Lg Fims (200 o Mo Woks)Oig Hth Bts to Acti Woks,Pctg o Fims Oig Rti Hth

Bts, b Fim Chctistics, 2009

exb 11.4 167

Amog A Lg Fims (200 o Mo Woks)Oig Hth Bts to Acti Woks dOig Rti Cog, Pctg o FimsOig Hth Bts to E d Mdic-

Ag Rtis, 19992009

exb 11.5 168

Amog A Lg Fims (200 o MoWoks) Oig Hth Bts to ActiWoks d Oig Rti Cog,Pctg o Fims Oig Rti HthBts to E d Mdic-Ag Rtis,

b Fim Siz, Rgio, d Idst, 2009

Wel l Nes s prog rA ms

A ND h eA l Th ri s k A s s es s meNTs

exb 12.1 173

Amog Fims Oig Hth Bts,Pctg Oig Ptic WssPogm to Ti Empos, b Fim Siz,Rgio, d Idst, 2009

exb 12.2 174

Amog Fims Oig Hth Bts,Pctg Oig Ptic WssPogm to Ti Empos, b Fim Siz,

Rgio, d Idst, 2009

exb 12.3 175

Amog Fims Oig Hth Bts, Pctgo Fims With th Foowig Fts o WssBts, b Fim Siz d Rgio, 2009

exb 12.4 176

Amog Fims Oig Hth d WssBts, Pctg o Fims Tt OSpcic Ictis to Empos WhoPticipt i Wss Pogms, b FimSiz d Rgio, 2009

exb 12.5 177

Amog Fims Oig Hth Btsd Wss Pogms, Pctg Tt UsSpcic Mthods to Idti Idiids dEcog Pticiptio i Wss Pogms,b Fim Siz, Rgio, d Idst, 2009

exb 12.6 178

Amog Fims Oig Hth Btsd Wss Pogms, Pctg o FimsRpotig th Foowig s th Fims PimRso o Oig Wss Pogms,b Fim Siz, 2009


14/212

x


exb 12.7 178

Amog Fims Oig Hth Bts dWss Pogms, Pctg o Fims TtTik Oig Wss Pogms is Ecti

t Impoig Hth o Rdcig Costs, 2009

exb 12.8 179

Amog Fims Oig Hth Bts,Pctg o Fims Tt O EmposHth Risk Assssmts, O Ictis toCompt Assssmts, d Us Assssmtsto Ics Wss Pticiptio, b FimSiz d Rgio, 2009

exb 12.9 180

Amog Lg Fims (200 o Mo Woks)Oig Fici Ictis o Hth Risk

Assssmts, Pctg o Fims Tt Oth Foowig Ictis to Compt

Assssmts, b Fim Siz d Rgio, 2009

exb 12.10 180

Amog Fims Oig Hth Btsd Hth Risk Assssmts, Distibtioo Fims Rpotig th Foowig i mso Wh Empos Mst k Hth Risk

Assssmts, b Fim Siz, 2009

empl oy er A ND h eA l Th pl A N

prA CTi Ces , A ND empl oy er opi Ni oNs

exb 13.1 185

Amog Both Fims Oig d NotOig Hth Bts, Distibtio

o Fims Opiios o th Ectisso th Foowig Sttgis to Coti HthIsc Costs, b Fim Siz, 2009

exb 13.2 186

Amog Fims Oig Hth Bts,Distibtio o Fims Rpotig thLikihood o Mkig th Foowig Chgsi th Nxt Y, b Fim Siz, 2009

exb 13.3 187

Amog Fims Oig Hth Bts,Pctg o Fims Tt Rpot T Mdth Foowig Chgs s Rst o thEcoomic Dowt, b Fim Siz d

Rgio, 2009

exb 13.4 188

Pctg o Fims Oig Hth BtsTt Shoppd Fo Nw P o HthIsc Ci i th Pst Y, b FimSiz, 2009

exb 13.5 189

Amog Fims Oig Hth Bts TtShoppd o Nw P o Isc Ci,Pctg Rpotig Tt T Chgd

Isc Ci d/o Hth P p ith Pst Y, b Fim Siz, 2009

exb 13.6 190

Amog Fims Oig Hth Bts,Pctg o Fims Rpotig th Foowigs th Most Impott Fcto i th FimsDcisio to Choos Ptic P, i

Additio to Cost, b Fim Siz, 2009

exb 13.7 191

Amog Fims Oig Hth Bts,Pctg o Fims Rpotig th Uso th Foowig Cotibtio Appochso Hth Bts, 2009

exb 13.8 192

Amog Fims Oig Hth Bts,Distibtio o Fims Rpotig thLikihood o Adoptig th FoowigCotibtio Appochs o Hth Btsi th Nxt wo Ys, 2009

exb 13.9 193

Amog Oig d No-Oig Fims,Pctg With th Foowig O-Sit Hthd St Pogms, b Fim Siz, Rgio,d Idst, 2009

exb 13.10 194

Pctg o Fims with th FoowigUtiiztio Mgmt Poisios i thiLgst Hth P, B Fim Siz, Rgio,d Idst, 2009

exb 13.11 195

Distibtio o Cod Woks bMximm Litim Bt Pb to Empo with Sig Cog, b P p,20042009

exb 13.12 196

Distibtio o Cod Woks bMximm Litim Bt Pb to Empo with Sig Cog, b P pd Fim Siz, 2009


15/212

t h e k a i s e r a m i l y o u n d a t i o n - a n d - h e a l t h r e s e a r C h & e d u C a t i o n a l t r u s t

1

T k dg 2009 uv,

cducd Ju ug M

2009, vd xd, bu v b

cd 2008. I 2009, w

c vg u,

cg cvd wk w

dducb $1,000 g

cvg, c v c, d

cg g g wg. T vg u g

cvg dd gc c,

bkg g-dg d.

T uv w c

d b d v

b d v cc dwu.

T dc g c

g wk b, bu v

c v cbud

u w. O uv

cc

bu d c ub wk w cvg du

c dwzg cg. A

v d dc

bu b dvc

d v u

c wg c

. T v d cg

w uvd k

cg x .

H E A L T H I N S U R A N C E P R E M I U M S

I 2009, vg u u -d uc

$4,824 g cvg d $13,375

cvg. Pu

cvg 5% g

($12,680), bu w c

gc gw g u.

Sc 1999, vg u

cvg v cd 131% (Exb A).

Avg u cvg

w wk (3199

wk) wk g

(200 wk). Avg u

g-dducb w

vg (HDHP/SO) w

v vg b

g d cvg (Exb B).

A u c uc b

dc d ggc c,

gc v ud vg

u u. w c cvd

wk w cvg

w u u

$16,050 (120% vg u);

21% cvd wk w u $10,700

(80% vg u) (Exb C).

O vg, cvd wk cbu

17% u g cvg

d 27% cvg,

v . T u

wk cbu cvg v

cdb. F g cvg, 24%

wk 25%

u w 18% k cbu.

F-v c wk w

cvg 25%

u; 6% k cbu

(Exb D). I d u,

vg u wk cbu

g d cvg $779

d $3,515,2 cv, wc

gc d u

d 2008. F g cvg, wk

(3199 wk) cbu

vg wk g (200

wk) ($625 v. $854), bu cvg, wk cbu

gc wk g

($4,204 v. $3,182).

T j (60%) cvd wk

d d vd gz

(PPO). H c gz

(HMO) cv 20%, wd b --

vc (POS) (10%), HDHP/SO

(8%), d cv (1%).

S u m m a r y o F i n d i n g s

Employer-sponsored insurance is theleadingsourceof healthinsurance , covering about 159 millionnonelderly

people in america.1 to provide current informationaboutthe nature of employer-sponsoredhealth benefits ,

the Kaiser family foundation (Kaiser) and the health research & educational trust (hret) conductan annual

national survey of nonfederal private and public employers withthree or more worKers. thi s is the eleventh

Kaiser/hret surveyand reflectshealthbenefitinformationfor 2009.

Employer Contribution Worker Contribution

20091999

$3,515

$9,860

$13,375

$1,543

$4,247

$5,791

131%

Premium

Increase

128%

Worker

Contribution

Increase

E x h i b i t A

Aa Anna hat inanc p and W Cnttn

a Ca, 19992009

n: t vg w cb vg p cb vg

p g.

sc: k/hret sv epsp h B, 19992009.


16/212

2


E M P L O Y E E C O S T S H A R I N G

M cvd wk c dd c

w u c vc. M

wk PPO (74%) d POS

(62%) v g u dducb

g cvg u b b

vc b b . I

c, 16% wk HMO

v g u dducb. M

wk w dducb v

c g c v

vc.

Ag wk w dducb,

vg g u dducb gcvg $634 wk PPO, $699

wk HMO, $1,061 wk

POS , d $1,838 wk

HDHP/SO (wc b d v g

dducb). Aug 16% wk

HMO v g u dducb,

2008 2009 vg u

dducb wk cd

$503 $699 g cvg d

$1,053 $1,524 cvg.3 A

c , g cvg, wk (3199 wk) v g

dducb wk g

(200 wk) HMO, PPO,

d HDHP/SO. T cg cvd

wk w dducb

$1,000 g cvg gw 18%

22% d, g g ,

cd 9% 13% (Exb E).

W w c cg

wk d HDHP/SO

, cg wk

w dducb $1,000 w d

v vg cd

10% 13%.

M cv c vc b

dducb . F x,

c , PPO, 88% cvd

wk w g u dducb

d v dducb b

vv c cvd. N-

c wk PPO d v

dducb b c

dug cvd.

T j wk v

c c c v.

F x, 77% cvd wk

c ( xd d u)

v, d 14% cuc ( cg

cg). Cvd wk HMO,

PPO, d POS k

c c, w cvd wk

HDHP/SO k v

cuc qu c g

dducb . Cvd

wk w c vg $20 c d $28 c

c -wk c v, b

wc g ($19 d $26).

T cg wk w c

$25 $30 d c

c c v cd 12%

2004 31% 2009. F cvd wk

w cuc, vg cuc

18% c, .

E x h i b i t b

Aa Anna e and W p Cnttn and Tta p Cd W sn

and a Ca, pan T, 2009

$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000

Single

HMO

Family

ALL PLANS

HDHP/SO

Single

Family

PPO

Single

Family

POS

Single

Single

Family

Family

Worker Contribution Employer Contribution

$817 $4,061 $4,878

$3,685 $13,470$9,785

$779 $4,045

$806

$741

$4,146*

$4,093

$8,929*

$4,116

$13,719

$13,075

$11,083*

$13,375

$3,986*

$3,515 $9,860

$3,470

$4,922

$4,835

$10,249*

$540*

$2,672*

$3,446*

$8,411*

$4,824

*e c a P b cvg p (p


17/212


3

E x h i b i t C

Dttn p sn and a Ca rat t t Aa Anna sn a p, 2009

n: t vg p $4,824 g cvg $13,375 cvg. t p b v vg g p.

p, $3,859 80% vg g p, $4,341 90% vg g p, $5,306 110% vg g p, $5,788 120%

vg g p. t b p v vg b cvg.

sc: k/hret sv epsp h B, 2009.

sn Ca a Ca

P rg, d a

Pc Cv

W rg P rg, d a

Pc Cv

W rg

l $3,859 23% l t $10,700 21%

$3,859


18/212

4


M wk c dd c

g d

u ug. F d,

51% cvd wk v cuc,

19% v c, d 8% v

b cuc d c. A

dd 5% v d ( d) d 5% v u

dducb, w 22% cvd

wk v c g

d. F d,

vg cuc 18%, vg

c $234 d,

vg d cg $179, d

vg dducb

$862.4

Aug cvd wk

b c g w ccg

vc,

u c g wk u

c , g d

u--ck xu. Eg-

c cvd wk v u-

-ck xu, bu uc v

cdb. F x, g cvd

wk v u--ck

xu g cvg, 26%

w u u--ck

xu $3,000 , d 24%

w u--ck xu

$1,500. Hwv, dg

cu wd u--ck xu.

F x, g wk PPO w

u--ck xu, 75%

d cu c c

v c, 34% d

cu dg g udducb, d 85% d

cu c dug dg w

dg cd

u--ck . Ev bc

u--ck xu, wk

c d c g. F x,

41% wk HMO w

u--ck xu g cvg,

94% v g u dducb d

1% v cuc

d.

H b u

b , kw

xu. F- c

cvd wk w

xu b b b

, w 16% v xu

bw $1 d $2 , d 43% v

xu $2 .

T cg wk w

xu $2

cd 32% cvd wk

2007, qu w kd.

A V A I L A B I L I T Y O F E M P L O Y E R -

S P O N S O R E D C O V E R A G E

Sx c

b 2009, wc c

d 63% d

(Exb F). L (46%)

w 3 9 wk cvg,cd 72% w 10 24

wk, 87% w 25 49

wk, d v 95% w 50

wk. A w v

, g w

u wk, cd

w u wk (97%

v. 57%). F w w w-wg

wk ( 35% wk

$23,000 u)

k b cd

w w-wg (35% $23,000 u)

(64% v. 39%). T

bu d d ccu

v g u bu du

cc c.

Ev cvg,

wk cvd. S wk

gb u wg

d u wk-u u.

E x h i b i t E

pcnta Cd W end n a pan wt a gna Anna Ddct $1,000 m sn Ca,

b s, 20062009

*e c pv w (p


19/212


5

O c ,

bcu c cvg

b cc cvg ug u.

Ag cvg, vg

79% wk gb

b d b . O

gb, 81% k u cvg, ug 65% wk g

b vg cvg ug

. Ag b d

d b, 59% wk

cvd b d b

.

H I G H - D E D U C T I B L E H E A L T H

P L A N S W I T H S A V I N G S O P T I O N

Hg-dducb w vg

cud (1) w

dducb $1,000 g

cvg d $2,000 cvg

d w H Rbu

Ag (HRA), d

HDHP/HRA, d (2) g-dducb

d g

qu

b d cbu H Svg

Accu (HSA), d HSA-

qud HDHP.

wv c g

b HDHP/SO 2009,

. Aug HDHP/SO

d d g ,

cg w 1,000

wk g HDHP/SO cd

22% 2008 28% 2009. F

w 1,000 wk k

HDHP/SO (28%)

w 3 199 wk (11%) 200 999

E x h i b i t G

pcnta Cd W end n an hDhp/hrA hsAQad hDhp, s, 2009

*e c bw a s a lg w cg (p


20/212

6


wk (18%). Ag g

b, 2% HDHP/HRA d

10% HSA-qud HDHP;

gc dc

cg d 2008.

E cvd wk

HDHP/SO d 2008

(8%). Cvd wk

(3199 wk) k b

d HDHP/SO wk

g (200 wk) (13%

v. 6%). T c cvd wk

d HDHP/HRA d 6%

d HSA-qud HDHP. N

c wk (3199

wk) d HSA-qud

HDHP, cd 4% wk

g (200 wk)

(Exb G).

Au dducb g cvg

HDHP/HRA d HSA-qud HDHP

vg $1,690 d $1,922, cv.

Dducb v cdb wv;

x, 27% wk d

HSA-qud HDHP

g cvg v dducb

bw $1,150 d $1,499, w 10%

v dducb $3,000 .

T vg ggg u dducb cvg HDHP/HRA

$3,422 d $3,734 HSA-qud

HDHP. S ,

HDHP/SO cv vv

vc b dducb : 94%

wk HDHP/HRA d 90%

wk HSA-qud HDHP v

vv c cvd b vg

dducb.

T dgug c g

dducb vg u

vb . Wk d

HDHP/HRA cv vg

u cbu

$1,052 g cvg d $2,073

cvg (Exb H). T vg

u cbu HSA $688

g cvg d $1,126

cvg, d ug

w 2008,

dc c gc.

I

g HSA-qud HDHP cbu HSA bd b wk.

F x, g g

HSA-qud HDHP, 29% d k

cbu HSA g

cvg (cvg 31% wk

). I wk w

cbu HSA xcudd

ccu, vg

HSA cbu $1,000 d $1,640

g d cvg, cv.

Ag wk w

cbu HSA, wk

(3199 wk) vg cv

g cbu wk g

(200 wk) b g

cvg ($1,319 v. $619) d

E x h i b i t h

Aa Anna p and Cnttn t san Accnt Cd W n hDhp/hrA, hsAQad

hDhp, Cad t A NnhDhp/so pan, 2009

*e c a nhdhP/so P (p


21/212


7

cvg ($2,077 v. $1,121), bu

c g dducb.

F b g d cvg,

vg u HSA-qud

HDHP d HDHP/HRA w

vg u wk

HDHP/SO. T vg

wk cbu HSA-qud

HDHP g d u d

HDHP/HRA wk cbu

u w

vg -HDHP/SO . W

cbu HSA

ddd u, vg

c (.., u u

cbu vg )

wk HSA-qud HDHP

w c vg

-HDHP/SO b gd cvg. I c, w

cbu HRA ddd

u HDHP/HRA,

c wk HDHP/HRA w

g cvg c

wk .

R E T I R E E C O V E R A G E

w- c g (200

wk) b

2009, wc c d

2008 31%. Ag

g b,

92% b

d 68% b Mdc-

g , .

W E L L N E S S B E N E F I T S

M (58%) g

b

wg w g: wg

g, g b dcu

- xc c, kg c

g, ccg, c

u vg, Wb-bd

uc vg, w

w. F-v c

(3199 wk) d 93% g

(200 wk) g

b w g, u

88% g 2008. F g cvg d w b

w b (81%)

vdd ug

b dc.

H E A L T H R I S K A S S E S S M E N T S

Sx c g

b gv

cg k

d

k (Exb I).5 Lg (200

wk) k

k

(3199 wk) (55% v. 14%).

Ev c g k

c cv

wk c . Lg

(200 wk) k

(3199 wk) ccv (34% v. 7%). Ag g

g c cv

w c k ,

27% d

u, 7% d

v dducb, d

2% d v w

cuc . Ag g

k , 11% g

cd, v, g cd,

c cg k ;

27% g (200 wk)

cv, cd 8% (3199 wk).

O T H E R T O P I C S

F , uv kd

w 1,000 bu

vb - cc. Ag

, cudg d

cvg, 20% w 1,000

wk d v -

cc

c. O w -

cc, 79% d

E x h i b i t i

An ofn hat bnt, pcnta Tat of hat r Ant and incnt t Ct

Ant, s, 2009

*e c bw a s a lg w cg (p


22/212

8


c cv -wk d

- cc.

W kd w v

ducd b cd c g

du cc dwu. w-

c g b

, ccdwu, ducd c

b cd c g, d 15%

cd

u. M g (200

wk) (3199 wk)

cg u

(22% v. 15%).

O U T L O O K F O R T H E F U T U R E

Ec w k bu

cg k

b x . T , gv x uc bu uu

cc d, k

d dcu kg dc

bu uu c dc. I

g ug,

w v

. Ag b,

g cg

x v w k

c u wk cbu

u (42%), c dducb

u (36%), c c v c

g (39%), c u

v c

dug (37%). Aug

g c u v w v uc,

v w v

k (2%) w k (6%)

d cvg. Fu c

g cvg v

k c gb cvg x

, d dd 5%

w k d . Ag

g b bu g

HSA-qud HDHP, 6%

v k d 16%

w k HSA-qud

HDHP x . A g cu g

HDHP/HRA v

k (5%) w k (15%)

x .

C O N C L U S I O N

I 2009, uv d u

cd d

cvg, w d d c

g u w bk. T

cg wk w dducb

g cvg $1,000 cd,

dd vg c

c c c v. T

cg g ucd cg wk cvd b

uc d

d. T uv w b

d v b d v

cc dwu. A d bv,

dc g c b

g wk b,

bu cud c b

d dc bu

b b c

wg c w u .

Fu, uv cc

bu dd ub wk

w cvg du c

dwzg cg. Gv gg

cc b cg bu, w

b b

d cvg v w

bu. T

w cug

db.

__________________________________________________________________________________________________________________________________________________________

1k , k C mc u, The Uninsured: A Primer, ocb 2008.

2t vg w cb c w w cb.

3d p w w ggg cb w pg b cv p c w cb.

4i 2009, w cg c p p g cg q. s c sc 7 ,

vb www..g/c/7936/.c.

5h g c q c , , .


23/212

60%

$1

3,

37

5

$4

,

82

4

2009

Employer Health Benefits

2 0 0 9 a n n u a l s u r V e y

Suv

Dg

d

Md


24/212

Eple Helth Beeft 2009 Anna s

10


S u r v e y D e S i g n a n D M e t h o D S

the Kaiser family foundation an d the health research & educational trust (Kaiser/hret)

conductthis annualsurvey of employer-sponsoredhealth benefits . hret, a nonprofitresearch

organization, is an affiliateof the american hospital association. the Kaiser family foundation

designs, analyzes, and conductsthissurveyin partnershipwith hret, andalsopaysfor thecostof

thesurvey. hret subcontractswithresearchersat national opinion research center (norc) atthe

universityof chicago, who worKwith foundationand hret researchersin conductingthestudy.

Kaiser/hret retained national research, llc (nr), a washington, d.c.-basedsurveyresearchfirm,

toconducttelephone interviewswithhumanresourceand benefitsmanagers usingthe Kaiser/hret

surveyinstrument. from Januaryto may 2009 nr completedfullinterviewswith 2,054 firms.

s u r v e y T o p i C s

A , K/HRE kd c

cg 400 qu bu

g c gz (HMO),

d vd gz (PPO), --

vc (POS) , d g-dducb

w vg (HDHP/SO).1 I 2006,

K/HRE bg kg

d w xcuv vd

gz (EPO). W EPO d HMO

g d

ud b HMO;

b HMO d EPO, kd bu bu w g .

Nw c 2009 uv cud dd

qu c cv k

, - cc, d

cc dwu. A ,

uv cudd qu c

uc, , cvg, gb,

, u,2 c g,

c dug b, b, d

.

1 hdhP/so c gcb p w h rb ag (hra) h

svg acc (hsa). ag hra c b g w p hdhP, v cc

hra g w hdhP. pcc hdhP, hra, hsa,

c sc 8.

2 hdhP/so p c cb b p h svg acc h

rb ag.

n o t e :

C h A N g e s T o T h e 2 0 0 9 s u r v e y

Ec w x w v uv d

d cg uc k.

Tugu , cg v b d

u uv c cu

k d, uc duc qu

gg . W x qu

kd d c d ud d

w b d ccu cv

bd d. I

2008, w gudc x uv

d d dg NORC, w vwd

d ud uv. A u vw,v dc w d 2009

uv, cudg dg d qu.

F , w dd

qu bd uv bd

U.S. Cu Du d Bd.

P 2009 uv, qu w

bd cu vdd b Suv Sg

Icd (SSI) (wc b d Du

d Bd). Ov , w v ud

Du d Bd quc cu b v

bcu duc g ,


25/212


11


g bu. T ccuc v b

z d du. I 2003, w bg ug

c d ccu cu vdd b Cu

Buu Sc U.S. Bu d Cu

Gv b -c,

ug w dw Du dBd . I d u dd cc

g, w w u Cu d

b . T cg ud

qud z d

du cg.

T , w dd Educ

g cg, ubgu

Svc cg. I , Educ w

d g Svc .

Educ cd dug -c,

d djug g c

Educ w ccu b Educ d Svc du.

I , b v d gv w

d Du d Bd db. F

2009 , Gv w d

-u 2007 Cu Gv. T

cg w d v

gc w qu d Du

d Bd db. Ec uv

vw w d

( R R c bw), d d

gv d cd

uv ( v cd uv kw ), gv

2008 uv w cd Cu

Gv d ub. A

gv w cudd (ug

v). I dd, v

cd d /

c gv, d dd

Cu Gv, cd

gv d v d dw

c cd . T cg

ud xcd g duc

v , c w

ub dd b z d du.

T, d ud d 2009

E H B cud

U.S. Cu 2005 Sc U.S. Bu

d 2007 Cu Gv. A

dg (Dcb 2008), d

d cu

ub ubc d v wd w

wk. A , -

c bd u--d Cu

d vb ( 2006 ud Cu U.S.

Bu w ucd dug uv d

d) d 2007 Cu Gv. T

Cu Gv cducd v v ,d d 2007 Cu

Gv v b vb u.

Ec , uv k cg

cd u.

T , c d cd $22,000

$23,000 . T d bd

25 c wk g d b

Buu Lb Sc ug d N

C Suv (2007), cu d

vb uv dg. T d

w djud ccu cg wk

g 2007 2008, ug Buu LbSc E C Idx.

Bd cd cgv c

NORC d uv u,

ub qu w vd v

c d w uv d z

uv bud. F x, d b cu

vc cb d

u ug c g, uv w cgd

k qu. Pvu,

qu kd d c

c g, uc dducb,

c, cuc, d d ( z ). W v xdd

ub qu wc d c vd

ub wk cg

wk. Pvu, bg ub

, j qu kd bu

cg wk w c ccc. Nw,

qu uc cg wk kg

$23,000 wk

c , d b d w

ub cg wk. Fw

cg v d cb c

.

M wgg dju w d d

dcud c.

r e s p o N s e r A T e

A dg qud U.S.

Cu Buu d, K/HRE dw

Suv Sg Icd (bd

g Du d Bd ) v


26/212


12


, d , Cu Buu

Cu Gv ubc

w wk. c c,

K/HRE d b du d

ub wk . K/HRE

d vw w uvd (w ) w

cd 2007 2008 uv,

b. A u, 1,491

2,054 cd 2007, 2008,

b uv.3 T v 47%.

T v j qu kd

b. A 1,874 dg

dcd d b. T

v b

48%.

F vu xc, w v d

dc c ud

k b. T, w kd

qu ud w wc w d

cc w dcd c.

T qu w, D u c

uc g b u

? A 3,188 dd

qu (cudg 2,054 w dd u

uv d 1,134 w dd qu).

T cudd u

cg g b.4 T

qu 73%.

i r m s i z e C A T e g o r i e s A N D k e y D e i N i T i o N s

Tugu , xb cgz d b z

, g, d du. F z d

w: A S, 3 199 wk; d A Lg,

200 wk. Occ, z cg

w b bk gu. T A S

gu b cgzd b: 3 24 wk, d 25

199 wk; 3 9 wk, 10 24 wk, 25

49 wk, d 50 199 wk. T A Lg

gu b cgzd b: 200 999 wk,

1,000 4,999 wk, d 5,000 wk.

Exb M.1 w cd ccc uv

. Exb M.3 d wc cg.

Exb M.2 d dbu

, wk, d cvd wk (

cvg cvg ). Ag

v , x

59.5% g 3 9 wk; uc

8.3% wk d 4.8% wk cvdb uc. I c, c

g 1,000 wk;

46.8% wk d 52.1%

cvd wk. T,

d c bu w

g dg. I c, w 1,000

wk gu

ccug c gdg cvd wk,

c g cg

wkc.

Tugu , w u -wk

vc cvd d vd.F cvg dd cvg

u.

r o u N D i N g A N D i m p u T A T i o N

S xb d u

du udg c. I w c, ub

dbu xb dd qu

ub cd x du udg

c. Aug v d z d

du c vd, bkdw

b vb du d z. W

uwgd z w 30, xb

cud NSD (N Suc D).

c b, K/HRE

u vu g vb

uv. I g, 5% bv

ud gv vb. A vb

ud wg dck c. T

u d d

dbu u d c g vu w

bvd vu w ccc,

c, z d du. I 2009, w

vb w u xcdd 20% bu

w 30%. F c, uud

vb w cd w ud vb d c gc dc. T

3 i , 185 pcp 2007 2009, 367 pcp 2008 2009, 939 pcp 2007,

2008, 2009.

4 e p eb 2.1, 2.2 2.3 b p b cp v

w j q b w b.

n o t e :


27/212


13


w vb K/HRE dcdd ud

b ud; c vb w

d kw cdd vd (

x, bu cv vu

g c uc c).

W e i g h T i N g A N D s T A T i s T i C A l s i g N i i C A N C e

Bcu K/HRE c d,

b ug u c wg

x u ( w z,

g, d du) vg. T wg w

K/HRE dg bd ub

wk cvd b , ub

wk, d ub . I g,

dg d u (uc u, wk

cbu, d c g) wgd b

cvd wk. O , uc

, wgd b . Scc wg w

cd z HDHP/SO d

w HRA HSA-qud. T wg

d c

g.

Ccu wg w c

c. F, bc wg dd,

wd b dju. A

dju, K/HRE cducd

w-u uv w 3 49

wk ud c u uv.

W d dd dju

wg c dg uv.

Nx, w d wg d duc

uc wg u. F, w dd

c gu bv. W c gu,

w dd d d qu g

wg d ccud g cu

d u x qu g

(M + [6 * IQR]). Wg vu g cu

d cu . I c,

c wg vu w d.

F, w d -c dju.

W ud U.S. Cu Buu 2006 Sc

U.S. Bu b c

d -c dju

v c, d w ud 2007 Cu

Gv b -c

ubc c .

T w cd w wg cc v

g b u k u . T

w wg c wk w

gb b. I , u

w uc wk , w

w gb b (d cud u k

u) . Hc k-u v kw

b udd c wk gb

b.

W cu k w

cv d, , w

cvd wk d

d w -udd udw b

u. Hwv, du dcg k

cv , 2006, w d

kg d dd qu bu

bu cv . A

2009 u cvd wk wg g

cud wk w cv cvg.5

T, u d c-g v

d g wk cvd b HMO, PPO,

POS , HDHP/SO. Rvg wk cvd

b cv uc cvd

wk wg c

d A P, uc vg g

u. I c w

cv ,

d cudd A P vg. T

xc w -udd,

wc w v . F

c, w wg c b cvd

wk, cudg cv uc.

T uv c w qu c

g kd dc

vu qu v c c-g

v. F x, c u

c dug kd

v c c dug. Bcu

c vb (ug d c

) cv w

v, wg v vb

w cd d ccu c

cvd wk v uc v.

5 i 2009, 1% cv w cv p.

n o t e :


28/212


14


T d zd w SUDAAN,6 wc

cu dd b

cg cx dg uv.7 A

c d .05 v, u

w d. F gu w u ,

c cducd c g vu w, u w d. N

c cducd 1999.

Sc gv ubgu ( w 2549

wk, c) d g

z cudd ubgu ( z NO

cudg w 2549 wk, x).

d g d du;

x, N cd NO

N ( ggg Mdw,

Su, d W). Hwv, c

cd c ( x, vg

u PPO) d g A P. I c, w -cc

g

( x, g d u HDHP/

SO g g d u HMO,

PPO, d POS ); d cc

x. T w c d

- d P C-qu .

T ub bv vb,

cu vb cc w H

Svg Accu H Rbu

Ag, ud g vb ud

. T bv cg wg, . T d

ud b cud u wg

u g v

; wv, v

c gc.

h i s T o r i C A l D A T A

D cu dg

uv j ud b K F

Fud d H Rc & Educ

u, wc v b cducd c 1999.

P 1999, uv w cducd b

H Iuc Ac Ac (HIAA)

d KPMG ug uv u, bu

d vb vg .

Fwg uv duc 1987,

HIAA cducd uv ug 1990, bu

d vb . KPMG

cducd uv 19911998. Hwv,

1991, 1992, 1994, d 1997, g

w d. I 1993, 1995, 1996, d 1998,

KPMG vwd b g d . I

1998, KPMG dvd C d

B Pcc, d dvu cudddg u uv b

HRE.

T u c d 1993, 1996,

d 1998 KPMG Suv E-Sd

H B d 19992008 K/HRE

Suv E-Sd H B.

F g- cv, w u 1988

uv cducd b

HIAA, wc KPMG d K/HRE

uv bd. T uv dg

uv .

6 rc tg i (2008). sudaan sw sc a C d, r 10.0, rc

tg P, nC: rc tg i.

7 a pp w c c b www..g/c/7936/.c.

n o t e :


29/212


15


k/hret sv epsp h B, 2009.

s o u r c e :

e x h i B i t m . 1

sc Cc c sv sp, 2009

sp szsp db

a Wgg

Pcg t

Wg sp

irm size

39 W 117 2,028,692 59.5%

1024 W 220 797,632 23.4

2549 W 182 283,338 8.3

50199 W 287 213,310 6.3

200999 W 467 60,973 1.8

1,0004,999 W 481 17,125 0.5

5,000 m W 300 8,175 0.2

All irm sizes 2,054 3,409,245 100%

regioNn 410 667,059 19.6%

mw 607 787,094 23.1

s 688 1,162,742 34.1

W 349 792,350 23.2

All regioNs 2,054 3,409,245 100%

iNDusTry

agc/mg/Cc 118 424,586 12.5%

mcg 230 210,368 6.2

tp/Cc/u 114 128,897 3.8

W 99 195,346 5.7

r 157 432,820 12.7

c 136 238,426 7.0

svc 842 1,453,808 42.6

s/lc Gv 151 50,587 1.5

h C 207 274,408 8.0

All iNDusTries 2,054 3,409,245 100%


30/212


16


e x h i B i t m . 2

d b ep , W , W Cv b h B , b sz, 2009

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

EMPLOYERS WORKERS COVERED WORKERS

5,000 OR MORE WORKERS

1,0004,999 WORKERS

200999 WORKERS

50199 WORKERS

2549 WORKERS

1024 WORKERS

39 WORKERS

59.5%

8.3%4.8%

8.3%

23.4%

7.6%

9.5%

7.1%

7.1%

0.2% 0.5%

6.3%1.8%

34.2%

12.6%

13.5%

14.2%

37.7%

14.4%

14.5%

14.4%

n: d b pc q u.s. C B c

(2006) sc u.s. B pv c . s c gv C B 2007 C Gv.

k/hret sv epsp h B, 2009.

s o u r c e :


31/212


17


e x h i B i t m . 3

s b rg, 2009

u.s. dp Cc, ecc sc a, u.s. C B,

vb p://www.c.gv/g/www/_gv.p.

s o u r c e :

Ntat mdwt st Wt

Ccc i ab a

m i a az

mc iw dw C

nw hp k dc Cb C

nw J mcg hw

nw y m Gg i

Pv m kc m

r i nb l nv

V n d m nw mc

o mpp og

s d n C u

Wc o Wgs C Wg

t

t

Vg

W Vg


32/212


33/212

60%

$1

3,

37

5

$4

,

82

4

2009


2 0 0 9 a n n u a l s u r V e y

sect ion

C H

Iuc

1


34/212

1


20


C o S t o f h e a l t h i n S u r a n C e

The averageannualpremiumfor singlecoverage in 2009 is $4,824 and Theaverageannualpremiumfor

familycoverage is $13,375. The average familypremium in 2009 is abouT 5% higherThan in 2008. The

averagepremiumfor singlecoverage is noT significanTlydifferenTfromlasTyear ($4,704).

smallerfirms (3199 workers) havealoweraveragefamilypremium ($12,696) Thanlargerfirms (200

or moreworkers) ($13,704).

p r e m i u m C o s T s o r s i N g l e

A N D A m i l y C o v e r A g e

T vg c u g cvg

2009 $402 $4,824 (Exb

1.1). T vg c u cvg $1,115 $13,375

(Exb 1.1).

T vg u cvd wk

HDHP/SO w g d

cvg v vg u

cvd wk (Exb 1.1).

T vg u cvg

cvd wk (3199 wk)

w vg u wk g

(200 wk) (Exb 1.2). T

vg g u cvd

wk d g .

Avg g d u cvd

wk N g vg

u cvd wk g

(Exb 1.3).

Pu v b udg d wkc

bu.

Cvd wk w 35%

wk $23,000 u v g

vg g u cvd wk

w g cg wk g

$23,000 u (Exb 1.5).

Avg g d u g

cvd wk w

u wk cvd wk

w u (Exb 1.5 d 1.6).

Hwv, w bk u b z,

g gc dc u

wk w u cd

wu u .

Cvd wk w 35%

wk g 26 ug v w

vg g d u cvd

wk w w cg

wk g 26 ug (Exb 1.5 d 1.6).

Avg u g cvd

wk u -udd

u ud ($13,588 v. $13,092).

T dc, wv, g c u

dc bw g d

g. Ag g (200

wk), w -ud

b, gc dc

u wk

-udd d wk vud b (Exb 1.6).

T g d v bv d bw

vg u b g d

cvg.

Eg c cvd wk

d b v g u

20% g vg

g u $4,824, w 23% cvd

wk v g u

80% vg g

u (Exb 1.7 d 1.8).

F cvg, 20% cvd wk

d u

20% g vg

u $13,375, w 21%

cvd wk v

u 80% vg

u (Exb 1.7 d 1.8).


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21


1 t c bw 2008 2009 p v cvg c gc (p


36/212

1


22


exhiBit 1 .1

avg m a P Cv W , sg Cvg, b P

tp, 2009

m a

hmo

sg Cvg $406 $4,878

Cvg $1,123 $13,470

ppo

sg Cvg $410 $4,922

Cvg $1,143 $13,719

pos

sg Cvg $403 $4,835

Cvg $1,090 $13,075

hDhp/so

sg Cvg $332* $3,986*

Cvg $924* $11,083*

All plANs

sg Cvg $402 $4,824

Cvg $1,115 $13,375

* e c a P (p


37/212


23


exhiBit 1 .2

avg m a P Cv W , b P tp sz, 200 9

m a

sg Cvg Cvg sg Cvg Cvg

hmo

a s (3199 W) $378 $1,021* $4,542 $12,256*

a lg (200 m W) 417 1,158* 5,003 13,893*

All irm sizes $406 $1,123 $4,878 $13,470

ppo

a s (3199 W) $412 $1,116 $4,948 $13,392

a lg (200 m W) 409 1,154 4,913 13,844

All irm sizes $410 $1,143 $4,922 $13,719

pos

a s (3199 W) $402 $1,071 $4,824 $12,847

a lg (200 m W) 404 1,120 4,853 13,439

All irm sizes $403 $1,090 $4,835 $13,075

hDhp/so

a s (3199 W) $323 $855* $3,877 $10,259*

a lg (200 m W) 341 990* 4,094 11,885*

All irm sizes $332 $924 $3,986 $11,083

All plANs

a s (3199 W) $393 $1,058* $4,717 $12,696*

a lg (200 m W) 406 1,142* 4,876 13,704*

All irm sizes $402 $1,115 $4,824 $13,375

* e c w p p bw a s a lg (p


38/212

1


24


exhiBit 1 .3

avg m a P Cv W , b P tp rg, 200 9

m a


hmo

n $422 $1,166 $5,070 $13,987

mw 417 1,174 5,008 14,086

s 401 1,125 4,816 13,502

W 396 1,070 4,758 12,843

All regioNs $406 $1,123 $4,878 $13,470

ppo

n $421 $1,202* $5,057 $14,420*

mw 420 1,172 5,039 14,062

s 395* 1,109* 4,738* 13,311*

W 419 1,116 5,028 13,392

All regioNs $410 $1,143 $4,922 $13,719

pos

n $414 $1,173 $4,963 $14,075

mw 385 1,040 4,625 12,480

s 417 1,077 5,009 12,927

W 384 1,077 4,614 12,925

All regioNs $403 $1,090 $4,835 $13,075

hDhp/so

n $328 $909 $3,941 $10,905

mw 321 915 3,851 10,980s 347 976 4,161 11,718

W 333 872 3,996 10,467

All regioNs $332 $924 $3,986 $11,083

All plANs

n $416* $1,174* $4,989* $14,084*

mw 403 1,125 4,834 13,498

s 395 1,099 4,740 13,193

W 401 1,076 4,808 12,915

All regioNs $402 $1,115 $4,824 $13,375

* e c w p p c g (p


39/212


25


exhiBit 1 .4

avg m a P Cv W , b P tp i , 2009

m a


hmo

agc/mg/Cc nsd nsd nsd nsd

mcg $359* $1,026* $4,311* $12,310*

tp/Cc/

u427 1,132 5,129 13,582

W nsd nsd nsd nsd

r 359* 1,025 4,310* 12,302

c 373* 1,103 4,472* 13,242

svc 425 1,156 5,105 13,873

s/lc Gv 447* 1,157 5,365* 13,880

h C 440* 1,219 5,275* 14,623

All iNDusTries $406 $1,123 $4,878 $13,470

ppo

agc/mg/Cc $376 $1,059* $4,510 $12,706*

mcg 367* 1,066* 4,406* 12,792*

tp/Cc/

u385 1,091 4,617 13,096

W 391 1,127 4,687 13,521

r 380* 1,069* 4,557* 12,825*

c 422 1,181 5,064 14,166

svc 422 1,173 5,064 14,070

s/lc Gv 456* 1,158 5,469* 13,891

h C 477* 1,297* 5,720* 15,563*All iNDusTries $410 $1,143 $4,922 $13,719

pos


mcg $404 $1,062 $4,853 $12,740

tp/Cc/

unsd nsd nsd nsd

W nsd nsd nsd nsd

r nsd nsd nsd nsd

c nsd nsd nsd nsd

svc 427 1,098 5,120 13,179

s/lc Gv nsd nsd nsd nsdh C 423 1,127 5,081 13,523

All iNDusTries $403 $1,090 $4,835 $13,075

Continued on next page


40/212

1


26


e x h i B i t 1 . 4

avg m a P Cv W , b P tp i , 2009

m a


hDhp/so


mcg $292* $836* $3,505* $10,037*

tp/Cc/

unsd nsd nsd nsd

W nsd nsd nsd nsd

r nsd nsd nsd nsd

c 321 921 3,851 11,051

svc 351* 1,005* 4,213* 12,060*

s/lc Gv nsd nsd nsd nsd

h C 374* 990 4,484* 11,880

All iNDusTries $332 $924 $3,986 $11,083

All plANs

agc/mg/Cc $356* $1,035* $4,266* $12,417*

mcg 361* 1,037* 4,336* 12,441*

tp/Cc/

u395 1,102 4,740 13,228

W 375* 1,080 4,505* 12,956

r 366* 1,020* 4,393* 12,238*

c 401 1,134 4,811 13,605

svc 417* 1,146* 5,005* 13,753*

s/lc Gv 448* 1,144 5,378* 13,732

h C 455* 1,240* 5,464* 14,880*All iNDusTries $402 $1,115 $4,824 $13,375

* e c w p p c (p


41/212


27


exhiBit 1 .5

avg a P Cv W w sg Cvg, b Cc c , 2009

a s

(3199 W)

a lg

(200 m

W)

a

Wa l

w W a lwWg (l t 35% e

$23,000 y l)

$4,799* $4,880 $4,853*

m W lwWg (35% m e

$23,000 y l)

$4,264* $4,851 $4,639*

unn

h a l s u W $5,076 $4,959 $4,969*

d n hv a u W $4,685 $4,802 $4,748*

A

l t 35% W a 26 y o l $4,776* $4,907* $4,864*35% m W a 26 y o l $4,034* $4,500* $4,342*

ndn Aannt

i $4,690 $4,992 $4,796

s $4,869 $4,842 $4,845

* e c c w z cg (p


42/212


43/212


29


e x h i B i t 1 . 7

d b a P sg Cvg rv avg a

sg P, 2009

Family Coverage

Single Coverage 23% 15% 19% 13% 13% 18%

21% 16% 14% 17% 12% 20%

$4,824

$13,375

LESS THAN 80% OF AVERAGE

80% TO LESS THAN 90% OF AVERAGE

90% TO LESS THAN AVERAGE

AVERAGE TO 110% OF AVERAGE

GREATER THAN 110% OF AVERAGE TO 120% OF AVERAGE

GREATER THAN 120% OF AVERAGE

>=$5,788=$16,050


44/212

1


30


e x h i B i t 1 . 9

d b a P Cv W w sg Cvg, 2009

e x h i B i t 1 . 1 0

d b a P Cv W w Cvg, 2009

0%

10%

20%

30%

40%

50%

Average: $4,824


45/212


31


e x h i B i t 1 . 1 1

avg a P sg Cvg, b W n o

s P l y b sz, 2009

* e c bw p p

w c z cg (p


46/212

1


32


SINGLE COVERAGE

FAMILY COVERAGE

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000

$2,196

$5,791

$2,471*

$6,438*

$2,689*

$7,061*

$3,083*

$8,003*

$3,383*

$9,068*

$3,695*

$9,950*

$4,024*

$10,880*

$4,242*

$11,480*

$4,479*

$12,106*

$4,704*

$12,680*

$4,824

$13,375*

e x h i B i t 1 . 1 2

avg a P sg Cvg, 19992009

* e c pv w (p


47/212


48/212

1


34


e x h i B i t 1 . 1 5

ag W lg (200 m W) , avg h ic P

Cvg, b g ag, 19992009

* e c pv w (p


49/212

60%

$1

3,

37

5

$4

,

82

4

2009


2 0 0 9 a n n u a l s u r V e y

sect ion

HB

O R

22

HB

O R


50/212

2


36


h e a l t h B e n e f i t S o f f e r r a t e S

The percenTage of firms offering healTh benefiTs in 2009 is no T significanTly differenT fromThe

percenTage in 2008. nearlyal llargefirms (200 or moreworkers) offerhealThbenefiTs ; smallfirms

(3199 workers) are significanTlyless likelyTo do so.

The offerraTe represenTsinformaTionon firmsThaTare sTillin businessand doesnoT accounTfor firms

ThaThavegoneou Tof businessdu eTo Theeconomicrecession.

I 2009, x c b,

wc c d 63%

d 2008 (Exb 2.1).

N-g c g (200

wk) b 2009,

c d 2008 (Exb 2.2).

I c, 59% (3199

wk) b 2009,

c d 62% d

2008.

Bw 1999 d 2009, g

(200 wk) dd

bw 98%. Ag (3199

wk), vd g

68% 2000 59% 2005, 2007 d 2009.

T v dv b cg

cg (39wk) g b.

O v c d .

T k

uc. O 46% w 3 9

wk cvg, cd 72%

w 10 24 wk, 87% w

25 49 wk (Exb 2.3), d v 95%

w 50 .

F w w w-wg wk (

35% wk $23,000 u)

gc k uc w w-wg

wk (35% wk $23,000

u). Sx-u c w

w w-wg wk b,

cd w 39% w

w-wg wk (Exb 2.4).

F w w - wk (

35% wk -)

gc k cvg

wk w - wk.

Ag w w - wk, 67% uc, cd 32%

w g cg - wk

(Exb 2.4).

F u wk

uc k wu

u wk b

. N-v c

w u wk b,

cd 57% d v

u (Exb 2.4).

Ag g b, v

w b - d wk.

I 2009, 31%

b - wk (Exb

2.5). F w 200 wk

k b -

w 3 199 wk

(48% v. 30%).

A v cg (3%) g

b wk

(Exb 2.6).

D o m e s T i C p A r T N e r b e N e i T s

A , w kd

b -x -x dc

. Hwv, 2008 d 2009 uv,

w cgd bcu dug

2008 uv, v d

d cud u, dcg


51/212


37


, , d d kw

w uc. T, w ddd cb/ cud

b cu ub

vg c u.

I qu kg

b ud -x

, 31% g

b ud -x dc

. A dd 36%

v cud u

qu w cb, w 37%

(3199 wk) k

cd 6% g (200 wk) (Exb 2.7).

I qu kg

b ud -x

dc , 21%

b ud -x dc .

A dd 44% v

cud u qu

w cb, w 46%

(3199 wk) d 6% g (200

wk) g v

cud u qu w

cb (Exb 2.8).

F W k (41%) d

Su k (6%)

b ud -x dc

g.

i r m s N o T o e r i N g h e A l T h b e N e i T s

T uv k d

b v d uc d

uc c , bu

g, d k

wud dd $2 u

wg uc. Bcu uc

cg g (200 wk)

g b, w

w 3 199 wk,

41% wc d b.

D wg uc c gw

c , c uc cd b g

b.1

Ag (3199 wk) g

b, 62% c g c

dg . O c

qu cd b

g cvg cud:

(9%) d cvd

w (11%) (Exb 2.9).

M -g v d

b v , d

cvg c.

Eg c -g

(3199 wk) v d b

v , w 33% v d

cvg 12 (Exb 2.10).

Fu- (3199 wk)

g b bv wud

cv dd $2 u

g wg (x c

uc g cvg) uc

(Exb 2.11).

S (3199 wk) g

uc gv v gdg

u bv cud d

uc cvg w

g cvg. T c d

cud $100 ; 11% d

cud $300

(Exb 2.12).

F c (3199 wk) -g

bv c uc

wud c $400 .

T vg c g cvg 2009

$402, w wd v ud vg(Exb 2.13).

1 i 2009, q g g p g b w cg

q w p p cg p q.

n o T e :


52/212

2


38


e x h i B i t 2 . 1

Pcg o g h B , 19992009*

* t c c pv w (p


53/212


39


exhiBit 2 .3

Pcg o g h B , b sz, rg, i , 2009

Pcg og

h B

irm size

39 W 46%*

1024 W 72*

2549 W 87*

50199 W 95*

200999 W 98*

1,0004,999 W 99*

5,000 m W 100*

A sa (3199 W) 59%*

A la (200 m W) 98%*

regioN

n 68%

mw 63

s 53*

W 61

iNDusTry

agc/mg/Cc 66%

mcg 80*

tp/Cc/u 74

W 74

r 53

c 56

svc 56s/lc Gv 63

h C 53

All irms 60%

* e c c z, g, cg (p


54/212

2


40


e x h i B i t 2 . 4

Pcg o g h B , b Cc c , 20 09

* e c c w cg (p


55/212


41


* t c c pv w (p


56/212

2


42


e x h i B i t 2 . 7

ag o g h B , d b W ep o h B

u opps dc P , b sz, rg, i , 2009

* e c c z, g, cg (p


57/212


58/212


59/212


45


e x h i B i t 2 . 1 1

ag s (3199 W) n o g h B , ep B ab

ep Pc hg Wg h ic B , 20032009

e x h i B i t 2 . 1 2

ag s (3199 W) n o g B , d b b a

t B v t C a P m h ic Cvg ep

w sg Cvg, b sz, 2009*

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

2007

2009

2008*

2005

2003

EMPLOYEES WOULD PREFER

HIGHER WAGES

EMPLOYEES WOULD PREFER

HEALTH INSURANCE

DONT KNOW

26%71%

72% 19%

71% 23%

4%

9%

6%

84% 12% 4%

80% 13% 7%

324 WORKERS

25199 WORKERS

ALL SMALL FIRMS

3199 WORKERS

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

30% 17% 11% 7% 4% 31%

33% 33% 6% 6% 22%

30% 18% 11% 7% 4% 31%

LESS THAN $100 PER MONTH

$100$199 PER MONTH

$200$299 PER MONTH

$300$399 PER MONTH

$400 OR MORE PER MONTH

DONT KNOW

* db c b pv w (p


60/212

2


46


exhiBit 2 .1 3

ag s (3199 W) n o g h B , d b b

a t B v t m C h ic o ep w sg

Cvg W b t o B , b sz, 2009*

324 WORKERS

25199 WORKERS

ALL SMALL FIRMS

3199 WORKERS

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

2%

3% 15% 12% 40% 28%

1%

15% 14% 18% 30% 21%

2%

3% 15% 12% 40% 28%

LESS THAN $100 PER MONTH

$100$199 PER MONTH

$200$299 PER MONTH

$300$399 PER MONTH

$400 OR MORE PER MONTH

DONT KNOW

* t c c bw b w 324 W

25199 W (p


61/212

60%

$1

3,

37

5

$4

,

82

4

2009


2 0 0 9 a n n u a l s u r V e y

sect ion

E

Cvg,

Egb, d

Pc

3


62/212


h

3

48


e M p l o y e e C o v e r a g e , e l i g i B i l i t y , a n D p a r t i C i p a t i o n

employersar eTheprincipalsourceof healTh insurance in The uniTed sTaTes, providinghealThbenefiTs

fo r abouT 15 9 million nonelderly people in america .1 mos T workers are offered healTh coverage aT

work, and ThevasTmajoriTyof workerswh oare offeredcoverage Take iT . workersmay no Tbe covered

by Theirown employer for severalreasons: Theiremployer may noT offercoverage , Theymay be ineligible

for benefiTsofferedby Theirfirm, Theymay chooseTo elecTcoverage Through Theirspousesemployer, or

Theymay refusean offerof coverage fromTheirfirm.

Ag g b, 65% c

wk cvd b b ug

w (Exb 3.2). T cg

ducd 59% w cdg wk,gd w g

b (Exb 3.1).

T cvg v b c

ccc.

T gc v cvg

b du g wk g

b. F x, - c

wk cvd b

b d b , cd 78%

wk d c gv, 78%

wk /cuc/

u du cg, d 79% wk ucug du (Exb 3.2).

Ag wk g b,

w v w -

wk (w 35% wk -

) uc k b cvd b

w wk w g

cg - wk. Sv-

c wk w v w

- wk cvd b w

, cd 33% w g

cg - wk (Exb 3.5).

Ag wk g b,

w w w-wg wk

(w 35% wk $23,000

u) k b cvd b w wk w

w-wg wk (35% wk

$23,000 u). Sx- c

wk w w w-wg wk

cvd b w , cd

46% wk w-wg (Exb 3.5).

N gb b

d b , d gb

w d cvg k u

cvg. T wk cvd

duc b cg wk w

gb uc d

cg w c k u (.., c

c ) b.

Sv- c wk g

b gb cvg

d b 2009,

cg (80%) d (Exb 3.6).

Egb v cdb b wg v.

E w w

w-wg wk (w 35% wk

$23,000 u) k

b gb b

w g w-wg wk (w 35% wk

$23,000 u) (83% v. 65%)

(Exb 3.3).

1 k , k C mc u, t u: a P, ocb 2008.

n o T e :


63/212


49


E w d cvg ug

g c k u cvg.Eg- c gb wk k u

cvg w d ,

82% d (Exb 3.6).2

T kd wk ccg

cvg v b wg v. Egb

w w

w-wg wk k k u

cvg (83%) gb

w g w-wg wk

(35% wk $23,000

u) (70%) (Exb 3.4).

Sv-u c cvd wk c

wg d b cvg vb. Cvdwk (3199 wk)

k c wg d wk g

(200 wk) (80% v. 70%). I

dd, cvd wk N

k (64%) d cvd wk W

k (81%) wk g

c wg d. Cvd wk

(93%), w (88%), d c (87%)

uc k wk

du c wg d (Exb 3.7).

T vg wg d g cvd

wk w c wg d 2.2 (Exb 3.7). w- c cvd

wk c wg d 3

(Exb 3.8).

2 i 2009, k/hret bg wgg pcg w p cvg b b w gb

cvg. t c p v b p. s sv dg m sc

.

n o T e :


64/212


50


h

3

* t c c pv w (p


65/212


51


e x h i B i t 3 . 2

e gb , tup r, Cvg o g h B , b sz, rg,

i , 2009

* e gb, p , cvg c c z,g, cg (p


66/212


52


h

3

e x h i B i t 3 . 3

ag W o g h B , Pcg W e gb h

B o b t , b Cc c , 2009

e x h i B i t 3 . 4

ag W o g h B , Pcg e gb W W t up

h B o b t , b Cc c , 2009

* e c c w cg (p


67/212


53


e x h i B i t 3 . 5

ag W o g h B , Pcg W Cv b h

B o b t , b Cc c , 2009

* e c c w cg (p


68/212


54


h

3

e x h i B i t 3 . 7

Pcg Cv W w Wg P Cvg avg Wg

P m, b sz, rg, i , 2009

* e c c z, g, cg (p


69/212

60%

$1

3,

37

5

$4

,

82

4

2009


2 0 0 9 a n n u a l s u r V e y

sect ion

P

Od

4


70/212


f

4

56


t y p e S o f p l a n S o f f e r e D

mosT firmsThaTofferhealThbenefiTsofferonlyone Typeof healThplan (86%) (see Tex T box). larger

firmsare morelikelyTo offermoreThanon eTypeof healThplan. employersar emosTlikelyTo offer

Theirworkersa ppo or pos planand are leasTlikelyTo offeraconvenTional plan.

Eg-x c g b

. Lg (200

wk) k

(3199 wk):

45% g d , cd 13%

(Exb 4.1).

Ju v (53%) cvd wk

d . Sx-g c cvd wk

g (200 wk) d

b ;

cb cg cvd wk

d (3199 wk) 23%

(Exb 4.2).

Abu u v (80%) cvd wk

g b wk

PPO, 44% wk

HMO, 28% wk

HDHP/SO, 19% wk

POS , d 5% wk

cv (Exb 4.4).

T uv k w c gv

. Hwv, w d kw c

d cvd wk

. F x, wk g b d

c, w wk

c d d .


71/212


57


e x h i B i t 4 . 1

ag o g h B , Pcg t o o, tw, t m P

tp, b sz, 2009

200999

WORKERS*

ALL SMALL FIRMS

3199 WORKERS*

1,0004,999

WORKERS*

5,000 OR MORE

WORKERS*

ALL LARGE FIRMS

200 OR MORE WORKERS*

ALL FIRMS

THREE OR MORE PLAN TYPES

TWO PLAN TYPES

ONE PLAN TYPE

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%1%

5%

14%

29%

9%

1%

12%

34%

39%

43%

36%

13%

87%

61%

47%

28%

55%

86%

* db c b c z

cg (p


72/212


58


f

4

e x h i B i t 4 . 2

ag o g h B , Pcg Cv W o g o, tw,

t m P tp, b sz, 2009

200999

WORKERS*

ALL SMALL FIRMS

3199 WORKERS*

1,0004,999

WORKERS

5,000 OR MORE

WORKERS*

ALL LARGE FIRMS

200 OR MORE WORKERS*

ALL FIRMS

THREE OR MORE PLAN TYPES

TWO PLAN TYPES

ONE PLAN TYPE

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%2%

7%

16%

40%

28%

19%20%

37%

41%

41%

40%

33%

77%

56%

43%

20%

32%

47%

* db c b c z

cg (p


73/212


59


e x h i B i t 4 . 3

ag o g h B , Pcg t o wg P tp, b

sz, 2009

e x h i B i t 4 . 4

ag o g h B , Pcg Cv W t o

wg P tp, b sz, 2009

* e c w p p c z cg (p


74/212


75/212

60%

$1

3,

37

5

$4

,

82

4

2009


2 0 0 9 a n n u a l s u r V e y

sect ion

MkS

H P

5


76/212


f

5

62


M a r k e t S h a r e S o f h e a l t h p l a n S

enrollmenTremainshighesTin ppos, wiTh 3 in 5 covered workersenrolledin ThisplanType, followed by

hmos, pos plans, hdhp/sos, and convenTional plans.

Sx c cvd wk d

PPO, wd b HMO (20%), POS

(10%), HDHP/SO (8%), d cv

(1%). T dbu

2009 dd cg (Exb 5.1).

P d c g.

Cd g, HMO

cu b gc g W

(31%) d gc w Mdw

(10%) (Exb 5.2).

A 2008, wk Mdw (66%) d

Su (64%) k b d

PPO wk g; wk

W (48%) k b d

PPO (Exb 5.2).

E HDHP/SO g g

wk Mdw (14%), d w g

wk N (5%) (Exb 5.2).

E HDHP/SO d d 8%

cvd wk 2009 (Exb 5.1).

E HDHP/SO g g

wk (3199 wk)

g (200 wk) (13% v. 6%)

(Exb 5.2).

HDHP/SO w g wk

gcuu/g/cuc (5%)

d /cuc/u

(4%) g wk

du (Exb 5.2).


77/212


63


e x h i B i t 5 . 1

d b h P e Cv W , b P tp, 19882009

CONVENTIONAL

HMO

PPO

POS

HDHP/SO

0% 20% 40% 60% 80% 100%

1988

1993

1996

1999

2000*

2001*

2002*

2003

2004

2005*

2006

2007

2009

2008*

31% 28% 14%

73%

46%

27%

10%

8%

7%

4%

5% 24% 54% 17%

5% 25% 55% 15%

3% 21% 61% 15%

3% 20% 60% 13% 4%

3% 21% 57% 13% 5%

2% 20% 58% 12% 8%

1% 20% 60% 10% 8%

2009 employer health benefits survey _7936

Documents