kaiser family fnd 2010 employer health benefits survey
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8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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2010-and-
T H E K A I S E R F A M I Ly F O u N D AT I O N
- A N D -
H E A LT 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 1 0A 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. NORC’s 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 © 2010 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: 978-0-87258-878-3
American Hospital Association/Health Research & Edcational Trst Catalog Nmber 097522
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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t h e k a i s e r a m i ly 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 C o N T e N T s
li s T o e x hi b i Ts
s u m m A ry o i ND i Ng s 1
s u rve y D e s i g N A ND m e ThoD s 9
s e CTi oN 1
C H Ic 19
s e CTi oN 2
H B O R 35
s e CTi oN 3
E Cg, Egb, d Pc 45
s e CTi oN 4
P Od 59
s e CTi oN 5
Mk S H P 65
s e CTi oN 6
Wk d E Cb P 69
s e CTi oN 7
E C Sg 97
s e CTi oN 8
Hg-Ddcb H P w Sg O 127
s e CTi oN 9
Pc Dg B 143
s e CTi oN 1 0
P Fdg 153
s e CTi oN 1 1
R H B 161
s e CTi oN 1 2
W Pg, H Rk A, d D 169Mg Pg
s e CTi oN 1 3
E O d H P Pcc 183
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v
t h e k a i s e r a m i ly 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
s u rve y D e s i g N A ND m e ThoD s
eb m.1 15Scd Ccc F S S, 2010
eb m.2 16Db E, Wk,d Wk Cd b H B,b F Sz, 2010
eb m.3 17S b Rg, 2010
Cos T o he A lTh i Ns u rA NCe
eb 1.1 22Ag M d A P Cd Wk, Sg d F Cg, b P , 2010
eb 1.2 23Ag M d A P Cd Wk, b P dF Sz, 2010
eb 1.3 24Ag M d A P Cd Wk, b P d
Rg, 2010
eb 1.4 25Ag M d A P Cd Wk, b P dId, 2010
eb 1.5 27Ag A P CdWk w Sg Cg, b FCcc, 2010
eb 1.6 28Ag A P CdWk w F Cg, b FCcc, 2010
eb 1.7 29Db A P Sgd F Cg R AgA Sg F P, 2010
eb 1.8 29Db P Sg dF Cg R AgA Sg F P, 2010
eb 1.9 30Db A P CdWk w Sg Cg, 2010
eb 1.10 30Db A P CdWk w F Cg, 2010
eb 1.11 31Ag A P Sg dF Cg, 1999–2010
eb 1.12 32Ag A P Cd
Wk w F Cg, b F Sz,1999–2010
eb 1.13 32Ag A P CdWk w F Cg, b F Sz,1999–2010
eb 1.14 33Ag Wk Lg F (200 M Wk), Ag H IcP F Cg, b FdgAg, 1999–2010
he A lTh b e Ne i Ts oe r rA Te s
eb 2.1 38Pcg F Og H B,1999–2010
eb 2.2 38Pcg F Og H B,b F Sz, 1999–2010
eb 2.3 39Pcg F Og H B,b F Sz, Rg, d Id, 2010
eb 2.4 40Pcg F Og H B,b F Ccc, 2010
eb 2.5 41Ag F Og H B,Pcg T O H B P- Wk, b F Sz, 1999–2010
eb 2.6 41Ag F Og H B,Pcg T O H B Wk, b F Sz, 1999–2010
l i s T o e x h i b i T s
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t h e k a i s e r a m i ly 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
v
eb 2.7 42Ag F Og H B,Pcg T O Cb S B P Pdg D
V B, b F Sz d Rg, 2010
eb 2.8 43Ag F Og H B,Pcg T O Cb S B P Pdg D V B, b F Sz, 2000–2010
eb 2.9 43Ag S F (3–199 Wk)N Og H B, R N Og, 2010
eb 2.10 44Ag S F (3–199 Wk) N
Og H B, Pcg TR Fwg Ac RgdgH B, b F Sz, 2010
employee CoverAge,
eligibiliTy, AND pArTiCipATioN
eb 3.1 48Pcg A Wk Cd b T E’ H B, FB Og d N Og HB, b F Sz, 1999–2010
eb 3.2 49Egb, k-U R, d Cg
F Og H B, b F Sz,Rg, d Id, 2010
eb 3.3 50Ag Wk F Og HB, Pcg Wk Egb H B Od b T F,b F Ccc, 2010
eb 3.4 51Ag Wk F Og HB, Pcg Egb WkW k U H B Od b T F, b F Ccc, 2010
eb 3.5 52Ag Wk F Og HB, Pcg Wk Cdb H B Od b T F,b F Ccc, 2010
eb 3.6 53Egb, k-U R, d Cg Wk F Og H B,b F Sz, 1999–2010
eb 3.7 54Pcg Cd Wk F w Wg Pd Cg d AgWg Pd M, b F Sz,
Rg, d Id, 2010
eb 3.8 55Db Cd Wk w Fwg Wg Pd Cg, 2010
eb 3.9 55Db Cd Wk EcgSg Cg, Sg P O Cg, F Cg, 2001–2010
eb 3.10 56Db Cd Wk EcgSg Cg, Sg P O Cg, F Cg, b F Sz, 2001–2010
eb 3.11 57Db F w FwgAg L Dd Cg P w Lg E, 2010
eb 3.12 57Db F w FwgAg L Dd Cg F- Sd P w Lg E, 2010
Ty p e s o p lA Ns oe re D
eb 4.1 61
Ag F Og H B,Pcg F T O O, w, T M P , b F Sz, 2010
eb 4.2 62Ag F Og H B,Pcg Cd Wk FOg O, w, T M P, b F Sz, 2010
eb 4.3 63Ag F Og H B,Pcg F T O FwgP , b F Sz, 2010
eb 4.4 63
Ag F Og H B,Pcg Cd Wk FT O Fwg P ,b F Sz, 2010
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t h e k a i s e r a m i ly 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
m A rk e T s hA re s o he A lTh p lA Ns
eb 5.1 67Db H P E
Cd Wk, b P , 1988–2010
eb 5.2 68Db H P E Cd Wk, b F Sz, Rg,d Id, 2010
Worke r A ND e m p loye r
CoNTri b u Ti oNs or p re m i u m s
eb 6.1 72Ag Pcg P Pdb Cd Wk Sg d F Cg, 1999–2010
eb 6.2 73Ag M Wk PCb Pd b Cd Wk Sg d F Cg, 1999–2010
eb 6.3 74Ag A Wk d ECb P d P Sg Cg, 1999–2010
eb 6.4 75Ag A Wk d ECb P d P F Cg, 1999–2010
eb 6.5 76Ag A F d Wk PCb d P Cd Wk Sg d F Cg, b P , 2010
eb 6.6 77Ag A Wk Cb Cd Wk w Sg Cg,b F Sz, 1999–2010
eb 6.7 78Ag A Wk Cb Cd Wk w F Cg,b F Sz, 1999–2010
eb 6.8 79Ag A Wk PCb Pd b Cd Wk Sg d F Cg, b F Sz,1999–2010
eb 6.9 80Ag A F d WkP Cb d P Cd Wk Sg Cg,b P d F Sz, 2010
eb 6.10 81Ag A F d WkP Cb d P Cd Wk F Cg,
b P d F Sz, 2010
eb 6.11 82Ag M d A WkP Cb Pd b CdWk Sg d F Cg,b P d F Sz, 2010
eb 6.12 83Ag M d A WkP Cb Pd b CdWk Sg d F Cg,b P d Rg, 2010
eb 6.13 84
Ag M Wk PCb Pd b Cd Wk Sg d F Cg,b P , 1999–2010
eb 6.14 84Db Wk PCb Sg d F Cg R Ag AWk P Cb, 2010
eb 6.15 85Db Pcg P Pdb Cd Wk Sg d F Cg, 2002–2010
eb 6.16 86Db Pcg P Pdb Cd Wk Sg Cg,b F Sz, 2002–2010
eb 6.17 87Db Pcg P Pdb Cd Wk F Cg,b F Sz, 2002–2010
eb 6.18 88Db Pcg P Pd b Cd Wk Sg d F Cg, b Wg, 2010
eb 6.19 89Ag Pcg P Pdb Cd Wk Sg Cg,b F Ccc, 2010
eb 6.20 90Ag Pcg P Pdb Cd Wk F Cg,b F Ccc, 2010
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v
eb 6.21 91Ag Pcg P Pdb Cd Wk Sg d F Cg, b P d F Sz, 2010
eb 6.22 92Ag Pcg P Pdb Cd Wk Sg d F Cg, b P , 1999–2010
eb 6.23 93Ag Pcg P Pdb Cd Wk Sg d F Cg, b P d Rg, 2010
eb 6.24 94Ag Pcg P Pdb Cd Wk, b P dId, 2010
eb 6.25 96Pcg Cd Wk FT V Wk P Cbb Wg, b F Sz d Rg, 2010
e m p loye e Cos T s hA ri N g
eb 7.1 102Pcg Cd Wk wN G A H P Ddcb Sg d F Cg, b P d F Sz, 2010
eb 7.2 103
Ag Cd Wk w N GA H P Ddcb Sgd F Cg, Pcg WH Fwg C Sg,b P , 2010
eb 7.3 104Ag Cd Wk w GA H P Ddcb SgCg, Ag Ddcb, b P d F Sz, 2010
eb 7.4 105Ag Cd Wk w GA H P Ddcb Sg
Cg, Ag Ddcb, b P d Rg, 2010
eb 7.5 106Ag Cd Wk w GA H P Ddcb SgCg, Ag Ddcb, b P ,2006–2010
eb 7.6 106Pcg Cd Wk Ed P w Hg G A Ddcb Sg Cg, B F Sz, 2010
eb 7.7 107Pcg Cd Wk Ed P w G A Ddcb $1,000 M Sg Cg,
B F Sz, 2006–2010
eb 7.8 108Ag Cd Wk w GA H P Ddcb SgPPO Cg, Db Ddcb,2006–2010
eb 7.9 108Ag Cd Wk w GA H P Ddcb SgPOS Cg, Db Ddcb,2006–2010
eb 7.10 109
Db G ADdcb Cd Wk w F Cg, b P d F Sz, 2010
eb 7.11 110Ag Cd Wk w G A H P Ddcb,Ag Ddcb F Cg,b Ddcb , P , dF Sz, 2010
eb 7.12 111Ag Cd Wk w GA H P Ddcb F Cg, Ag Aggg Ddcb,
b P , 2006–2010
eb 7.13 111Ag Cd Wk w GA H P Ddcb F Cg, Db Ddcb,b P d Ddcb , 2010
eb 7.14 112Ag Cd Wk w S P G A H PDdcb F Cg, Db Mx Nb F MbRqd M Ddcb, b P, 2010
eb 7.15 113Ag Cd Wk w AgggG A H P Ddcb F Cg, Db AgggDdcb, b P , 2006–2010
eb 7.16 114Ag Cd Wk w GA H P Ddcb, Pcgw Cg Fwg ScW Hg F M Ddcb,b P , 2010
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t h e k a i s e r a m i ly 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
eb 7.17 114Db Cd Wkw S C Sg HAd Add A G
A Ddcb, b P , 2010
eb 7.18 115Db Cd Wk wS C Sg OSg Add A GA Ddcb, b P , 2010
eb 7.19 116Ag Cd Wk w SC Sg H Ad O Sg Add A G A Ddcb, AgC Sg, b P , 2010
eb 7.20 117I Add A G A PDdcb, Pcg Cd Wkw Fwg C Sg Pc Oc V d Egc R V, b P , 2010
eb 7.21 118I Add A P Ddcb,Pcg Cd Wk wEgc R C Sg,b P , 2010
eb 7.22 118Ag Cd Wk w C
d/ Cc I-Nwk PcOc d Egc R V, AgC d Cc, b P ,2010
eb 7.23 119Ag Cd Wk w C Pc Oc V w P C Pc, Db C,b P , 2004–2010
eb 7.24 120Ag Cd Wk w C Pc Oc V w Sc C Pc, Db C,
b P , 2006–2010eb 7.25 121
Ag Cd Wk HMO wC Pc Oc V,Db Pcg Wkw V C, 1999–2010
eb 7.26 121Ag Cd Wk w Cc Pc Oc V, Db AgCc R, b P , 2010
eb 7.27 122Pcg Cd Wk W A O--Pck Mx Sgd F Cg, b P , 2010
eb 7.28 122Ag Cd Wk w AO--Pck Mx, Pcg WSdg V Sc D N Cwd O--Pck Mx, 2010
eb 7.29 123Ag Cd Wk w O--Pck Mx Sg Cg,Db O--Pck Mx,b P , 2010
eb 7.30 124Db O--Pck
Mx Cd Wk w F Cg, b P d F Sz, 2010
eb 7.31 125Ag Cd Wk w AgggO--Pck Mx F Cg, Db O--PckMx, b P , 2010
eb 7.32 126Ag Cd Wk w S P O--Pck Mx F Cg, Db O--PckMx, b P , 2010
eb 7.33 126Ag Cd Wk w S P O--Pck Mx F Cg, Db Mx Nb F Mb Rqd M Mx, b P , 2010
hi g h-D e D u CTi b le he A lTh p lA Ns
Wi Th s A vi Ng s op Ti oN
eb 8.1 132Ag F Og H B,Pcg T O HDHP/HRA d/ HSA-Qd HDHP, 2005–2010
eb 8.2 132Ag F Og H B,Pcg T O HDHP/SO,b F Sz, 2010
eb 8.3 133Ag F Og H B,Pcg T O HDHP/SO,b F Sz, 2005–2010
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eb 8.4 133Pcg Cd Wk Ed HDHP/HRA HSA-Qd HDHP,2006–2010
eb 8.5 134Pcg Cd Wk Ed HDHP/HRA HSA-Qd HDHP,b F Sz, 2010
eb 8.6 134HDHP/HRA d HSA-Qd HDHPF Cd Wk, 2010
eb 8.7 135Ag A P d Cb Sg Acc Cd Wk HDHP/HRA HSA-Qd HDHP,Cd A N-HDHP/SO P, 2010
eb 8.8 136Db Cd Wk w Fwg G A DdcbA Sg Cg, HSA-QdHDHP d HDHP/HRA, 2010
eb 8.9 136Ag Cd Wk, Db G A Ddcb F Cg, HDHP/HRA dHSA-Qd HDHP, 2010
eb 8.10 137Db Cd Wk w Fwg Aggg F Ddcb
A, HDHP/HRA d HSA-QdHDHP, 2010
eb 8.11 137Pcg Cd Wk w Cg Fwg Sc W Hg F M Ddcb, HDHP/HRA dHSA-Qd HDHP, b B , 2010
eb 8.12 138Pcg Cd Wk P C S-Fdd HDHP/HRA dHSA-Qd HDHP, 2010
eb 8.13 138
Db Cd Wk w Fwg A E Cb HRA HSA, Sg Cg, 2010
eb 8.14 139Db Cd Wk w Fwg A E Cb HRA HSA, F Cg, 2010
eb 8.15 139Db F Cb HRA Sg d F Cg R Ag A F Cb HRA, 2010
eb 8.16 140Db F Cb HSA Sg d F Cg R Ag A F Cb
HSA, 2010
eb 8.17 141Db Cd Wk HDHP/HRA d HSA-Qd HDHPw Fwg C Sg Add G A Ddcb,2010
p re s Cri p Ti oN D ru g b e Ne i Ts
eb 9.1 146Db Cd WkFcg D C-Sg F Pc Dg B, 2000–2010
eb 9.2 147Db Cd Wk FcgD C-Sg F Pc Dg B, b P , 2010
eb 9.3 148Ag Wk w T, F, M C Sg, Db Cd Wk w Fwg C Sg Pc Dg,b Dg d P , 2010
eb 9.4 149Ag Cd Wk w T, F,
M Pc C Sg,Ag C d AgCc, 2000–2010
eb 9.5 150Ag Wk w w CSg Pc Dg, Db Cd Wk w Fwg C Sg Pc Dg,b Dg d P , 2010
eb 9.6 151Ag Cd Wk w w Pc C Sg, Ag Cd Ag Cc, 2000–2010
eb 9.7 151Ag Wk w S C SgRgd Dg, Db Cd Wk w Fwg C Sg Pc Dg,b P , 2010
eb 9.8 152Ag Cd Wk w SC Sg Rgd Dg,Ag C d AgCc, 2000–2010
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p lA N u ND i Ng
eb 10.1 155Pcg Cd Wk
P C S-Fdd P,b F Sz, 1999–2010
eb 10.2 155Pcg Cd Wk P C S-Fdd P,b P , 1999–2010
eb 10.3 156Pcg Cd Wk P C S-Fdd P,b F Sz, Rg, d Id, 2010
eb 10.4 157Pcg Cd Wk P C S-Fdd P,b P d F Sz, 2010
eb 10.5 157Pcg Cd Wk P C S-FddHMO P, b F Sz, 1999–2010
eb 10.6 158Pcg Cd Wk P C S-FddPPO P, b F Sz, 1999–2010
eb 10.7 158Pcg Cd Wk P C S-Fdd
POS P, b F Sz, 1999–2010
eb 10.8 159Pcg Cd Wk P C S-FddHDHP/SO, b F Sz, 2006–2010
re Ti re e he A lTh b e Ne i Ts
eb 11.1 163Ag A Lg F (200 M Wk)Og H B Ac Wk,Pcg F Og R HB, 1988–2010
eb 11.2 164Ag F Og H B Ac Wk, Pcg F OgR H B, b F Sz, Rg,d Id, 2010
eb 11.3 165Ag A Lg F (200 M Wk)Og H B Ac Wk,Pcg F Og R HB, b F Ccc, 2010
eb 11.4 166Ag A Lg F (200 M Wk)Og H B Ac Wk dOg R Cg, Pcg F
Og H B E d Mdc-Ag R, 2000–2010
eb 11.5 167Ag A Lg F (200 M Wk)Og H B Ac Wk dOg R Cg, Pcg FOg R H B E dMdc-Ag R, b F Sz, Rg,d Id, 2010
We l lNe s s p rog rA m s ,
he A lTh ri s k A s s e s s m e NTs , A ND
D i s e A s e m A NA g e m e NT p rog rA m s
eb 12.1 173Ag F Og H B,Pcg Og Pc WPg T E, b F Sz,Rg, d Id, 2010
eb 12.2 174Ag F Og H B,Pcg Og Pc WPg T E, b F Sz,Rg, d Id, 2010
eb 12.3 175Ag F Og H B,Pcg F w FwgF W B, b F Szd Rg, 2010
eb 12.4 176Ag F Og H dW B, Pcg FT O Scc Ic EW Pc W Pg,b F Sz d Rg, 2010
eb 12.5 177Ag F Og H B dW Pg, Pcg T UScc Md Id Idd dEcg Pc W Pg,b F Sz, Rg, d Id, 2010
eb 12.6 178Ag F Og H B dW Pg, Pcg FRg Fwg F’ P R Og W Pg,b F Sz, 2010
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t h e k a i s e r a m i ly 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
eb 12.7 178Ag F Og H B dW Pg, Pcg F TTk Og W Pg Ec
Ig H Rdcg C, 2010
eb 12.8 179Ag F Og H B,Pcg F T O EH Rk A, O Ic C A, d U A Ic W Pc, b FSz d Rg, 2010
eb 12.9 180Ag F Og Fc Ic H Rk A, Pcg F T O Fwg Ic C A, b F Sz d
Rg, 2010
eb 12.10 180Ag F Og H B,Pcg F T O DMg Pg T P w Lg E d Pcg Fw D Mg Og FcIc Pc, b F Sz, 2010
eb 12.11 181Ag F Og H BT H D Mg Pg T P w Lg E,Pcg w Pc Pg,
b F Sz, Rg, d Id, 2010
eb 12.12 182Ag F Og H BT H D Mg Pg T P w Lg E,Pcg w Pc Pg,b F Sz, Rg, d Id, 2010
e m p loye r op i Ni oNs A ND
he A lTh p lA N p rA CT i Ce s
eb 13.1 187Ag B F Og d NOg H B, Db
F’ O Ec Fwg Sg C HIc C, b F Sz, 2010
eb 13.2 188Ag F Og H B,Pcg F T R T Md Fwg Cg R EccDw, b F Sz d Rg, 2010
eb 13.3 189Pcg F Og HB T Sd F Nw P H Ic C P Y,
b F Sz, 2010
eb 13.4 190Ag F Og H BT Sd Nw P IcC, Pcg Rg T T Cgd Ic C d/ HP P Y, b F Sz, 2010
eb 13.5 191Ag F Og M TO H P, Pcg FT O Fc Ic Eg Lw C P Hg Q P,B F Sz, 2010
eb 13.6 192Ag F Og H B,Pcg F w Scc POg d F T P wT Lg E, B F Sz, 2010
eb 13.7 193Pcg E Rg Fwg R M HP d Addc Eq Ac 2008,b F Sz d Rg, 2010
eb 13.8 194Pcg F T Rw H P
Pc Idc, b F Sz, 2010eb 13.9 194
Ag F Rg T T Rw H P Pc Idc,Db F’ O Ic d Sc w Idc, b F Sz, 2010
eb 13.10 195Ag F Og H B,Pcg F Og FxbSdg Acc d P-x EP Cb, B F Sz, 2010
eb 13.11 196
Pcg Cd Wk w A Mx B SgCg, b P , 2010
eb 13.12 196Pcg E w Cg Pc Cc EcAb P w LgE, b F Sz, 2010
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t h e k a i s e r a m i l y o u n d at 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
k dg 2010 ,
cdcd J g M 2010,
cd c g g d
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wk cg. Ab q
(27%) cd wk ddcb
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g wk d
g-ddcb w g (HDHP/SO) 2009. F
dd cd c g
dcd c cg, cd
wk c
cc dw. 2010
c ck cg
g w b k
d cdd q
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cg d M H
P d Addc Eq Ac.
H E A L T H I N S U R A N C E P R E M I U M S
A N D W O R K E R C O N T R I B U T I O N S
g
-d c
2010 $5,049 g cg d
$13,770 cg. Cd
2009, g cg
5% g ($4,824) d
cg 3% g ($13,375).
Sc 2000, g
cg cd 114% (Exb A).
Ag cg
w wk (3–199wk) wk g
(200 wk) ($13,250 .
$14,038). Ag g-
ddcb w g
(HDHP/SO) w
g b
g d cg (Exb B).
F PPO, c ,
g d
$14,000 2010.
A c c b
dc d ggc cdc, gc
d g .
w c cd wk
w
cg $16,524 (120%
g ), w 19%
cd wk w
$11,016 (80%
g ) (Exb C).
I 2010, cd wk cbd
g , b
cg d wk
d g dcd.Cd wk g cb 19%
g cg
( 17% 2009) d 30%
cg ( 27% 2009). A
w ,
cbd b wk cdb
d g. F g cg,
28% wk 25%
w 16% k
cb.
F- c wk w
cg 25% ; 5% k cb
(Exb D).
Lkg d , g
wk cb $899
g cg d $3,997
cg, $779 d $3,515
c 2009.2 Wk
(3–199 wk) cb b
g cg wk
g (200 wk) ($865 .
$917), b cb gc
cg ($4,665 . $3,652).
P L A N E N R O L L M E N T
j (58%) cd wk
d d d gz
(PPO), wd b c
gz (HMO) (19%), HDHP/SO
(13%), --c (POS) (8%), d
c (1%). M b,
cg cd wk HDHP/SO
8% 2009 13% 2010.
S u m m a r y o F i n d i n g s
Employer-sponsored insurance is the leading source of health insurance , covering about 157 million nonelderly
people in america.1 to provide current information about th e nature of employer-sponsored health benefits ,
the K aiser family foundation (K aiser) and the health research & educational trust (hret) conduct an annual
national survey of nonfederal private and public employers with three or more worKers. thi s is th e twelfth
K aiser/hret survey and reflects health benefit information for 2010.
Employer Contribution Worker Contribution
20102000
$3,997
$9,773
$13,770
$1,619
$4,819
$6,438
114%
Premium
Increase
147%
Worker
Contribution
Increase
E x h i b i t A
Aa Anna hat inanc p and W Cnttn
a Ca, 2000–2010
sc: k/hret sv epsp h B, 2000–2010.
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2
t h e k a i s e r a m i l y o u n d at 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
E M P L O Y E E C O S T S H A R I N G
M cd wk c dd c
w c c. M
wk PPO (77%) d POS
(66%) g ddcb
g cg b b
c b b . I
c, 28% wk HMO
g ddcb g
cg, g 16%
2009. M wk w ddcb
c g c c.
Ag wk w ddcb,
g g ddcb g
cg $675 wk PPO, $601
wk HMO, $1,048 wk
POS , d $1,903 wk
HDHP/SO (wc b d g
ddcb). A c , wk
(3–199 wk) w g
cg g ddcb
wk g (200 wk).
Ag ddcb g cg d
b g .
cg cd wk w
ddcb $1,000 g
cg gw 22% 27%
. Cd wk
k cd wk g
(46% . 17%) b w
ddcb $1,000 (Exb E).
M c c c b
ddcb . F x,
c , PPO, 91% cd
wk w g ddcb
d ddcb b
c cd. S c
cd wk PPO d
ddcb b c c
cd, d 92% d
ddcb b c
dg cd.
j wk
c c c .
F x, 75% cd wk
c ( xd d ) d 16%
cc ( cg cg)
c c , d
c c , 73% cd wk
c d 17% cc.
M cd wk HMO, PPO,
d POS c c, w
cd wk HDHP/SO
k cc q
c g ddcb . Cd wk w c
g $22 c d
$31 c c -wk
c , cd $20 d $28
c 2009. F cd wk
w cc, g cc
18% b c d c
c. cc
-wk c g, b w
--wk c g g.
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, 2010
Single
HMO
Family
ALL PLANS
HDHP/SO
Single
Family
PPO
Single
Family
POS
Single
Single
Family
Family
Worker Contribution Employer Contribution
$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000
$1,028*
$4,102 $5,130
$4,357 $14,125$9,768
$899 $4,150
$905
$974
$5,195*
$4,265
$8,018*
$4,219
$14,033
$13,213
$12,384*
$13,770
$4,470*
$3,997 $9,773
$3,823
$5,124
$5,239
$10,210
$632*
$3,522
$3,839*
$8,861*
$5,049
* e c a P b cvg p (p<.05).
sc: k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i l y o u n d at 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
3
A cd wk (99%)
c dg cg, d
j c c g
c. O -q (78%)
cd wk w
c g
g bd c
dg. C c
cc . Ag
wk w - - ,
g c c
$11 - dg, cd
gc; $28 cd- dg,
cd d; $49 d- dg,
cd d; d $89
- dg.
C g c dg b
. Cd wk HDHP/SO
k wk
b w c g
ddcb w
c g gd
dg.
M wk c dd c
g d
g. F d,
g ddcb, 53%
cd wk cc,
E x h i b i t C
Dttn p sn and a Ca rat t t Aa Anna sn a p, 2010
n: t vg p $5,049 g cvg $13,770 cvg.
sc: k/hret sv epsp h B, 2010.
sn Ca a Ca
p ran, rat
t Aa p
P rg,
d a
Pcg Cv
W rg
P rg,
d a
Pcg Cv
W rg
l 80% l $4,039 20% l t $11,016 19%
80% l t 90% $4,039 <$4,544 16% $11,016 <$12,393 18%
90% l t avg $4,544 <$5,049 21% $12,393 <$13,770 14%
avg l t 110% $ 5,049 <$5,554 16% $13,770 <$15,147 18%
110% l t 120% $5,554 <$6,058 10% $15,147 <$16,524 12%
120% m $6,058 m 17% $16,524 m 20%
E x h i b i t D
Dttn t pcnta Tta p pad Cd W sn and a Ca, s, 2010
* db a s a lg c (p<.05).
sc: k/hret sv epsp h B, 2010.
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
35% 39% 18% 8%
6% 65% 27%
1%
SINGLE COVERAGE
FAMILY COVERAGE
All Small Firms(3–199 Workers)*
All Large Firms(200 or More Workers)*
ALL FIRMS
All Small Firms(3–199 Workers)*
All Large Firms
(200 or More Workers)*
ALL FIRMS
16% 56% 24%
13% 30% 25% 32%
1%
50% 40% 8%
4%
5% 43% 35% 16%
Greater than 25%, less than or equal to 50%
Greater than 50%
0%
Greater than 0%, less than or equal to 25%
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4
t h e k a i s e r a m i l y o u n d at 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
19% c, d 10%
b cc d c.
A dd 5% d (
d) d 5%
ddcb. F
d, g cc
18%, g c $232
d, g d
cg $228, d g
ddcb $723.
Ag cd wk
b c g w
ccg c,
c g
wk c , g
d --ck x.
Eg-w c cd wk
--ck x
g cg, b
cdb. F x, g cdwk --
ck x g cg,
31% w
--ck x $3,000
, d 16% w
--ck x
$1,500. E w --
ck , dg c
wd --ck x. F
x, g wk PPO w
--ck x, 74%
d c c c
c, 32%
d c dg g
ddcb, d 80%
d c c dg
dg w dg
cd --ck .S
w b
. w c cd
wk w
b g cg.
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 d
g b, wc
gc g 60%
d (Exb F). cg g 13 cg
c g g
w 3 9 wk. W
b b z cg
, ’ cg c
g bd, d
c cg c. G
w cc c d g
, k
bg g cg.
A b x -g
w k dg
, d -g
d g g
g .
g bd
dd dc gcg cg wk
g b bc wk
d b g . cg
wk g b
91% 2009 93% 2010.
E cg,
wk cd. S wk
gb wg
d wk- .
O c ,
bc c cg
b cc cg g
. Ag cg,
g 79% wk gb
b d b
. O gb, 80% k
cg, g 63% wk
g b g
cg g . Ag
b d d
b, 59% wk cd
b d b ,
cg d .
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,
s, 2006–2010
* e c pv w (p<.05).
n: t c w hdhP/so p p. Bc w cc b cv p, b cvv, w w cv p v cb $1,000 . Bc w cv p, pc p .
sc: k/hret sv epsp h B, 2006–2010.
2006 2007 2008 20102009
All Small Firms (3–199 Workers) All Large Firms (200 or More Workers) All Firms
0%
10%
20%
30%
40%
50%
16%
10%
6%
21%*
12%*
8%
35%*
18%*
9%
40%
22%*
13%*
46%
27%*
17%
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t h e k a i s e r a m i l y o u n d at 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
5
H I G H - D E D U C T I B L E H E A LT H
P L A N S W I T H S A V I N G S O P T I O N
Hg-ddcb w g
cd (1) w
ddcb $1,000 g cg
d $2,000 cg d w
H Rb Ag(HRA), d “HDHP/HRA,” d
(2) g-ddcb
d g q
b d cb H Sg
Acc (HSA), d “HSA-qd
HDHP.”
F c g
b HDHP/SO 2010.
Ag w 1,000 wk,
34% HDHP/SO, 28%
2009 d 22% 2008.
c cd wk
d HDHP/SO, 8%
2009. S c cd wk
d HDHP/HRA,
3% 2009. cg cd
wk d HSA-qd
HDHP d d 6%. N
c cd wk
(3–199 wk) d
HSA-qd HDHP, cd 5%
wk g (200
wk) (Exb G).
A ddcb g cg
HDHP/HRA d HSA-qd
HDHP g $1,737 d $2,096,
c, . Wk
HSA-qd HDHP
(3–199 wk) c g ddcb
g cg ($2,284) d
E x h i b i t F
pcnta on hat bnft, s, 1999–2010
* e c pv w (p<.05).
n: a sv dg m c , p b b p b cp v w j q b w b.
sc: k/hret sv epsp h B, 1999–2010.
FiRM SiZE 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–9 W 56% 57% 58% 58% 55% 52% 47% 48% 45% 49% 46% 59%*
10–24 W 74 80 77 70* 76 74 72 73 76 78 72 76
25–49 W 86 91 90 86 84 87 87 87 83 90* 87 92
50–199 W 97 97 96 95 95 92 93 92 94 94 95 95
All Small Frms
(3–199 Workers)65% 68% 68% 66% 65% 63% 59% 60% 59% 62% 59% 68%*
All Large Frms
(200 or More Workers)99% 99% 99% 98% 98% 99% 98% 98% 99% 99% 98% 99%
ALL FiRMS 66% 69% 68% 66% 66% 63% 60% 61% 60% 63% 60% 69%*
E x h i b i t G
pcnta Cd W end n an hDhp/hrA hsAQafd hDhp, s, 2010
* e c bw a s a lg w cg (p<.05).
sc: k/hret sv epsp h B, 2010.
HDHP/HRA HSA-Qualied HDHP* HDHP/SO
0%
10%
20%
30%
40%
All Small Firms (3–199 Workers)
All Large Firms (200 or More Workers)
All Firms
7%7% 7%9%
5% 6%
16%
12% 13%
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6
t h e k a i s e r a m i l y o u n d at 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
cg ($4,258) wk w
HSA-qd HDHP g
(200 wk), w ddcb
g $1,895 g cg d
$3,734 ggg ddcb
cg.3 Lk wk
, wk cd
b HDHP/HRA c g ddcb
wk g w
g cg ($2,119 . $1,541).4
dgg c g-
ddcb g
b . Wk d
HDHP/HRA c g
cb $907
g cg d $1,619
cg (Exb H). g HSA
cb $558 g cg d
$1,006 cg. N
cb HSA. Ab w
g (cg b
65% wk cd b HSA-qd
HDHP) k cb HSA
wk. g
cb HSA cbg
$858 g cg d
$1,546 cg.
g g cg
wk HSA-qd HDHP d
HDHP/HRA w g wk
HDHP/SO. F cg,
g HSA-qd
HDHP w g
wk
HDHP/SO. g wk
cb HSA-qd HDHP
g cg w
g -HDHP/SO .
R E T I R E E C O V E R A G E
w-g c g
(200 wk)
b 2010, wc c
d 2009 30%,
b dw 34% 2005.5 O
cg (3%)
(3–199 wk)
b. Ag g
b, 93%
b (g b
g 65) d 75% b
Mdc-g .
W E L L N E S S B E N E F I T S A N D
D I S E A S E M A N A G E M E N T
Wkc w g
b b
g b d
wk d . A
- (74%)
b
wg w g: wg
g, g b dc
- xc c, kg c
g, ccg, c
g, wb-bd
c g, w
w. cg g
w b cd
E x h i b i t h
Aa Anna p and Cnttn t san Accnt Cd W n hDhp/hrA
hsAQafd hDhp, Cad t A NnhDhp/so pan, 2010
* e c a nhdhP/so P (p<.05).
‡W cb hsa (60% g cvg 61% cvg) c cc, vg cb hsa cv w $858 g cvg $1,546 cvg. hdhP/hra, w p c vb hra cb c. hra cc, p q c p c p. t, p p c vb p g hra. t, p cb hra w cp v c p w c p.
§i cp c hdhP/so p hdhP/so, w c cp vb cg hdhP/so .
na: n appcb.
n: V w b q cp p. t vg p b ggg v vg, wc gc ppp g vg. t v t a P, t a Cb, t a C.
sc: k/hret sv epsp h B, 2010.
hDhP/hRA hSA-Qualfed hDhP Non-hDhP/SO Plans§
sg sg sg
toal Annual Premum $4,702* $13,068 $4,233* $11,683* $5,136 $13,979
W Cb P $799 $3,604 $444* $3,457 $939 $4,069
Cb P $3,903 $9,464 $3,789* $8,225* $4,197 $9,910
Annual Frm Conruon o e hRA or hSA‡ $907 $1,619 $558 $1,006 na na
toal Annual Frm Conruon ( s
P P C b hra hsa) $4,810* $11,083* $4,347 $9,231 $4,197 $9,910
toal Annual Cos (t P P
Cb hra hsa, appcb) $5,608* $14,687 $4,791* $12,688* $5,136 $13,979
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t h e k a i s e r a m i l y o u n d at 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
7
( 58% 2009), w
c w g
cg (51%) g
b wb-bd c
g 2010 2009 (36%).
F g cg d w
b w b
(87%) dd g
b dc. O
cg (10%) g
b d cd w
g c wk
c w g.
H k d w
d d
k d d cd wk.
E c g
b g
cg k ,
d - (53%) k d
d c
w g.6 Lg (200
wk) k
k
(3–199 wk) (55%
. 10%). w-w c
g k
c c wk c
. Lg k
c c
(36% . 19%). Ag d
g c c c k ,
39% d g
cd, , cd, c;7 14%
d
; 8% d
ddcb;
d 1% d w
cc .
- c g
b d g
cd d g
g, 26% d
2008 w q w kd.
Lg (200 wk)
k (3–199 wk)
cd d g g
g (67% . 30%).
O T H E R T O P I C S
heal Plan Qualy. I 2010, w kd w w c
dc ’ cc d
c q. Lg (200
wk) w k w
c dc
(3–199 wk) (34% . 5%). Ag
w d wg c
dc, c dc
d w C A
Hc Pd d S
(CAHPS) (77%) d c
d (61%). S- c d
w “w d” “ d” w
b q. Hw,
49% d
w “w ” “
” dc c
.
Response o e Economc Downurn.
F w w kd b cg d
b
c. , 30%
dd dcd c
b cd c g, d
23% d cd
wk . Ag g
(200 wk), 38% d
dcg c b cg
c g, 22% 2009, w
36% d cg wk’
, 22% 2009.
Menal heal Pary. c M H P d Addc Eq
Ac 2008 d w
50 wk k cg
b.8 - c
w 50 wk dd
d d cg; g (200
wk) w k
d (51–199 wk)
(43% . 26%). Ag cgd
b, w-d (66%) d
cg, 16% cd
z g
b, d 5% dcd dd cg (Exb I).
E x h i b i t i
pcnta Wt m Tan 50 W rtn t wn a a rt t 2008 mnta hat pat
and Addctn eqt Act, 2010
‡ag pg cg b m h P ac eq ac 2008.
sc: k/hret sv epsp h B, 2010.
0% 20% 40% 60% 80% 100%
Changed Mental Health Benets
Eliminated Limits on Coverage‡
Dropped Mental Health Coverage‡
Increased Utilization Managementof Mental Health Benets‡
Other‡
31%
66%
5%
16%
23%
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8
t h e k a i s e r a m i l y o u n d at 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
C O N C L U S I O N
2010 d c
d gw w
c d g --ck
c . P cd j
5% g cg d 3%
cg bw 2009 d 2010. A , wk w
g d cg
gw .
cg wk w
ddcb $1,000 g
cg c cb, w
q (27%) wk g
d - (46%) wk
c . cg wk HDHP/SO gc
8% 13% .
ckg w d w wk --
ck c c gw w b
c x
w . w cc c d
cg g gg
d cg --ck
c w , wk c dd b b w c
c b .
__________________________________________________________________________________________________________________________________________________________
1k , k C mc u, The Uninsured: A Primer , ocb 2009.
2t vg w cb c w w cb.
3d p w w ggg cb w pg b cv p c w cb.
4t fc vg hdhP/hra ggg cb cp cvg.
5W w c 0.46% g c cvg b v g b. hc b v b cc cpb.
6h g c q c , , .
7i 2010, w c cv p w cp pv g c, v, c, c, w 2009,
q w g , cg w p c cv.8
m h P ac eq ac 2008, www.c.gv/c/04_pc.p.
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
S
Dg
d
Md
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Eple Helth Beeft 2010 Anna s
10
t h e k a i s e r a m i ly 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
S u r v e y D e S i g n a n D M e t h o D S
the K aiser family foundation an d th e health research & educational trust (K aiser/hret)
conduct this annual survey of employer-sponsored health benefits . hret, a nonprofit research
organization, is an affiliate of th e american hospital association. the K aiser family foundation
designs, analyzes, and conducts this survey in partnership with hret, and also pays for the cost of
the survey. hret subcontracts with researchers at national opinion research center (norc) at the
university of chicago, who worK with foundation and hret researchers in conducting the study.
K aiser/hret retained national research, llc (nr), a washington, d.c.-based survey research firm,
to conduct telephone interviews with human resource and benefits managers using the K aiser/hret
survey instrument. from January to may 2010 nr completed full interviews with 2,046 firms.
s u r v e y T o p i C s
A , K/HRE kd c
cg 400 q b
g c gz (HMO),
d d gz (PPO), --
c (POS) , d g-ddcb
w g (HDHP/SO).1 I 2006,
K/HRE bg kg
d w xc d
gz (EPO). W EPO d HMO
g d
d b “HMO;”
b HMO d EPO, kd b b w g .
Nw c 2010 cd q
gb dd cg, cg
c cd cc, cg
M H P d Addc
Eq Ac 2008, d d g. A
, ’ cdd q
c c, , cg,
gb, , ,2
c g, c dg b,
b, w 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.
3 i , 185 pcp 2007 2009, 367 pcp 2008 2009, 939 pcp 2007,
2008, 2009.
n o t e :
r e s p o N s e r A T e
A dg qd U.S.
C B d, K/HRE dw
S Sg Icd (bd
g D d Bd ) ’
d C B’ C
G bc w
wk. c c, K/HRE
d b d d b
wk . K/HRE d
w w ’ d (w
) w cd
2008 2009 , b. A ,1,547 ’ 2,046
cd 2008, 2009, b .3
T 47%.
T j q kd
b. A 1,892 dg
dcd d b. T
b
48%.
W kd q d w
wc w d cc w dcd
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t h e k a i s e r a m i l y o u n d at 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
c. T q w, “D c
c g b
?” A 3,143 dd
q (cdg 2,046 w dd
d 1,097 w dd
q). T cdd cg g
b.4 T q 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
Tg , xb cgz d b z
, g, d d. F z d
w: A S, 3 199 wk; d A Lg,
200 wk. Occ, z cg
w b bk g. T A S g
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 g
b cgzd b: 200 999 wk, 1,000
4,999 wk, d 5,000 wk. Exb
M.1 w cd ccc .
Exb M.3 d wc c g.
Exb M.2 d db ’
, wk, d cd wk (
cg cg ). Ag
, x
59.6% g 3 9 wk; c
8.3% wk d 5.5% wk cd
b c. I c, c
g 1,000 wk;
47.5% wk d 51.3% cdwk. T, d
c b w g
dg. I c, w 1,000 wk
g ccg
c gdg cd wk, c
g cg ’ wkc.
Tg , w “-wk”
c cd d d.
F cg dd cg
.
Ec , k cg
cd .
T , c d d $23,000
. T d bd 25 c
wk’ g d b B Lb
Sc g d N C
S (2008), c d b
dg. T d w
djd cc cg wk’ g
2008 2009, g B Lb
Sc’ E C Idx.
r o u N D i N g A N D i m p u T A T i o N
S xb d
d dg c. I w c, b
db xb dd q
b cd x d dg
c. Ag d z d
d c d, bkdw
b b d d z. W
wgd z w 30, xb
cd “NSD” (N Sc D).
c b, K/HRE g b
. I g, 5% b
d g b. A b
d wg dck c. I 2010,
w b w
xcdd 20% b w 30%. F
c, d b w cd w
d b d c gc
dc. T w b K/HRE
dcdd d b d; c
b w “d’ kw” cdd d
( x, ’ b
c g c c c).
s A m p l e D e s i g N
W dd q bd
bd U.S. C.
P 2009 , q w
bd c dd b S Sg
Icd (SSI) (wc b d D
d Bd). O , w d
D d Bd qc c b
bc dc g ,
g b. T ccc b
z d d. I 2003, w bg g
c d cc c dd b C
B’ Sc U.S. B d C
G b -c,
4 e p eb 2.1, 2.2 2.3 b p b cp v
w j q b w b.
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t h e k a i s e r a m i ly 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
g w dw D d
Bd . I d dd cc
g, w w C d
b .
W d Edc gcg, bg Sc
cg. P 2009, Edc w
d g Sc .
Edc cd dg -c,
d djg g c
Edc w cc
b Edc d Sc d.
I , b d g
w d D d Bd db.
Bgg 2009, G w d
- 2007 C G.
T cg w d
gc w q d
D d Bd db. T
cd d /
c g, d dd
C G, cd
g d d
dw c cd .
F, d d d 2010 E
H B cd U.S. C’
2006 Sc U.S. B d 2007 C
G. A dg
(Dcb 2009), d d
c b bc d wd w wk.
A , -c bd
--d C d b ( 2007
d C U.S. B w cd
dg d d) d 2007 C
G. T C G
cdcd , d cd
d 2007 C G
b b .
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
Bc K/HRE c d,
b g c wg
x ( w z,
g, d d) g. T wg w
K/HRE dg bd b
wk cd b , b
wk, d b . I g,
dg d (c , wk
cb, d c g) wgd b
cd wk. O , c
, wgd b . Scc wg w
cd z HDHP/SO d
w HRA HSA-qd. T wg
d c
g.
Cc wg w c c.
F, bc wg dd, wd b
dj. A
dj, K/HRE cdcd w-
w d
c . T w-
cdcd d dd cc gdg -
c b g . F
w 3–49 wk dd c
ccd d kd ( -kd c
dd q b
g b) w
b. A c, w cdc McN w-
cb g .
I dc cb,
dj d wg d
w ccg . T ,
c w bg cdcg w- ,
dcd wg
q b g b
g d wg w-
w d (c gc dc
<0.05 bw w ), ggg
cb. T, w dd
w- dj wg w . I ,
dj wd
b cg , kg
dj k k w
g w kg c . F
2010, w w g d xcd c
( 60 c 2009 69 c
2010) d c w 3
9 wk ( 46 c 2009 59 c
2010). W kg dj
ddd z cg, wd
b g d dc x cg
dj cb
d b d.
Nx, w d wg d dc
c wg . F, w dd c
g b. W c g, w dd
d d q g wg d
ccd g c d x
q g (M + [6 * IQR]). Wg
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t h e k a i s e r a m i l y o u n d at 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
g c d
c . I c, c
wg w d.
F, w d -c dj. W
d U.S. C B’ 2007 Sc U.S.B b c d -
c dj c,
d w d 2007 C G
b -c bc c .
W c k w
c d, , w
cd wk d
d w -dd dw b
. Hw, d dcg k
c , 2006, w d
kg d dd q b
b c .5 A
2009 cd wk wg g
cd wk w c cg.
T, d c-g
d g wk cd b HMO, PPO,
POS , HDHP/SO. Rg wk cd
b c c cd
wk wg c
d “A P,” c g g
. I c w
c ,
d cdd “A P” g. T
xc w -dd,
wc w . F c, w wg c b cd
wk, cdg c c.
T c w q c
g kd dc
q c c-g
. F x, c
c dg kd
c c dg. Bc
c b (g d c
) c w
, wg b
w cd d cc c cd wk c .
T d zd w SUDAAN,6 wc
c dd b
cg cx dg .7 A
c d 0.05 ,
w d. F g w ,
c cdcd c g w, w d. N
c cdcd 1999.
Sc g bg ( w 25–49
wk, c) d g
z cdd bg ( z NO
cdg w 25–49 wk, x).
d g d d;
x, N cd NO
N ( ggg Mdw,
S, d W). Hw, c
cd c ( x, g
PPO) d g “A P”. I c, w -cc
g (
x, g d HDHP/SO
g g d HMO, PPO,
d POS ); d cc x.
T w c d -
d P C-q .
T b b b,
c b cc w H
Sg Acc H Rb
Ag, d g b d
. T b c g wg, . T d
d b cd wg
g
; w,
c gc.
h i s T o r i C A l D A T A
D c dg
j d b K F
Fd d H Rc & Edc
, wc b cdcd c 1999. P
1999, w cdcd b H
Ic Ac Ac (HIAA) d KPMGg , b d
5 i 2010, 1% cv w cv p.
6 rc tg i (2008). sudaan sw sc a C d, r 10.0, rc
tg P, nC: rc tg i.
7 a tcc spp w c 2010 ep h B sv c b
www..g/c/8085/.c.
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t h e k a i s e r a m i ly 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
b g . Fwg
’ dc 1987, HIAA cdcd
g 1990, b d
b . KPMG cdcd
1991–1998. Hw, 1991, 1992, 1994,
d 1997, g w d. I 1993,1995, 1996, d 1998, KPMG wd b g
d . I 1998, KPMG dd
C d B Pcc, d
d cdd dg
b HRE.
T c d 1993, 1996,
d 1998 KPMG S E-Sd
H B d 1999-2009 K/HRE
S E-Sd H B. F
g- c, w 1988
’ cdcd b HIAA, wc KPMG d K/HRE bd.
T dg .
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
k/hret sv epsp h B, 2010.
s o u r c e :
e x h i B i t m . 1
sc Cc c sv sp, 2010
sp szsp db
a Wgg
Pcg t
Wg sp
irm size
3–9 W 91 2,030,546 59.6%
10–24 W 211 795,120 23.3
25–49 W 170 282,541 8.3
50–199 W 300 211,879 6.2
200–999 W 470 60,925 1.8
1,000–4,999 W 483 17,545 0.5
5,000 m W 321 8,242 0.2
All irm sizes 2,046 3,406,798 100%
regioNn 416 662,248 19.4%
mw 579 776,201 22.8
s 678 1,167,470 34.3
W 373 800,879 23.5
All regioNs 2,046 3,406,798 100%
iNDusTry
agc/mg/Cc 126 421,087 12.4%
mcg 201 209,101 6.1
tp/Cc/u 121 128,114 3.8
W 105 193,150 5.7
r 142 423,924 12.4
c 130 234,153 6.9
svc 893 1,345,065 39.5
s/lc Gv 138 50,587 1.5
h C 190 401,617 11.8
All iNDusTries 2,046 3,406,798 100%
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t h e k a i s e r a m i ly 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
e x h i B i t m . 2
d b ep , W , W Cv b h B , b sz, 2010
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
59.6%
8.3%5.5%
8.3%
23.3%
7.5%
9.4%
7.5%
7.6%
0.2% 0.5%
6.2%1.8%
34.6%
12.9%
13.4%
14.0%
36.9%
14.4%
13.8%
14.3%
n: d b pc q u.s. C B c
(2007) sc u.s. B pv c . s c gv C B’ 2007 C Gv.
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
e x h i B i t m . 3
s b rg, 2010
k/hret sv epsp h B, 2010; 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 d c C b 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
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
C H
Ic
1
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1
Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
C o S t o f h e a l t h i n S u r a n C e
The average annual premiums in 2010 are $5,049 for single coverage and $13,770 for family coverage .
compared To 2009, Th e average premiums are abouT 5% an d 3% higher for single an d family coverage,
respecTively.
smaller firms (3–199 workers) have a lower average family premium ($13,250) Than larger firms (200
or more workers) ($14,038).
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 g c g cg
2010 $421 $5,049 (Exb
1.1). T g c cg $1,147 $13,770 (Exb 1.1).
T g cd wk
HDHP/SO w g d
cg g
cd wk (Exb 1.1).
T g cg
cd wk (3–199 wk)
w g wk g
(200 wk) (Exb 1.2). T
g g cd
wk d g .
Ag g d cd
wk g N d w
S g cd
wk g (Exb 1.3).
P b dg d wkc
b.
Ag g d g
cd wk w
wk cd wk
w (Exb 1.5 d 1.6).
Cd wk w 35%
wk g 50 d g g
g d cd
wk w w cg
wk g 50 d (Exb 1.5 d 1.6).
Ag g d
cd wk -
dd d (Exb
1.5 d 1.6). Hw, g g
(200 wk), w d b, wk
-dd w g d
wk
d b (Exb 1.5 d 1.6).
T g d b d bw
g b g d cg.
S c cd wk
d b g
20% g g
g $5,049, w 20% cd
wk g
80% g g (Exb 1.7 d 1.8).
F cg, 20% cd wk
d
20% g g
$13,770, w 19%
cd wk
80% g
(Exb 1.7 d 1.8).
p r e m i u m C h A N g e s o v e r T i m e
I 2010, g g ($5,049)
5% g g 2009($4,824) d ($13,770) b
3% g g
w d ($13,375) (Exb 1.11).
T $13,770 g
2010 27% g g
2005 d 114% g
g 2000 (Exb 1.11).
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t h e k a i s e r a m i l y o u n d at 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
F d w, g
cd wk (3–199 wk) gc w
g cd wk
g (200 wk). T g
cd wk
d g b
(Exb 1.12).
T g cd
wk d g gw
bw 2005 d 2010 (25%
. 27% g ). Bw
2000 d 2010, g
cd wk cd 103%, cd c
120% wk g (Exb 1.13).
F g (200 wk),
g cd
wk d gw
wk -
dd 2005 2010 (35%
d . 26% -dd ) d
2000 2010 (132% d
. 116% -dd ) (Exb 1.14).
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
exhiBit 1 .1
avg m a P Cv W , sg Cvg, b P
tp, 2010
m a
hmo
sg Cvg $428 $5,130
Cvg $1,177 $14,125
ppo
sg Cvg $427 $5,124
Cvg $1,169 $14,033
pos
sg Cvg $437 $5,239
Cvg $1,101 $13,213
hDhp/so
sg Cvg $373* $4,470*
Cvg $1,032* $12,384*
All plAN Types
sg Cvg $421 $5,049
Cvg $1,147 $13,770
* e c a P (p<.05).
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
exhiBit 1 .2
avg m a P Cv W , b P tp sz, 201 0
m a
sg Cvg Cvg sg Cvg Cvg
hmo
a s (3–199 W) $428 $1,107* $5,133 $13,285*
a lg (200 m W) 427 1,208* 5,129 14,492*
All irm sizes $428 $1,177 $5,130 $14,125
ppo
a s (3–199 W) $431 $1,145 $5,169 $13,735
a lg (200 m W) 425 1,180 5,104 14,161
All irm sizes $427 $1,169 $5,124 $14,033
pos
a s (3–199 W) $429 $1,069 $5,145 $12,825
a lg (200 m W) 450 1,154 5,402 13,850
All irm sizes $437 $1,101 $5,239 $13,213
hDhp/so
a s (3–199 W) $371 $1,002 $4,454 $12,022
a lg (200 m W) 373 1,053 4,482 12,640
All irm sizes $373 $1,032 $4,470 $12,384
All plANs
a s (3–199 W) $420 $1,104* $5,046 $13,250*
a lg (200 m W) 421 1,170* 5,050 14,038*
All irm sizes $421 $1,147 $5,049 $13,770
* e c w p p bw a s a lg (p<.05).
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
exhiBit 1 .3
avg m a P Cv W , b P tp rg, 201 0
m a
sg Cvg Cvg sg Cvg Cvg
hmo
n $480* $1,257* $5,756* $15,082*
mw 421 1,197 5,049 14,364
s 414 1,129 4,972 13,550
W 401* 1,142 4,817* 13,703
All regioNs $428 $1,177 $5,130 $14,125
ppo
n $457* $1,243* $5,484* $14,917*
mw 430 1,204 5,154 14,451
s 404* 1,121* 4,846* 13,448*
W 445 1,157 5,338 13,880
All regioNs $427 $1,169 $5,124 $14,033
pos
n $481* $1,235 $5,776* $14,820
mw 482 1,290* 5,788 15,484*
s 402* 1,029 4,826* 12,347
W 433 1,007 5,197 12,084
All regioNs $437 $1,101 $5,239 $13,213
hDhp/so
n $398 $1,156 $4,779 $13,869
mw 359 985 4,313 11,818s 371 1,029 4,451 12,345
W 372 989 4,459 11,873
All regioNs $373 $1,032 $4,470 $12,384
All plANs
n $457* $1,235* $5,484* $14,815*
mw 417 1,164 5,009 13,973
s 402* 1,103* 4,820* 13,238*
W 421 1,122 5,056 13,463
All regioNs $421 $1,147 $5,049 $13,770
* e c w p p c g (p<.05).
k/hret sv epsp h B, 2010.
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
exhiBit 1 .4
avg m a P Cv W , b P tp i , 2010
m a
sg Cvg Cvg sg Cvg Cvg
hmo
agc/mg/Cc nsd nsd nsd nsd
mcg $395* $1,159 $4,744* $13,911
tp/Cc/
u
412 1,195 4,946 14,336
W nsd nsd nsd nsd
r nsd nsd nsd nsd
c 396 1,169 4,749 14,032
svc 446 1,134 5,348 13,603
s/lc Gv 471 1,269 5,651 15,222
h C 457* 1,290* 5,484* 15,476*
All iNDusTries $428 $1,177 $5,130 $14,125
ppo
agc/mg/Cc $384* $1,073* $4,608* $12,871*
mcg 407 1,171 4,886 14,053
tp/Cc/
u
402* 1,143 4,829* 13,712
W 402 1,158 4,830 13,892
r 399 1,038* 4,794 12,456*
c 427 1,244* 5,119 14,932*
svc 423 1,163 5,079 13,959
s/lc Gv 512* 1,260 6,145* 15,122
h C 484* 1,264 5,811* 15,172
All iNDusTries $427 $1,169 $5,124 $14,033
pos
agc/mg/Cc nsd nsd nsd nsd
mcg nsd nsd nsd nsd
tp/Cc/
u
nsd nsd nsd nsd
W nsd nsd nsd nsd
r nsd nsd nsd nsd
c nsd nsd nsd nsd
svc $443 $1,088 $5,310 $13,055
s/lc Gv nsd nsd nsd nsd
h C nsd nsd nsd nsd
All iNDusTries $437 $1,101 $5,239 $13,213
Continued on next page
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e x h i B i t 1 . 4
avg m a P Cv W , b P tp i , 2010
m a
sg Cvg Cvg sg Cvg Cvg
hDhp/so
agc/mg/Cc nsd nsd nsd nsd
mcg $390 $1,036 $4,685 $12,428
tp/Cc/
u
352 987 4,221 11,847
W 368 1,040 4,419 12,485
r nsd nsd nsd nsd
c 346 999 4,147 11,984
svc 376 1,051 4,517 12,615
s/lc Gv nsd nsd nsd nsd
h C 377 1,041 4,529 12,497
All iNDusTries $373 $1,032 $4,470 $12,384
All plANs
agc/mg/Cc $386* $1,057* $4,628* $12,689*
mcg 402 1,144 4,818 13,729
tp/Cc/
u
397* 1,133 4,763* 13,591
W 399 1,143 4,783 13,712
r 398 1,032* 4,782 12,387*
c 407 1,192 4,883 14,310
svc 423 1,135 5,073 13,619
s/lc Gv 488* 1,224 5,852* 14,684
h C 459* 1,241* 5,507* 14,888*
All iNDusTries $421 $1,147 $5,049 $13,770
* e c w p p c (p<.05).
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
exhiBit 1 .5
avg a P Cv W w sg Cvg, b Cc c , 2010
a s
(3–199 W)
a lg
(200 m
W)
a
Wa l
w W a lwWg (l t 35% e
$23,000 y l)
$5,052 $5,074 $5,067
m W lwWg (35% m e
$23,000 y l)
$4,998 $4,859 $4,907
unn
h a l s u W $5,726 $5,196* $5,263*
d n hv a u W $4,948 $4,926* $4,936*
yn W
l t 35% W a ag 26 yg $5,043 $5,080* $5,067
35% m W a ag 26 yg $5,092 $4,724* $4,827
od W
l t 35% W a ag 50 o $4,825* $4,969* $4,918*
35% m W a ag 50 o $5,466* $5,200* $5,291*
ndn Aannt
i $4,972 $5,286* $5,060
s $5,428 $5,001* $5,041
* e c c w z cg (p<.05).
k/hret sv epsp h B, 2010.
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exhiBit 1 .6
avg a P Cv W w Cvg, b Ccc, 2010
a s
(3–199 W)
a lg
(200 m
W)
a
Wa l
w W a lwWg (l t 35% e
$23,000 y l)
$13,358 $14,021 $13,795
m W lwWg (35% m e
$23,000 y l)
$12,411 $14,174 $13,567
unn
h a l s u W $14,858* $14,249 $14,327*
d n hv a u W $13,010* $13,857 $13,472*
yn W
l t 35% W a ag 26 yg $13,241 $14,113* $13,811
35% m W a ag 26 yg $13,406 $13,195* $13,252
od W
l t 35% W a ag 50 o $12,908* $13,791* $13,489*
35% m W a ag 50 o $13,888* $14,490* $14,286*
ndn Aannt
i $13,203 $14,678* $13,626
s $13,493 $13,903* $13,865
* e c c w z cg (p<.05).
k/hret sv epsp h B, 2010.
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e x h i B i t 1 . 7
d b a P sg Cvg rv avg a
sg P, 2010
Family Coverage
Single Coverage 20% 16% 21% 16% 10% 17%
19% 18% 14% 18% 12% 20%
$5,049
$13,770
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 OR EQUAL TO 120% OF AVERAGE
>=$6,058<$4,039
>=$16,524<$11,016
k/hret sv epsp h B, 2010.
s o u r c e :
e x h i B i t 1 . 8
d b P sg Cvg rv avg a sg
P, 2010
sg Cvg Cvg
P rg, rv
avg P
P rg,
d a
Pc Cv
W rg
P rg,
d a
Pc Cv
W rg
l 80% l t $4,039 20% l t $11,016 19%
80% l t 90% $4,039 <$4,544 16% $11,016 <$12,393 18%
90% l t avg $4,544 <$5,049 21% $12,393 <$13,770 14%
avg l t 110% $5,049 <$5,554 16% $13,770 <$15,147 18%
110% l t 120% $5,554 <$6,058 10% $15,147 <$16,524 12%
120% m $6,058 m 17% $16,524 m 20%
n: t vg p $5,049 g cvg $13,770 cvg. t p b
v vg g p. p, $4,039 80% vg g p, $4,544
90% vg g p, $5,554 110% vg g p, $6,058 120%
vg g p. t b p v vg b
cvg.
k/hret sv epsp h B, 2010.
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e x h i B i t 1 . 9
d b a P Cv W w sg Cvg, 2010
e x h i B i t 1 . 1 0
d b a P Cv W w Cvg, 2010
0%
10%
20%
30%
40%
50%
Average: $5,049
<1%0%
3%
16%
34%
28%
11%
4% 4%
LESS THAN
$1,000
$1,000
$1,999
$2,000
$2,999
$3,000
$3,999
$4,000
$4,999
$5,000
$5,999
$6,000
$6,999
$7,000
$7,999
$8,000
OR MORE
Percentage of Covered Workers:
Average: $13,770
LESS THAN
$6,000
$6,000
$7,999
$8,000
$9,999
$10,000
$11,999
$12,000
$13,999
$14,000
$15,999
$16,000
$17,999
$18,000
$19,999
$20,000
OR MORE
Percentage of Covered Workers:
0%
10%
20%
30%
40%
50%
1%3%
10%
18%
23% 22%
13%
7%
4%
k/hret sv epsp h B, 2010.
s o u r c e :
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000
SINGLE COVERAGE
FAMILY COVERAGE
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
$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*
$5,049*
$13,770*
e x h i B i t 1 . 1 1
avg a P sg Cvg, 1999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
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t h e k a i s e r a m i ly 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
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
ALL LARGE FIRMS
200 OR MORE WORKERS
ALL SMALL FIRMS
3199 WORKERS
1999 2000 2001 2002 2003 2004 2005 2006 2007 2009 20102008
$13,250
$5,845
$5,683
$6,521*
$6,395*
$7,113*
$6,959*
$8,109*
$7,781*
$9,127*
$8,946*
$10,046*
$9,737*
$11,025*
$10,587*
$11,575*
$11,306*
$12,233*
$12,973*
$11,835$12,091
$14,038
$12,696
$13,704*
e x h i B i t 1 . 1 3
avg a P Cv W w Cvg, b sz, 1 999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
e x h i B i t 1 . 1 2
avg a P Cv W w Cvg, b sz, 1 999–2010
* e c bw a s a lg w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
a s (3–199 W) a lg (200 m W)
1999 $5,683 $5,845
2000 $6,521 $6,395
2001 $6,959 $7,113
2002* $7,781 $8,109
2003 $8,946 $9,127
2004 $9,737 $10,046
2005* $10,587 $11,025
2006 $11,306 $11,575
2007 $11,835 $12,233
2008* $12,091 $12,973
2009* $12,696 $13,704
2010* $13,250 $14,038
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e x h i B i t 1 . 1 4
ag W lg (200 m W) , avg h ic P
Cvg, b g ag, 1999– 2010
* e c pv w (p<.05).
n: s i P, c sc 10. d
cg v q, g w w cv p 2006.
t, cv p g c b 2006.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
g ag i s
1999 $5,769 $5,896
2000 $6,315* $6,430*
2001 $7,169* $7,086*
2002 $7,950* $8,192*
2003 $9,070* $9,149*
2004 $10,217* $9,984*
2005 $10,870* $11,077*
2006 $11,222 $11,673*
2007 $11,968* $12,315*
2008 $13,029* $12,956*
2009 $13,870* $13,655*
2010 $14,678* $13,903
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
HB
O R
22
HB
O R
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h e a lt h B e n e f i t S o f f e r r at e S
nearly all large firms (200 or more workers) offer healTh benefiTs ; small firms (3–199 workers) are
significanTly less likely To do so.
The percenTage of firms offering healTh benefiTs in 2010 increased significanTly from 2009. The reason
for Th e increase is unclear, bu T iT is primarily driven by a 13 percenTage poinT jump in The percenTage of
firms wiTh 3 To 9 employees offering coverage, from 46% in 2009 To 59% in 2010. we have seen some
flucTuaTion in This caTegory in The pasT bu T never of This magniTude. The offer raTe reflecTs informaTion
abouT firms ThaT ar e sTill in business in 2010 an d does no T accounT fo r firms ThaT have gone ou T of
business du e To The economic recession. a possible explanaTion for Th e increase in The offer raTe is ThaT
non -offering firms were more likely To fail during The pasT year, an d The aTTriTion of non -offering firms
led To a higher offer raTe among surviving firms. for more discussion of Th e offer raTe, see The survey
design an d meThods secTion. because mosT workers are employed by large firms, The change in offering
among The smallesT firms di d noT have a dramaTic effecT on Th e percenTage of workers in firms offering
healTh benefiTs (93 percenT in 2010 vs . 91 percenT in 2009).
I 2010, x- c
b, wc c d
60% d 2009 (Exb 2.1).
N- c g (200
wk) b 2010,
c d 2009 (Exb 2.2).
I c, 68% (3–199 wk)
b 2010, c
gc c 59% d 2009.
Bw 1999 d 2010, g
(200 wk) dd bw
98%. Ag (3–199 wk),
d g 68% 2000,
2001 d 2010, w 59% 2005, 2007
d 2009. T d
b cg cg
(3–9 wk) g b.
O c d . T k
c. F- c w 3
9 wk cg, cd 76%
w 10 24 wk, 92% w
25 49 wk (Exb 2.3), d 95%
w 50 .
F w w w-wg wk (
35% wk $23,000 )
gc k
c w w-wg
wk (35% wk $23,000
). S- c
w w w-wg wk b, cd w 48% w
w-wg wk (Exb 2.4).
F wk
c k w
wk b
. N- c w
wk b,
cd 67% d
(Exb 2.4).
T g wkc gc c
bb g b
w. F w 35% wk g26 g k
b w 35%
wk g 26 g (31% d 73%,
c) (Exb 2.4).
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t h e k a i s e r a m i l y o u n d at 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
Ag g b, w
b - d wk.
I 2010, 25% b
- wk (Exb 2.5).
F w 200 wk k
b -
w 3 199 wk (42% . 24%).
A cg (2%) g
b wk (Exb
2.6), d g d b .
F w 200 wk k
b wk
w 3 199 wk (7% . 1%).
D e N T A l A N D v i s i o N b e N e i T s
F- c g b
cb d c b
d
cg g cd. T
c d 44% d 2008,
wc w kd b d b
(Exb 2.8). Lg (200 wk)
k (3–199 wk)
cb d b,
87% 45% (Exb 2.7).
Eg c cb
b
cg g
cd, 17% d 2008, wc
w kd b b
(Exb 2.8). Lg (200 wk)
c k (3–199 wk)
cb c b,
55% 17% (Exb 2.7).
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 k d
b d c d
c c , w
d g d c cc
dw, d b
g. Bc c cg
g (200 wk) g
b, w
w 3 199 wk, 32% wc d
b.
D wg c c gw
c , c c
cd b g
b.1
Ag (3–199 wk) g
b, 54% c g c “
” dg . O c
q cd b
g cg cd:
(12%) d cd
w (6%) (Exb 2.9).
M -g d
b , d
cg c.
w- c -g
(3–199 wk) d b
, w 30% d
cg (Exb 2.10). F-
c d g
w d dg d
cc dw.
1 t q g g p g b p q.
n o T e :
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e x h i B i t 2 . 1
Pcg o g h B , 1999–2010
* e c pv w (p<.05).
n: a sv dg m c, p b b p b
cp v w j q b w b.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
* e c pv w (p<.05).
n: a sv dg m c, p b b p b
cp v w j q b w b.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
1999 2000 2001 2002 2003 2004 2005 2006 2010200920082007
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
66%69% 68%
66% 66%63%
60% 61%63%
69%*
60%60%
e x h i B i t 2 . 2
Pcg o g h B , b sz, 1999–2 010
irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–9 W 56% 57% 58% 58% 55% 52% 47% 48% 45% 49% 46% 59%*
10–24 W 74 80 77 70* 76 74 72 73 76 78 72 76
25–49 W 86 91 90 86 84 87 87 87 83 90* 87 92
50–199 W 97 97 96 95 95 92 93 92 94 94 95 95
A sa (3–199 W) 65% 68% 68% 66% 65% 63% 59% 60% 59% 62% 59% 68%*
A la (200 m W) 99% 99% 99% 98% 98% 99% 98% 98% 99% 99% 98% 99%
All irms 66% 69% 68% 66% 66% 63% 60% 61% 60% 63% 60% 69%*
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exhiBit 2 .3
Pcg o g h B , b sz, rg, i , 2010
Pcg og
h B
irm size
3–9 W 59%*
10–24 W 76*
25–49 W 92*
50–199 W 95*
200–999 W 98*
1,000–4,999 W 99*
5,000 m W 99*
A sa (3–199 W) 68%*
A la (200 m W) 99%*
regioN
n 78%*
mw 63
s 67
W 70
iNDusTry
agc/mg/Cc 67%
mcg 78
tp/Cc/u 85
W 79
r 57
c 71
svc 72s/lc Gv 72
h C 57*
All irms 69%
* e c c z, g, cg (p<.05).
n: a sv dg m c, p b b p b
cp v w j q b w b.
k/hret sv epsp h B, 2010.
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e x h i B i t 2 . 4
Pcg o g h B , b Cc c , 20 10
* e c c w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
FIRM DOES NOT HAVE ANY UNION WORKERS
FIRM HAS AT LEAST SOME UNION WORKERS
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS
MANY WORKERS ARE LOWERWAGE 35% OR
MORE EARN $23,000 A YEAR OR LESS
FEW WORKERS ARE PARTTIME
LESS THAN 35% WORK PARTTIME
MANY WORKERS ARE PARTTIME
35% OR MORE WORK PARTTIME
WAGE LEVEL*
PARTTIME WORKERS
UNIONS*
35% OR MORE WORKERS
ARE AGE 26 OR YOUNGER
LESS THAN 35% OF WORKERS
ARE AGE 26 OR YOUNGER
YOUNGER WORKERS*
35% OR MORE WORKERS
ARE AGE 50 OR OLDER
LESS THAN 35% OF WORKERS
ARE AGE 50 OR OLDER
OLDER WORKERS
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
67%
73%
31%
66%
72%
94%
60%
71%
48%
74%
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t h e k a i s e r a m i ly 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
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
e x h i B i t 2 . 5
ag og h B , Pcg t o h B Pt W,
b sz, 1999–2010
e x h i B i t 2 . 6
ag o g h B , Pcg t o h B tp
W , b sz, 1999–2010
irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–24 W 19% 21% 17% 21% 24% 20% 27% 30% 23% 22% 31% 24%
25–199 W 26 25 31 29 29 29 29 28 26 30 27 28
200–999 W 36 33 42 43 38 41 33 40 37 40 44 35*
1,000–4,999 W 53 48 55 60 57 50 46 55 54 53 55 55
5,000 m W 61 52 60 58 57 59 61 63 63 67 60 61
All irms 21% 23% 21% 24% 26% 23% 28% 31% 24% 25% 31% 25%
irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–24 W 5% 2% 4% 3% 1% 4% 2% 3% 2% 3% 4% 1%
25–199 W 3 7 3 4 3 3 5 4 4 3 3 4200–999 W 3 8 6 5 9 8 5 5 7 4 4 6
1,000–4,999 W 6 8 9 8 7 6 5 9 9 7 7 8
5,000 m W 8 9 7 7 10 7 9 11 6* 8 9 8
All irms 4% 4% 4% 3% 2% 4% 3% 3% 2% 3% 3% 2%
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2
Eple Helth Beeft 2010 Anna s
42
t h e k a i s e r a m i ly 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
e x h i B i t 2 . 7
ag o g h B , Pcg t o Cb sp B
P Pvg d V B , b sz r g, 2010
* e c c z g cg (p<.05).
n: t v b cb v c pg p
v cvg p g c.
k/hret sv epsp h B, 2010.
s o u r c e :
sp d B sp V B
irm size
200–999 W 87%* 51%*
1,000–4,999 W 88* 64*
5,000 m W 90* 68*
A sa (3–199 W) 45%* 17%*
A la (200 m W) 87%* 55%*
regioN
n 49% 13%
mw 41 11*
s 56 19
W 36 27
All irms 47% 18%
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Eple Helth Beeft 2010 Anna s
43
t h e k a i s e r a m i ly 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
e x h i B i t 2 . 8
ag o g h B , Pcg t o Cb sp B
P Pvg d V B , b sz, 2000–2010
* e c pv w (p<.05).
n: d v b w cc 2000 2003. t v b
cb v c pg p v cvg p g c.
k/hret sv epsp h B, 2000–2010.
s o u r c e :
2000 2003 2006 2008 2010
Dnta bnt
a s (3–199 w) 30% 37% 49%* 43% 45%
a lg (200 m W) 62 79* 80 82 87*
A 31% 39% 50%* 44% 47%
vn bnt
a s (3–199 w) — — 20% 15% 17%
a lg (200 m W) — — 44 49 55*
A — — 21% 17% 18%
e x h i B i t 2 . 9
ag s (3–199 W) n o g h B , r n o g, 2010
m ip r
C c g 54%
t 12
ep g cv p 6
ep v g 5
n /ep ' w 4
o 8
d’ w 11
n: t q g g p g b p q.
k/hret sv epsp h B, 2010.
s o u r c e :
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2
Eple Helth Beeft 2010 Anna s
44
t h e k a i s e r a m i ly 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
exhiBit 2 .1 0
ag s (3–199 W) n o g h B , Pcg t rp
wg acv rgg h B , b sz, 2010
OFFERED HEALTH INSURANCE
WITHIN THE PAST FIVE YEARS
SHOPPED FOR HEALTH INSURANCE
WITHIN THE PAST YEAR
STOPPED OFFERING HEALTH INSURANCE
DUE TO ECONOMIC DOWNTURN‡
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
27%30%
47%
‡ ag w p g c w p v .
k/hret sv epsp h B, 2010.
s o u r c e :
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
E
Cg,
Egb, d
Pc
3
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Eple Helth Beeft 2010 Anna s
h
3
46
t h e k a i s e r a m i ly 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
e M p lo 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
employers ar e Th e principal source of healTh insurance in Th e uniTed sTaTes, providing healTh benefiTs
fo r abouT 15 7 million nonelderly people in america .1 mos T workers are offered healTh coverage aT
work , and The vasT majoriTy of workers wh o are offered coverage Take iT . workers may no T be covered
by Their own employer for several reasons: Their employer may noT offer coverage , They may be ineligible
for benefiTs offered by Their firm, They may choose To elecT coverage Through Their spouse’s employer, or
They may refuse an offer of coverage from Their firm.
Ag g b, 63% c
wk cd b b g
w (Exb 3.2). T cg
dcd 59% w cdg wk,gd w g
b (Exb 3.1). T cg
d b .
N gb b
d b , d gb
w d cg k
cg. T wk cd
dc b cg wk w
gb ’ c d
cg w c “k ” (.., c
c ) b.
S- c wk g b gb cg
d b 2010,
(Exb 3.2).
Egb cdb b wg .
E w w
w-wg wk ( 35% wk
$23,000 ) k
b gb b
w g w-
wg wk (w 35% wk
$23,000 ) (81% . 68%)
(Exb 3.3).
E w d cg g
g c k cg. Eg
c gb wk k cg w
d , 81% d (Exb 3.2).2
T kd wk ccg ’
cg b wg . Egb
w w
w-wg wk k k
cg (82%) gb
w g w-wg wk
(35% wk $23,000
) (69%) (Exb 3.4).
T cg b c
ccc.
T gc cg
b d g wk g
b. F x, -g
c wk cd b
b d b , cd
80% wk d c g,
76% wk cg d,
d 74% wk /
cc/ d cg
(Exb 3.2).
1 k , k C mc u, t u: a P, ocb 2009.
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 :
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Eple Helth Beeft 2010 Anna s
47
t h e k a i s e r a m i l y o u n d at 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
Ag wk g b,
w w -wk ( 35% wk -)
c k b cd b
w wk w g
cg - wk (70% . 38%)
(Exb 3.5).
Ag wk g b,
w w w-wg wk
( 35% wk $23,000
) k b cd b
w wk w
w-wg wk (35% wk
$23,000 ) (66% . 47%)(Exb 3.5).
Ag wk g b,
w w g wk (
35% wk g 26 g)
k b cd b w
wk w g wk
(35% wk g 26 g)
(66% . 44%) (Exb 3.5).
S- c cd wk c
wg d b cg b. Cd
wk N k (64%)
wk g c wg d.
Cd wk (90%), c (86%),
d gc/g/cc (85%)
k wk d
c wg d (Exb 3.7).
T g wg d g cd
wk w c wg d 2.2 (Exb 3.7). T- c cd
wk c wg d 3
(Exb 3.8).
T db cd wk cg
g cg, g cg,
cg 47%, 19%, d 34% c
2010 (Exb 3.9). Wk (3–199
wk) gc k
g cg d k
cg wk g (200
wk), 55% 42% g
cg d 30% 36% cg(Exb 3.10).
T kd b g wc
dd d dd w -
d g gb cg
w g .
F-w c g wc
dd g gb dd
cg 18 19 d, d 19%
g 20 21 g (Exb 3.11).
F dd w - d,
g g g. Sx-x c g wc - d
g gb dd cg 24
d (Exb 3.12).3
3 avg b c 1% w g wc p g gb
cvg p w g , 2% v p .
n o T e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
h
3
* t c c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
e x h i B i t 3 . 1
Pcg a W Cv b t ep ’ h B , B o g
n o g h B , b sz, 1999–2010*
irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–24 W 50% 50% 49% 45% 44% 43% 41% 45% 42% 43% 39% 44%
25–49 W 56 63 62 57 59 56 55 55 51 57 54 59
50–199 W 61 62 67 64 61 56 59 62 59 60 59 60
200–999 W 69 69 71 69 68 69 65 66 65 67 63 61
1,000–4,999 W 68 68 69 70 69 68 69 68 69 69 67 66
5,000 m W 64 66 69 68 68 67 66 60 63 64 65 63
A sa (3–199 W) 55% 57% 58% 54% 53% 50% 50% 53% 50% 52 % 4 9% 5 2%
A la (200 m W) 66% 67% 69% 69% 68% 68% 66% 63% 65% 66% 65% 63%
All irms 62% 63% 65% 63% 62% 61% 60% 59% 59% 60% 59% 59%
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Eple Helth Beeft 2010 Anna s
49
t h e k a i s e r a m i ly 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
e x h i B i t 3 . 2
e gb , tup r, Cvg o g h B , b sz, rg,
i , 2010
* e gb, p , cvg c c z,g, cg (p<.05).
n: i 2009, k/hret bg wgg pcg w p cvg b b
w gb cvg. s sv dg m sc .
k/hret sv epsp h B, 2010.
s o u r c e :
Pcg
W egb h B
o b t
ep
Pcg
egb WW Pcp
t ep’
P (tup r)
Pcg
W Cvb t ep’
h B
irm size
3–24 W 83% 76%* 63%
25–49 W 84* 77 64
50–199 W 80 79 63
200–999 W 76 81 62
1,000–4,999 W 80 83* 66
5,000 m W 76 82 63
A sa (3–199 W) 82%* 77%* 63%
A la (200 m W) 77%* 82%* 63%
regioN
n 78% 83%* 64%
mw 78 80 62
s 80 79 63
W 79 81 64
iNDusTry
agc/mg/Cc 83% 77% 65%
mcg 92* 83 76*
tp/Cc/u 87* 85* 74*
W 78 83 66
r 63* 75 48*
c 90* 82 74*
svc 74* 77 57*
s/lc Gv 86* 93* 80*
h C 77 79 61
All irms 79% 80% 63%
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Eple Helth Beeft 2010 Anna s
50
t h e k a i s e r a m i ly 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
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 , 2010
* e c c w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
FIRM DOES NOT HAVE ANY UNION WORKERS
FIRM HAS AT LEAST SOME UNION WORKERS
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS
MANY WORKERS ARE LOWERWAGE 35% OR
MORE EARN $23,000 A YEAR OR LESS
FEW WORKERS ARE PARTTIME
LESS THAN 35% WORK PARTTIME
MANY WORKERS ARE PARTTIME
35% OR MORE WORK PARTTIME
WAGE LEVEL*
PARTTIME WORKERS*
UNIONS
35% OR MORE WORKERS
ARE AGE 26 OR YOUNGER
LESS THAN 35% OF WORKERS
ARE AGE 26 OR YOUNGER
YOUNGER WORKERS*
35% OR MORE WORKERS
ARE AGE 50 OR OLDER
LESS THAN 35% OF WORKERS
ARE AGE 50 OR OLDER
OLDER WORKERS
78%
81%
60%
78%
80%
80%
53%
85%
68%
81%
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
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 , 2010
* e c c w cg (p<.05).
n: i 2009, k/hret bg wgg pcg w p cvg b b
w gb cvg. s sv dg m sc .
k/hret sv epsp h B, 2010.
s o u r c e :
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
FIRM DOES NOT HAVE ANY UNION WORKERS
FIRM HAS AT LEAST SOME UNION WORKERS
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS
MANY WORKERS ARE LOWERWAGE 35% OR
MORE EARN $23,000 A YEAR OR LESS
FEW WORKERS ARE PARTTIME
LESS THAN 35% WORK PARTTIME
MANY WORKERS ARE PARTTIME
35% OR MORE WORK PARTTIME
WAGE LEVEL*
PARTTIME WORKERS
UNIONS*
35% OR MORE WORKERS
ARE AGE 26 OR YOUNGER
LESS THAN 35% OF WORKERS
ARE AGE 26 OR YOUNGER
YOUNGER WORKERS*
35% OR MORE WORKERS
ARE AGE 50 OR OLDER
LESS THAN 35% OF WORKERS
ARE AGE 50 OR OLDER
OLDER WORKERS
78%
81%
73%
79%
82%
85%
70%
82%
69%
82%
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Eple Helth Beeft 2010 Anna s
52
t h e k a i s e r a m i ly 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
h
3
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 , 2010
* e c c w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
FIRM DOES NOT HAVE ANY UNION WORKERS
FIRM HAS AT LEAST SOME UNION WORKERS
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS
MANY WORKERS ARE LOWERWAGE 35% OR
MORE EARN $23,000 A YEAR OR LESS
FEW WORKERS ARE PARTTIME
LESS THAN 35% WORK PARTTIME
MANY WORKERS ARE PARTTIME
35% OR MORE WORK PARTTIME
WAGE LEVEL*
PARTTIME WORKERS*
UNIONS*
35% OR MORE WORKERS
ARE AGE 26 OR YOUNGER
LESS THAN 35% OF WORKERS
ARE AGE 26 OR YOUNGER
YOUNGER WORKERS*
35% OR MORE WORKERS
ARE AGE 50 OR OLDER
LESS THAN 35% OF WORKERS
ARE AGE 50 OR OLDER
OLDER WORKERS
61%
66%
44%
62%
65%
68%
38%
70%
47%
66%
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
* e c pv w (p<.05).
n: 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 .
k/hret sv epsp h B, 1999–2010.
s o u r c e :
e x h i B i t 3 . 6
e gb , tup r , Cvg W o g h B , b sz,
1999–2010
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
pcnta ea s (3–199 W) 81% 82% 85% 82%* 84% 80% 81% 83% 80% 81% 81% 82%
a lg (200 m W) 78 80 82 80 80 81 79 76 78 79 79 77
All irms 79% 81% 83% 81%* 81% 80% 80% 78% 79% 80% 79% 79%
pcnta e tat Ta u
a s (3–199 W) 83% 83% 83% 82% 81% 80% 81% 81% 80% 80% 79% 77%
a lg (200 m W) 86 84 85 86 85 84 85 84 84 84 82 82
All irms 85% 84% 84% 85% 84% 83% 83% 83% 82% 82% 81% 80%
pcnta Cd
a s (3–199 W) 67% 68% 71% 67% 68% 64% 65% 67% 64% 65% 64% 63%
a lg (200 m W) 66 67 69 69 68 68 67 63 65 66 65 63
All irms 66% 68% 70% 68% 68% 67% 66% 65% 65% 65% 65% 63%
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Eple Helth Beeft 2010 Anna s
54
t h e k a i s e r a m i ly 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
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 , 2010
* e c c z, g, cg (p<.05).
sc: k/hret sv epsp h B, 2010.
s o u r c e :
Pcg Cv W
w Wg P
ag Cv W
w Wg P, avgWg P (m)
irm size
a s (3–199 W) 76% 2.5*
a lg (200 m W) 73 2.0*
regioN
n 64%* 2.1
mw 74 2.0*
s 78 2.3
W 77 2.4
iNDusTry
agc/mg/Cc 85%* 2.8*mcg 71 2.3
tp/Cc/u 64 2.2
W 77 2.2
r 90* 2.8*
c 73 1.9
svc 67* 2.2
s/lc Gv 70 1.7*
h C 86* 1.9*
All irms 74% 2.2
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Employer Health Benefts 2010 Annual Survey
55
T h e K a i s e r F a m i ly 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
NO WAITING
PERIOD
1 MONTH
ALL LARGE FIRMS
200 OR MORE
WORKERS*
ALL SMALL FIRMS
3−199 WORKERS*
ALL FIRMS
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
8%
7%
7%
26% 8% 34%
34% 13% 18%
31% 11% 24%
24%
27%
26%
2 MONTHS
3 MONTHS
4 OR MORE MONTHS
e x h i b i T 3 . 8
dt t cv Wk wt t F wg Wtg P cvg, 2010
* dtt ttt t tw a lg F a s F (p<.05).
K/hreT sv epsp ht bft, 2010.
s o u r c e :
e x h i b i T 3 . 9
dt t cv Wk etg sg cvg, sg P o cvg, F
cvg, 2001–2010*
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
2005
2008
2010
2006
2003
2001
SINGLE COVERAGE
SINGLE PLUS ONE COVERAGE
FAMILY COVERAGE
16%45%
45% 14%
45% 17%
39%
41%
38%
44% 18% 38%
46% 19% 36%
47% 19% 34%
* Tt ttt tt pv w (p<.05).
nt: sg P o vg t p p p p p .
K/hreT sv epsp ht bft, 2001–2010.
s o u r c e :
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Employer Health Benefts 2010 Annual Survey
56
T h e K a i s e r F a m i ly 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
h
3
e x h i b i T 3 . 1 0
dt t cv Wk etg sg cvg, sg P o cvg, F
cvg, F sz, 2001–2010*
* Tt ttt wt z tg tt pv
w (p<.05).
nt: sg P o vg t p p p p p .
K/hreT sv epsp ht bft, 2001–2010.
s o u r c e :
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS200 OR MORE WORKERS
SINGLE COVERAGE
SINGLE PLUS ONE COVERAGE
FAMILY COVERAGE
2005
2008
2010
2006
2003
2001
18%41%
41% 16%
40% 19%
41%
43%
41%
40% 20% 40%
42% 21% 38%
42% 21% 36%
2005
2008
2010
2006
2003
2001
13%54%
51% 10%
54% 13%
33%
39%
32%
51% 15% 34%
53% 14% 32%
55% 15% 30%
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Employer Health Benefts 2010 Annual Survey
57
T h e K a i s e r F a m i ly 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
18 OR 19 YEARS OLD
20 OR 21 YEARS OLD
22 OR 23 YEARS OLD
24 OR 25 YEARS OLD
26 YEARS OLD OR MORE
ALL LARGE FIRMS
200 OR MORE
WORKERS*
ALL SMALL FIRMS3−199 WORKERS*
ALL FIRMS
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
12%
9%
12%
20% 4% 12%
5% 5% 14%
19% 4% 12%
52%
67%
52%
18 OR 19 YEARS OLD
20 OR 21 YEARS OLD
22 OR 23 YEARS OLD
24 OR 25 YEARS OLD
26 YEARS OLD OR MORE
ALL LARGE FIRMS
200 OR MORE
WORKERS
ALL SMALL FIRMS
3−199 WORKERS
ALL FIRMS
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
21%
19%
21%
22%6% 44%
21% 57%
<1%
22% 45%
6%
3%
6% 6%
e x h i b i T 3 . 1 1
dt t F wt t F wg ag lt dpt cvg t P wt t
lgt e t, 2010
e x h i b i T 3 . 1 2
dt t F wt t F wg ag lt dpt cvg F T
stt t P wt t lgt e t, 2010*
* dtt ttt t tw a lg F a s F (p<.05).
nt: dtt t f (1%) wt t t g t w pt g
g vg t p wt t gt t.
K/hreT sv epsp ht bft, 2010.
s o u r c e :
* Tt ttt tw tt a lg F a s F (p<.05).
nt: dtt t f (2%) wt t t g t w pt w
t tt g g vg t p wt t gt t.
K/hreT sv epsp ht bft, 2010.
s o u r c e :
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
P
Od
4
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Eple Helth Beeft 2010 Anna s
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4
60
t h e k a i s e r a m i ly 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 y p e S o f p l a n S o f f e r e D
mosT firms ThaT offer healTh benefiTs offer only one Type of healTh plan (84%) (see Tex T box). larger
firms are more likely To offer more Than on e Type of healTh plan. employers ar e mosT likely To offer
Their workers a ppo, hmo, or pos plan and are leasT likely To offer a convenTional plan.
Eg- c g b
. Lg (200
wk) k
(3–199 wk):
44% . 15% (Exb 4.1).
J (52%) cd wk
d
. Sx- c cd wk g d b
, cd 24%
(Exb 4.2).
Ab (79%) cd wk
g b wk
PPO; 42% wk
HMO; 32% wk
HDHP/SO; 14% wk
POS ; d 6% wk
c (Exb 4.4).1
T k w c g
. Hw, w d kw c
d cd wk
. F x, wk g b d
c, w wk
c d d .
1 t w c p p v cv w p p.
n o T e :
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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, 2010 ‡
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
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
2%
7%
14%
31%
11%
2%
13%
31%
41%
39%
34%
14%
85%
63%
45%
29%
56%
84%
* db c b c z
cg (p<.05).
‡ ag c p p, v w
g wg p: cv, hmo, PPo, Pos, hdhP/so.
n: t v w p c gv p . hwv, w
w c p p cv w . p, w
g b p p c, w c
p p.
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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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, 2010 ‡
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
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
3%
7%
16%
34%
25%
17%
21%
35%
42%
45%
42%
35%
76%
58%
43%
20%
33%
48%
* db c b c z
cg (p<.05).
‡ ag c p p, v w
g wg p: cv, hmo, PPo, Pos, hdhP/so.
n: t v w p c gv p . hwv, w
w c p p cv w . p, w
g b p p c, w c
p p.
k/hret sv epsp h B, 2010.
s o u r c e :
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e x h i B i t 4 . 3
ag o g h B , Pcg t o wg P tp, b
sz, 2010
e x h i B i t 4 . 4
ag o g h B , Pcg Cv W t o
wg P tp, b sz, 2010
* e c w p p c z cg (p<.05).
n: t v w p c gv p . hwv, w w c p p
cv w . p, w g b p p c, w w
c p p.
k/hret sv epsp h B, 2010.
s o u r c e :
* e c w p p c z cg (p<.05).
n: t v w p c gv p . hwv, w w c p p
cv w . p, w g b p p c, w w
c p p.
k/hret sv epsp h B, 2010.
s o u r c e :
Cv hmo PPo Pos hdhP/so
irm sizes
200–999 W 3% 27% 80%* 13%* 21%
1,000–4,999 W 5* 39* 89* 8* 30*
5,000 m W 7* 55* 93* 11* 41*
A sa (3–199 W) 2% 24% 51%* 25%* 15%*
A la (200 m W) 3% 32% 83%* 12%* 25%*
All irms 2% 24% 53% 25% 15%
Cv hmo PPo Pos hdhP/so
irm sizes
200–999 W 2% 31%* 84% 10%* 23%*
1,000–4,999 W 4 40 90* 7* 33
5,000 m W 11* 64* 88* 14 45*
A sa (3–199 W) 2%* 23%* 62%* 20%* 22%*
A la (200 m W) 8%* 52%* 88%* 12%* 38%*
All irms 6% 42% 79% 14% 32%
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
MkS
H P
5
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Eple Helth Beeft 2010 Anna s
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5
66
t h e k a i s e r a m i ly 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
M a r k e t S h a r e S o f h e a lt h p l a n S
enrollmenT remains highesT in ppos, wiTh more Than half of covered workers, followed by hmos, pos
plans, hdhp/sos, an d convenTional plans.
F-g c cd wk d
PPO, wd b HMO (19%), HDHP/SO
(13%), POS (8%), d c
(1%) (Exb 5.1).
E HDHP/SO 13% cd
wk 2010, 8% 2009 (Exb 5.1).
P b z. Wk
g (200 wk) k
wk (3–199 wk)
PPO (63% . 51%). Wk
k wk g
POS (15% . 5%) (Exb 5.2).
P d c g.
HMO gc g
W (33%) d N (26%) d
gc w S (12%) d
Mdw (11%) (Exb 5.2).
Wk S (67%) k
b d PPO wk
g; wk W (47%) k
b d PPO (Exb 5.2).
E HDHP/SO g g
wk Mdw (20%)
g (Exb 5.2).
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e x h i B i t 5 . 1
d b h P e Cv W , b P tp, 1988–2010
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%
73%
46%
27%
10%
8%
7%
4%
5% 24%
5% 25%
3% 21%
3% 20%
3% 21%
2% 20%
1% 20%
2010* 1% 19% 8%
27%
24%
29%
28%
21%
16%
28% 14%
54% 17%
55% 15%
61% 15%
60% 13% 4%
57% 13% 5%
58% 12% 8%
60% 10% 8%
58% 13%
52% 18%
46% 23%
42% 21%
39% 24%
26% 7%
11%
* db c pv w (p<.05). n c w
cc p 1999. n c cc bw 2005 2006
hdhP/so w p p 2006.
n: i w b Pos p 1988. a p cg p p
2005 bb cpg c C B
b c gv w vg w wg. s
sv dg m sc 2005 k/hret sv epsp h
B .
k/hret sv epsp h B, 1999–2010; kPmG sv ep
sp h B, 1993, 1996; t h ic ac ac (hiaa), 1988.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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f
5
e x h i B i t 5 . 2
db h P e Cv W, b sz, rg, i , 2010
* e c w p p c z, g,
cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
Cv hmo PPo Pos hdhP/so
irm size
3–24 W 1% 20% 47%* 16%* 16%
25–49 W 1 12* 54 13 19
50–199 W 1 18 52 14* 15
200–999 W 1 20 63 6 10
1,000–4,999 W 1 18 67* 3* 10
5,000 m W 1 21 61 4* 13
A sa (3–199 W) 1% 18% 51%* 15%* 16%
A la (200 m W) 1% 21% 63%* 5%* 12%
regioN
n 1% 26%* 53% 8% 13%
mw 1 11* 62 6 20*
s 1 12* 67* 10 10
W 1 33* 47* 7 12
iNDusTry
agc/mg/Cc 1% 14% 57% 9% 18%
mcg <1* 14* 68* 5 12
tp/Cc/
u
1 21 65 5 8
W <1* 11* 61 7 21
r 2 13 63 11 10
c 1 28 52 3* 16
svc 1 21 56 8 14
s/lc Gv 1 17 57 17 8
h C 2 27 50* 9 13
All irms 1% 19% 58% 8% 13%
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
Wk d
E
Cb
P
6
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6
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W o r k e r a n D e M p lo y e r C o n t r i B u t i o n S f o r p r e M i u M S
premium conTribuTions by covered workers averaged 19% for single coverage and 30% for family coverage,
a significanT increase from The percenTages reporTed in 2009 for boTh single and family coverage .1 The
average monThly worker conTribuTions are $75 for single coverage and $333 for family coverage.
I 2010, cd wk g cb
19% g cg,
gc c 17% 2009, d 30%
cg, 27%
2009 (Exb 6.1). T c
gc c c K/HRE bg
1999.
T g wk cb cd
b g d cg 2010.
O g, wk w g cg
cb $75 d wk w
cg cb $333
wd c ;
g $65 d $293
d 2009 (Exb 6.2).
Wk d HDHP/SO cb
w g
wk cb g cg ($632
cd $899), w wk HMO w g cg cb g
($1,028). Wk d
POS cb g
($5,195) g wk
cb cg ($3,997)
(Exb 6.5).
Wk (3–199 wk) cb
$865 g cg,
wc $917 cbd b wk
g (200 wk) (Exb 6.8).
I c, wk w
cg cb gc wk w cg g ,
($4,665 . $3,652) (Exb 6.8).
F 2009 2010, g wk
cb cd gc cd
wk (3–199 wk) w
g cg ( $625 $865) (Exb
6.6). F cg, g
wk cb cd 2009 2010
wk g (200 wk)
( $3,182 $3,652) (Exb 6.7). Tg wk cb d
b 2009 2010 cd wk
w g cg g d
cg (Exb 6.6 d 6.7).
T g d wk
cb.
T- c cd wk
cb $1,079 (120%
g wk cb) g cg,
w 42% cd wk
wk cb $719 (80%
g wk cb) (Exb 6.14).
F cg, 28% cd wk
cb $4,797 (120%
g wk cb), w 46%
cd wk wk
cb $3,198 (80%
g wk cb) (Exb 6.14).
T j cd wk d b
cb .
Sx c wk w g cg d
5% wk w cg wk 100% (Exb 6.15).
1 e p, w cb p, p cb p p
sc 6 c cb b p h svg acc h rb
ag. s sc 8 p cb hsa hra.
n o T e :
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t h e k a i s e r a m i l y o u n d at 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 s i p, c sc 10.
n o T e :
Cd wk (3–199 wk)
k wk 100%
wk g
(200 wk). T- c
cd wk
g cg,
cd 6% cd wk g
(Exb 6.16). F cg, 13%
c cd wk
cg, cd 1% cd wk
g (Exb 6.17).
Eg c cd wk
(3–199 wk) cb 50%
g cg, cd
1% cd wk g (200
wk) (Exb 6.16). F
cg, 32% cd wk
wk w cb
50% , cd 8%
cd wk g (Exb 6.17).
T cg d b cd
wk b ccc.
F g cg, wk w
w-wg wk (w 35% $23,000 ) cb g
cg
w w w-wg wk (w
35% $23,000 ) (24% . 18%)
(Exb 6.19).
F cg, wk w
w-wg wk (35% $23,000
) cb g cg
w w
w-wg wk ( 35% $23,000
) (35% . 29%) (Exb 6.20).
Wk w cg
c -dd cb
gc w cg
d (26%
. 36%).2 Ag , cb
wk -d 27% cd
38% d . F g ,
cb 25% d 32% (Exb 6.20).
Wk w cg
wk cb
gc w cg
w wk
(24% . 33%) (Exb 6.20).
S wk d b
cb b wk’ wg.
T c cd wk
wk cb b wg
, wc c cgd 10% d 2008, wc w
q w kd. Wk g
k b d b
cb b wg wk
(17% . 6%) (Exb 6.25).
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t h e k a i s e r a m i ly 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
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
FAMILY COVERAGE
SINGLE COVERAGE
1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008
27%
14%
26%
14%
26%
14%
28%
16%
27%
16%
28%
16%
26%
16%
27%
16%
28%
16%
30%*
19%*
27%
17%
27%
16%
e x h i B i t 6 . 1
avg Pcg P P b Cv W sg Cvg, 1999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
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t h e k a i s e r a m i ly 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
$0
$50
$100
$150
$200
$250
$300
$350
$400
$450
$500
FAMILY COVERAGE
SINGLE COVERAGE
1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008
$129 $135$149*
$178*
$201*
$222* $226
$248*
$273*
$333*
$293$280
$27 $28 $30$39* $42 $47 $51 $52 $58*
$75*$65$60
e x h i B i t 6 . 2
avg m W P Cb P b Cv W sg
Cvg, 1999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
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6
Employer Health Benefts 2010 Annual Survey
74
T h e K a i s e r F a m i ly 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
2004
2007
2008
2009
2000
2001
2002
2003
2005
2006
1999
WORKER CONTRIBUTION
EMPLOYER CONTRIBUTION
$0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $4,500 $5,000 $5,500
$318 $1,878
$334 $2,137*
$355 $2,334*
$466* $2,617*
$508 $2,875*
$558 $3,136*
$610 $3,413*
$627 $3,615*
$694* $3,785
$721 $3,983
$779
$899*
$4,045
2010 $4,150
$2,196
$2,471*
$2,689*
$3,083*
$3,383*
$3,695*
$4,024*
$4,242*
$4,479*
$4,704*
$4,824
$5,049*
e x h i b i T 6 . 3
avg a Wk ep ct t t P Tt P sg
cvg, 1999–2010
* ett ttt t tt t pv w (p<.05).
K/hreT sv epsp ht bft, 1999–2010.
s o u r c e :
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t h e k a i s e r a m i ly 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
WORKER CONTRIBUTION
EMPLOYER CONTRIBUTION
$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000
$1,543 $4,247
$1,619 $4,819*
$1,787* $5,269*
$2,137* $5,866*
$2,412* $6,657*
$2,661* $7,289*
$2,713 $8,167*
$2,973* $8,508*
$3,281* $8,824
$3,354 $9,325*
$3,515 $9,860*
2004
2007
2008
2009
2000
2001
2002
2003
2005
2006
1999
2010 $3,997* $9,773
$5,791
$6,438*
$7,061*
$8,003*
$9,068*
$9,950*
$10,880*
$11,480*
$12,106*
$12,680*
$13,375*
$13,770*
e x h i B i t 6 . 4
avg a W ep Cb P t P
Cvg, 1999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
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t h e k a i s e r a m i ly 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
$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000
SINGLE
HMO
FAMILY
ALL PLANS
HDHP/SO
SINGLE
FAMILY
PPO
SINGLE
FAMILY
POS
SINGLE
SINGLE
FAMILY
FAMILY
$1,028* $5,130
$4,357 $14,125
$899
$905
$974
$5,195*
$14,033
$13,213
$12,384*
$13,770
$4,470*
$3,997
$3,823
$5,124
$5,239
$632*
$3,522
$4,102
$9,768
$4,150
$4,265
$8,018*
$4,219
$9,773
$10,210
$3,839*
$8,861*
$5,049
WORKER CONTRIBUTION
EMPLOYER CONTRIBUTION
e x h i B i t 6 . 5
avg a W P Cb t P Cv W
sg Cvg, b P tp, 2010
* e c a P b cvg p (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
$0
$100
$200
$300
$400
$500
$600
$700
$800
$900
$1,000
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS
200 OR MORE WORKERS
1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008
$334
$286
$363
$280
$380
$306
$495*
$406*
$536
$450
$578
$513
$638*
$556
$689
$515
$759*
$561
$917
$865*
$854*
$625
$769
$624
e x h i B i t 6 . 6
avg a W Cb Cv W w sg Cvg, b sz,
1999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 92/212
6
Eple Helth Beeft 2010 Anna s
78
t h e k a i s e r a m i ly 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
$0
$1,000
$2,000
$3,000
$4,000
$5,000
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS
200 OR MORE WORKERS
1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008
$1,831
$1,398
$1,940
$1,453
$2,254*
$1,551
$2,647*
$1,893*
$2,970
$2,146*
$3,382*
$2,340*
$3,170
$2,487
$3,550
$2,658
$4,236*
$2,831
$4,665
$3,652*
$4,204
$3,182
$4,101
$2,982
e x h i B i t 6 . 7
avg a W Cb Cv W w Cvg, b sz,
1999–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
* e c pv w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 93/212
Eple Helth Beeft 2010 Anna s
79
t h e k a i s e r a m i ly 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
e x h i B i t 6 . 8
avg a W P Cb P b Cv W sg
Cvg, b sz, 1999–2010
* e c bw a s a lg w (p<.05).
k/hret sv epsp h B, 1999–2010.
s o u r c e :
sg Cvg Cvg
a s (3–199 W)
a lg (200 m W)
a s (3–199 W)
a lg (200 m W)
1999 $286 $334 $1,831* $1,398*
2000 $280* $363* $1,940* $1,453*
2001 $306* $380* $2,254* $1,551*
2002 $406* $495* $2,647* $1,893*
2003 $450 $536 $2,970* $2,146*
2004 $513 $578 $3,382* $2,340*
2005 $556 $638 $3,170* $2,487*
2006 $515* $689* $3,550* $2,658*
2007 $561* $759* $4,236* $2,831*
2008 $624* $769* $4,101* $2,982*
2009 $625* $854* $4,204* $3,182*
2010 $865 $917 $4,665* $3,652*
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6
Eple Helth Beeft 2010 Anna s
80
t h e k a i s e r a m i ly 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
W
Cb
ep
Cb
t P
hmo
a s (3–199 W) $991 $4,141 $5,133
a lg (200 m W) $1,045 $4,085 $5,129
ppo
a s (3–199 W) $787* $4,382 $5,169
a lg (200 m W) $956* $4,148 $5,104
pos
a s (3–199 W) $1,145 $4,000 $5,145
a lg (200 m W) $676 $4,725 $5,402
hDhp/so
a s (3–199 W) $716 $3,738 $4,454
a lg (200 m W) $571 $3,911 $4,482
All plANs
a s (3–199 W) $865 $4,180 $5,046
a lg (200 m W) $917 $4,133 $5,050
e x h i B i t 6 . 9
avg a W P Cb t P Cv W
sg Cvg, b P tp sz, 2010
* e c w p p bw a s a lg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 95/212
Eple Helth Beeft 2010 Anna s
81
t h e k a i s e r a m i ly 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
W
Cb
ep
Cb
t P
hmo
a s (3–199 W) $4,972 $8,313* $13,285*
a lg (200 m W) $4,089 $10,403* $14,492*
ppo
a s (3–199 W) $4,380* $9,355* $13,735
a lg (200 m W) $3,586* $10,574* $14,161
pos
a s (3–199 W) $5,536 $7,289 $12,825
a lg (200 m W) $4,634 $9,216 $13,850
hDhp/so
a s (3–199 W) $4,472* $7,550* $12,022
a lg (200 m W) $2,849* $9,791* $12,640
All plANs
a s (3–199 W) $4,665* $8,585* $13,250*
a lg (200 m W) $3,652* $10,386* $14,038*
e x h i B i t 6 . 1 0
avg a W P Cb t P Cv W
Cvg, b P tp sz, 20 10
* e c w p p bw a s a lg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 96/212
6
Eple Helth Beeft 2010 Anna s
82
t h e k a i s e r a m i ly 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
exhiBit 6 .1 1
avg m a W P Cb P b Cv W sg
Cvg, b P tp sz, 2010
m a
sg Cvg Cvg sg Cvg Cvg
hmo
a s (3–199 W) $83 $414 $991 $4,972
a lg (200 m W) 87 341 1,045 4,089
All irm sizes $86 $363 $1,028 $4,357
ppo
a s (3–199 W) $66* $365* $787* $4,380*
a lg (200 m W) 80* 299* 956* 3,586*
All irm sizes $75 $319 $905 $3,823
pos
a s (3–199 W) $95 $461 $1,145 $5,536
a lg (200 m W) 56 386 676 4,634
All irm sizes $81 $433 $974 $5,195
hDhp/so
a s (3–199 W) $60 $373* $716 $4,472*
a lg (200 m W) 48 237* 571 2,849*
All irm sizes $53 $294 $632 $3,522
All plANs
a s (3–199 W) $72 $389* $865 $4,665*
a lg (200 m W) 76 304* 917 3,652*
All irm sizes $75 $333 $899 $3,997
* e c w p p bw a s a lg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 97/212
Eple Helth Beeft 2010 Anna s
83
t h e k a i s e r a m i ly 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
exhiBit 6 .1 2
avg m a W P Cb P b Cv W sg
Cvg, b P tp rg, 2010
m a
sg Cvg Cvg sg Cvg Cvg
hmo
n $111* $339 $1,333* $4,069
mw 76 345 908 4,145
s 77 340 929 4,082
W 76 401 916 4,809
All regioNs $86 $363 $1,028 $4,357
ppo
n $83 $282* $998 $3,388*
mw 79 326 947 3,916
s 71 348* 848 4,177*W 73 280 882 3,359
All regioNs $75 $319 $905 $3,823
pos
n $167 $375 $2,000 $4,495
mw 67 394 808 4,733
s 52 443 628 5,317
W 76 484 907 5,813
All regioNs $81 $433 $974 $5,195
hDhp/so
n $59 $357 $707 $4,278
mw 55 230* 658 2,765*
s 59 363 710 4,358
W 32* 242 382* 2,903
All regioNs $53 $294 $632 $3,522
All plANs
n $94* $313 $1,123* $3,754
mw 73 313 876 3,759
s 68* 358* 822* 4,300*
W 70 331 841 3,978
All regioNs $75 $333 $899 $3,997
* e c w p p c g (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 98/212
6
Eple Helth Beeft 2010 Anna s
84
t h e k a i s e r a m i ly 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
* e c pv w (p<.05).
^ i w b hdhP/so p 2006.
k/hret sv epsp h B, 19992010.
s o u r c e :
exhiBit 6 .1 3
avg m W P Cb P b Cv W sg
Cvg, b P tp, 1999–2010
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
sn Ca
hmo $28 $26 $32 $38 $42 $46 $47 $49 $59 $59 $68 $86*
PPo 27 29 29 39* 44 48 50 53 60* 61 67* 75*
Pos 27 28 29 40* 41 45 61* 53 52 72 62 81
hdhP/so ^ ^ ^ ^ ^ ^ ^ 47 43 39 45 53
All plANs $27 $28 $30 $39* $42 $47 $51 $52 $58* $60 $65 $75*
a Ca
hmo $124 $131 $150 $164 $179 $223* $217 $257* $276 $282 $307 $363*
PPo 128 141 153 188* 210* 224 220 243* 270* 279 289 319*
Pos 141 136 143 180* 206 218 271* 269 305 311 346 433*
hdhP/so ^ ^ ^ ^ ^ ^ ^ 187 238 234 223 294*
All plANs $129 $135 $149* $ 178* $ 201* $ 222* $226 $248* $ 273* $280 $293 $333*
e x h i B i t 6 . 1 4
d b W P Cb sg Cvg rv
avg a W P Cb, 2010
n: t vg w cb $899 g cvg $3,997 cvg. t w
cb b v vg g w cb. p, $719 80%
vg g w cb $1,079 120% vg g w cb. t b p
v vg b cvg.
k/hret sv epsp h B, 2010.
s o u r c e :
sg Cvg Cvg
P
Cb rg,
rv avg
P Cb
P
Cb rg,
d a
Pcg
Cv W
rg
P
Cb rg,
d a
Pcg
Cv W
rg
l 80% l $719 42% l $3,198 46%
80% l t avg $719 <$899 12% $3,198 <$3,997 16%
avg l t 120% $899 <$1,079 12% $3,997 <$4,797 11%
120% m $1,079 m 34% $4,797 m 28%
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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Eple Helth Beeft 2010 Anna s
85
t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
0%
GREATER THAN 0%, LESS THAN OR EQUAL TO 25%
GREATER THAN 25%, LESS THAN OR EQUAL TO 50%
GREATER THAN 50%
2004*
2006
2008
2009*
2010*
2002
2003*
2005
2007
2004*
2006
2008
2009
2010*
2002
2003*
2005*
2007*
SINGLE
COVERAGE
FAMILY
COVERAGE
24%56%16%
13% 5%58%24%
17% 3%57%24%
21% 2%56%21%
19% 3%57%21%
18% 2%56%23%
21% 2%56%20%
19% 2%59%20%
22% 1%58%18%
35% 16%43%5%
29% 16%46%9%
31% 14%47%8%
36% 13%44%7%
32% 13%46%9%
37% 12%42%9%
31% 15%47%6%
33% 14%46%7%
33% 12%48%6%
4%
e x h i B i t 6 . 1 5
d b Pcg P P b Cv W sg Cvg,
2002–2010
* db c w cvg p b
pv w (p<.05).
k/hret sv epsp h B, 2002–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 100/212
6
Eple Helth Beeft 2010 Anna s
86
t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
0%
GREATER THAN 0%, LESS THAN OR EQUAL TO 25%
GREATER THAN 25%, LESS THAN OR EQUAL TO 50%
GREATER THAN 50%
2004
2006
2008
2009
2010*
2002
2003
2005
2007
2004*
2006
2008
2009*
2010*
2002
2003*
2005
2007*
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS
200 OR MORE
WORKERS
18% 8%39%35%
13% 8%35%45%
14% 6%35%45%
17% 5%35%42%
18% 6%36%41%
14%38%43%
16%36%44%
16%40%40%
19%40%39%
27% 1%65%6%
14% 4%69%14%
18% 1%67%14%
23% 1%65%11%
20% 1%67%12%
20% 1%66%13%
23% 2%66%9%
20% 1%68%10%
24% 1%67%8%
4%
4%
5%
3%
e x h i B i t 6 . 1 6
d b Pcg P P b Cv W sg Cvg, b sz,
2002–2010
* db c w z cg b
pv w (p<.05).
k/hret sv epsp h B, 2002–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 101/212
Eple Helth Beeft 2010 Anna s
87
t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
0%
GREATER THAN 0%, LESS THAN OR EQUAL TO 25%
GREATER THAN 25%, LESS THAN OR EQUAL TO 50%
GREATER THAN 50%
2004*
2006
2008*
2009
2010
2002
2003
2005*
2007*
2004
2006*
2008
2009*
2010*
2002
2003*
2005
2007*
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS
200 OR MORE
WORKERS
25% 32%30%13%
28% 31%23%18%
26% 31%28%15%
39% 28%17%15%
37% 23%22%18%
38%20%17%
25%25%13%
31%27%13%
28%28%14%
40% 8%50%1%
29% 9%57%5%
33% 6%57%4%
34% 6%56%4%
30% 7%57%5%
36% 5%54%5%
34% 5%58%3%
34% 6%56%4%
36% 4%58%2%
24%
37%
30%
30%
e x h i B i t 6 . 1 7
d b Pcg P P b Cv W Cvg, b sz,
2002–2010
* db c w z cg b
pv w (p<.05).
k/hret sv epsp h B, 2002–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 102/212
6
Employer Health Benefts 2010 Annual Survey
88
T h e K a i s e r F a m i ly 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
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS*
MANY WORKERS ARE LOWERWAGE 35% OR
MORE EARN $23,000 A YEAR OR LESS*
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS
MANY WORKERS ARE LOWERWAGE 35% OR
MORE EARN $23,000 A YEAR OR LESS
SINGLE COVERAGE
FAMILY COVERAGE
3%22%16% 58%
6%40%17% 37%
16%34%6% 45%
21%41%5% 33%
0%
GREATER THAN 0%, LESS THAN OR EQUAL TO 25%
GREATER THAN 25%, LESS THAN OR EQUAL TO 50%
GREATER THAN 50%
e x h i b i T 6 . 1 8
dt t t Ptg Tt P P cv Wk sg F
cvg, Wg, 2010
* dtt hgWg lwWg F ttt
t (p<.05).
K/hreT sv epsp ht bft, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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6
Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 6 . 2 0
avg Pcg P P b Cv W Cvg, b
Cc c , 2010
* e c c w z cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
a s
(3–199 W)
a lg
(200 m
W)
a
Wa l
w W a lwWg (l t 35% e
$23,000 y l)
36% 26%* 29%*
m W a lwWg (35% m e
$23,000 y l)
38% 33%* 35%*
unn
h a l s u W 26%* 23%* 24%*
d n hv a u W 37%* 29%* 33%*
yn W
l t 35% W a ag 26 yg 35% 26% 29%
35% m W a ag 26 yg 46% 31% 35%
od W
l t 35% W a ag 50 o 37% 26% 30%
35% m W a ag 50 o 33% 28% 30%
ndn Aannt
i 38%* 32%* 36%*
s 27%* 25%* 26%*
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Eple Helth Beeft 2010 Anna s
91
t h e k a i s e r a m i ly 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
e x h i B i t 6 . 2 1
avg Pcg P P b Cv W sg Cvg, b P
tp sz, 2010
* e c w p p bw a s a lg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
sg Cvg Cvg
hmo
a s (3–199 W) 20% 37%*
a lg (200 m W) 21 29*
All irm sizes 21% 31%
ppo
a s (3–199 W) 16%* 33%*
a lg (200 m W) 20* 26*
All irm sizes 19% 28%
pos
a s (3–199 W) 23% 42%
a lg (200 m W) 12 35
All irm sizes 19% 39%
hDhp/so
a s (3–199 W) 15% 37%*
a lg (200 m W) 14 22*
All irm sizes 14% 28%
All plANs
a s (3–199 W) 18% 36%*
a lg (200 m W) 19 27*
All irm sizes 19% 30%
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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6
Eple Helth Beeft 2010 Anna s
92
t h e k a i s e r a m i ly 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
* e c pv w (p<.05).
^ i w b hdhP/so p 2006.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
exhiBit 6 .2 2
avg Pcg P P b Cv W sg Cvg, b P
tp, 1999–2010
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
sn Cahmo 16% 14% 18% 16% 17% 16% 16% 15% 17% 16% 18% 21%*
PPo 13 14 13 16* 16 16 15 15 17 16 17 19
Pos 15 14 13 16* 16 16 19 16 14 18 16 19
hdhP/so ^ ^ ^ ^ ^ ^ ^ 18 15 11 14 14
All plANs 14% 14% 14% 16% 16% 16% 16% 16% 16% 16% 17% 19%*
a Ca
hmo 28% 26% 29% 27% 26% 29% 26% 28% 28% 26% 28% 31%
PPo 26 27 26 29* 28 27 25 26 27 27 26 28
Pos 28 26 25 28 28 28 31 30 32 31 32 39
hdhP/so ^ ^ ^ ^ ^ ^ ^ 25 27 29 25 28
All plANs 27% 26% 26% 28% 27% 28% 26% 27% 28% 27% 27% 30%*
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 6 . 2 3
avg Pcg P P b Cv W sg Cvg, b P
tp rg, 2010
* e c w p p c g (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
sg Cvg Cvg
hmo
n 23% 27%*
mw 19 30
s 20 31
W 20 35
All regioNs 21% 31%
ppo
n 19% 24%*
mw 19 27
s 19 33*
W 17 24*
All regioNs 19% 28%
pos
n 33% 29%*
mw 16 30
s 14 42
W 19 49
All regioNs 19% 39%
hDhp/so
n 15% 31%
mw 16 23*
s 15 36*W 9* 25
All regioNs 14% 28%
All plANs
n 21% 26%*
mw 18 27*
s 18 34*
W 17 30
All regioNs 19% 30%
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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6
Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
exhiBit 6 .2 4
avg Pcg P P b Cv W , b P tp i , 2010
sg Cvg Cvg
hmoagc/mg/Cc nsd nsd
mcg 25% 24%*
tp/Cc/u 18 23*
W nsd nsd
r nsd nsd
c 20 28
svc 22 36*
s/lc Gv 12* 20*
h C 20 35
All iNDusTries 21% 31%
ppo
agc/mg/Cc 21% 32%
mcg 22* 26
tp/Cc/u 19 28
W 20 29
r 22 38
c 22* 27
svc 18 31
s/lc Gv 10* 21*
h C 16 29
All iNDusTries 19% 28%
pos
agc/mg/Cc nsd nsd
mcg nsd nsd
tp/Cc/u nsd nsd
W nsd nsd
r nsd nsd
c nsd nsd
svc 14% 31%*
s/lc Gv nsd nsd
h C nsd nsd
All iNDusTries 19% 39%
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e x h i B i t 6 . 2 4
avg Pcg P P b Cv W , b P tp i , 2010
* e c w p p c (p<.05).
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
sg Cvg Cvg
hDhp/soagc/mg/Cc nsd nsd
mcg 17% 25%
tp/Cc/u 18 26
W 15 22
r nsd nsd
c 12 29
svc 10* 25
s/lc Gv nsd nsd
h C 16 25
All iNDusTries 14% 28%
All plANs
agc/mg/Cc 18% 33%
mcg 22* 26*
tp/Cc/u 19 26
W 19 28
r 25 34
c 19 28
svc 17 31
s/lc Gv 9* 25
h C 19 32
All iNDusTries 19% 30%
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exhiBit 6 .2 5
Pcg Cv W t V W P Cb b Wg, b
sz rg, 2010
* e c c z g cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
Pcg Cv W
t V W PCb b Wg lv
irm size
200–999 W 9%
1,000–4,999 W 16
5,000 m W 21*
A sa (3–199 W) 6%*
A la (200 m W) 17%*
regioN
n 20%
mw 11
s 12W 13
All irms 13%
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
E
C Sg
7
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e M p l o y e e C o S t S h a r i n g
in addiTion To an y required premium conTribuTions, covered workers ma y face cosT sharing fo r Th e
medical services ThaT They us e. cosT sharing for medical services can Take a varieTy of forms, including
deducTibles (an amounT ThaT musT be paid before some or al l services ar e covered), copaymenTs (fixed
dollar amounTs), and /or coinsurance (a percenTage of Th e charge for services). The Type and level of
cosT sharing ofTen varies by The Type of plan in which The worker is enrolled. cosT sharing may also vary
by The Type of service received such as office visiTs, hospiTalizaTions, or prescripTion drugs.
The cosT-sharing amounTs reporTed here are for covered workers using services provided in-neTwork by
parTicipaTing providers. plan enrollees receiving services from providers ThaT do no T parTicipaTe in plan
neTworks ofTen face higher cosT sharing and may be responsible for charges ThaT exceed plan allowable
amounTs. The framework of This survey does noT allow us To capTure al l of Th e complex cosT-sharing
requiremenTs in modern plans, parTicularly fo r ancillary services (such as durable medical equipmenT
or physical Therapy) or cosT-sharing arrangemenTs ThaT vary across differenT seTTings (such as Tiered
neTworks). Therefore, we do noT collecT informaTion on all of The plan provisions and limiTs ThaT affecT
enrollee ou T-of-pockeT liabiliTy.
g e N e r A l A N N u A l D e D u C T i b l e s
A g ddcb
b d b b c
cd b . T kd
g ddcb b .
Wk HMO k
g ddcb g cg
cd . S-w
c wk HMO w g
cg d g ddcb,
cd 34% wk POS
d 23% wk PPO. T cg
cg (Exb 7.1).
Bw 2009 d 2010 cg
wk HMO w ddcb g
cg dcd 84% 72%.
Wk w g ddcb c g
dc c. F wk w
g ddcb g cg,
78% wk HMO, 75% wk
PPO, d 74% wk POS
q c g
d. T cg
cg (Exb 7.2).
Ddcb g b d z.
T g ddcb g wk w ddcb g cg
$601 HMO, $675 PPO, $1,048 POS
, d $1,903 HDHP/SO (Exb 7.3).
F c , c
gc cg ddcb
2009 2010 g cg.
Sc 2006, wc w
cb ddcb d, g
ddcb wk w PPO cd
$473 $675 2010 g cg
(Exb 7.5) d, ggg ddcb,
$1,034 $1,518 2010 (Exb 7.12).
Ddcb g g cd wk
d b (3–199 wk)
cd wk g (200
wk) (Exb 7.3 d Exb 7.11).
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t h e k a i s e r a m i l y o u n d at 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
F cg, j wk w
g ddcb ggg
ddcb, g b’ -
-ck x c wd g
ddcb . Ag w g
ddcb cg, cg cd wk w ggg
g ddcb g 65%
PPO 89% HDHP/SO.
T g wk w ggg
ddcb cg $1,321
HMO, $1,518 PPO, $2,253 POS ,
d $3,780 HDHP/SO (Exb 7.11).
T ddcb,
- ddcb, q c
b - ddcb
b c x
b. M w -
ddcb cd ddcb
cbd b b c c
ddcb .
F cd wk
- g ddcb
cg, g
ddcb $500 HMO, $596
PPO, $1,164 POS , d $2,053
HDHP/SO (Exb 7.11). M cd
wk w g
ddcb cg
b b qd ddcb (Exb 7.14).1
Ag wk w
b b, g b
b qd
ddcb PPO d
HMO d w HDHP/SO.2
T cg wk w ddcb $1,000
g cg c c.
F 2006 2010, cg cd
wk w ddcb $1,000
g cg d, 10%
27% (Exb 7.7). Wk
(3–199 wk) k g
ddcb $1,000 g
cg wk g (200
wk) (46% . 17%) (Exb 7.6).
T j cd wk w ddcb
w ddcb d b
b c c, c c c ,
c, c dg, cd.
Rg - (83%) cd wk
w g ddcb HMO , POS
(81%), d PPO (70%) d
w ddcb d b
b c c c
cd (Exb 7.16).
Hg cd wk d
ddcb b c cd HMO (96%), PPO (91%), POS
(87%), d HDHP/SO (93%) (Exb 7.16).
S, g wk w g
ddcb, cd wk HMO (94%),
PPO (92%), d POS (92%) d
w g ddcb d
b b c dg
cd (Exb 7.16).
h o s p i T A l C o s T s h A r i N g
W c x d d
q d g cg bc c b cx c
b . A , w ccd
c-g
d d g
dd g ddcb.
Bgg w 2009 , d b
c c cb c
g, w cgd k
q. P, q kd
d c
c g, c ddcb,
c, cc, d d
1 s w w p pp cb pc cvg v
pcc b b q cb v p
, c pp w . t p c vg
b p cb pc .
2 t fc p vg b b q p cb
Pos p.
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t h e k a i s e r a m i ly 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
( z ). D cg
q , db wk
w c g d q 100%
wk c cb c
g. I dd, g c d
cc d cdwk cb
c g.
W wk g
ddcb, wk c dd
c g w dd , c
c, cc, d cg.
T j wk c
cc w dd ,
w wk g
ddcb (Exb 7.17). F- c
cd wk cc d 19%
c d. Lw
cg wk d ( d)
(5%), ddcb
(5%), b c d cc (10%),
w 19% c g
d. F d, g
cc 18%, g c
$232 d, g d
cg $228, d g
ddcb $723 (Exb 7.19).
T c-g g
d,
wk cc c.F-g c cd wk
cc d 20% c
g d. I dd, 2%
ddcb
g, d 4% b c d
cc, w 20% c g
g (Exb 7.18). F cd
wk w c g c
g d, g cc 17%,
g c $132, d g
g ddcb
$963 (Exb 7.19).
C o s T s h A r i N g o r p h y s i C i A N o i C e v i s i T s
T j cd wk d
q c g
-wk c c , dd
g ddcb.3
T c c c
c g -wk c c.
S- c cd wk
c c c c
d 16% cc. F c w
c c, 73% cd wk
c d 17% cc.
Wk HMO, PPO, d POS
c k c
wk HDHP/SO b c
d c c c c . F
x, j wk HDHP/SO
cc (51%) c g (30%) c c c
ddcb (Exb 7.20).
Ag cd wk w c
-wk c c , g
c $22 c d $31
c c (Exb 7.22),
gc $20 d $28 d 2009.
F- c cd wk
c $15 $20 c c
(Exb 7.23). F c c c
, 28% cd wk c
$20 $25 (Exb 7.24).4
Ag wk w cc -wk
c c , g cc
w c c
c c 18% (Exb 7.22).
e m e r g e N C y r o o m v i s i T C o s T s h A r i N g
T j cd wk c g
w gc .
N-w c cd wk c
g gc (Exb 7.21).
Sx- c wk c
3 i 2010, v b pvc c pc fc v p p c pc
c. P 2010 v p c p cp fc v, w p
cp b p pc c v. t v w p p
p cp p c v cc v w pc pc. t cg
2010 w v p c g p c pc c. t v c c
g w vc . s 2007 v w fc v c g.
4 t vg cp vg cc p pc c c w w v
p c g.
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t h e k a i s e r a m i ly 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
sg Cvg Cvg
hmo
200–999 W 68% 68%
1,000–4,999 W 80 80
5,000 m W 77 77
A sa (3–199 W) 66% 65%
A la (200 m W) 75% 75%
All irm sizes 72% 72%
ppo
200–999 W 26% 26%
1,000–4,999 W 24 24
5,000 m W 23 23A sa (3–199 W) 20% 20%
A la (200 m W) 24% 24%
All irm sizes 23% 23%
pos
200–999 W 34% 34%
1,000–4,999 W 70* 70*
5,000 m W 15* 15*
A sa (3–199 W) 36% 32%
A la (200 m W) 30% 30%
All irm sizes 34% 31%
e x h i B i t 7 . 1
Pcg Cv W w n G a h P dcb sg
Cvg, b P tp sz, 201 0
* e c w p p c z cg (p<.05).
n: hdhP/so w bc cv w p c cb. i hdhP/hra p,
b v, cb $1,000 g cvg $2,000 cvg. i hsaq
hdhP, g cb 2010 $1,200 g cvg $2,400 cvg. avg g
p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2010.
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sg Cvg Cvg
saat Ct san a hta Adn
hmo 78% 78%
PPo 75 75
Pos 74 71
saat Ct san an otatnt s ed
hmo 74% 74%
PPo 72 72
Pos 72 70
e x h i B i t 7 . 2
ag Cv W w n G a h P dcb sg
Cvg, Pcg W hv wg tp C sg, b P tp, 2010 ‡
‡ sp c g c p c wg p: p cb, cp,
cc, / cg p (p ). C g c p g p c wg
p: p cb, cp, / cc.
n: hdhP/so w bc cv w p c cb. i hdhP/hra p, b
v, cb $1,000 g cvg $2,000 cvg. i hsaq hdhP,
g cb 2010 $1,200 g cvg $2,400 cvg. avg g
p cb PPo Pos p w vc.
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
sg Cvg
hmo
a s (3–199 W) $998*
a lg (200 m W) 354*
All irm sizes $601
ppo
a s (3–199 W) $1,146*
a lg (200 m W) 460*
All irm sizes $675
pos
a s (3–199 W) $1,278*
a lg (200 m W) 687*
All irm sizes $1,048
hDhp/so
a s (3–199 W) $2,216*
a lg (200 m W) 1,676*
All irm sizes $1,903
e x h i B i t 7 . 3
ag Cv W w G a h P dcb sg Cvg,
avg dcb , b P tp sz, 2010
* e c w p p bw a s a lg (p<.05).n: avg g p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2010.
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sg Cvg
hmo
n $693
mw 516
s 696
W nsd
All regioNs $601
ppo
n $561
mw 660
s 673
W 814All regioNs $675
pos
n nsd
mw $908
s 1,065
W nsd
All regioNs $1,048
hDhp/so
n $1,765
mw 2,000
s 1,902
W 1,868
All regioNs $1,903
e x h i B i t 7 . 4
ag Cv W w G a h P dcb sg Cvg,
avg dcb , b P tp rg, 2010*
* t c c b g (p<.05).
nsd: n sfc d.
n: avg g p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
PERCENTAGE OF COVERED WORKERS
WITH A SINGLE DEDUCTIBLE OF $1,000 OR MORE*
PERCENTAGE OF COVERED WORKERS
WITH A SINGLE DEDUCTIBLE OF $2,000 OR MORE*
46%
17%
27%
20%
10%
4%
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS
200 OR MORE WORKERS
ALL FIRMS
e x h i B i t 7 . 6
Pcg Cv W e P w hg G a dcb
sg Cvg, B sz, 2010
* e c bw a s a lg w cg (p<.05).
n: t c w hdhP/so p p. Bc w
cc b cv p, b cvv, w w
cv p v cb $1,000 . Bc w
cv p, pc p . avg g p
cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2010.
s o u r c e :
2006 2007 2008 2009 2010
hmo $352 $401 $503 $699* $601
PPo 473 461 560* 634 675
Pos 553 621 752 1,061 1,048
hdhP/so 1,715 1,729 1,812 1,838 1,903
e x h i B i t 7 . 5
ag Cv W w G a h P dcb sg Cvg,
avg dcb , b P tp, 2006–2010
* e c pv w b p p (p<.05).
n: avg g p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2006–2010.
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t h e k a i s e r a m i ly 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
0%
10%
20%
30%
40%
50%
ALL SMALL FIRMS
3199 WORKERS
ALL LARGE FIRMS
200 OR MORE WORKERS
ALL FIRMS
2006 2007 2008 2009 2010
16%
10%
21%*
12%*
35%*
40%
22%*
18%*
46%
27%*
6%8%
13%*
9%
17%
e x h i B i t 7 . 7
Pcg Cv W e P w G a dcb $1,000
m sg Cvg, B sz, 2006–2010
* e c pv w (p<.05).
n: t c w hdhP/so p p. Bc w
cc b cv p, b cvv, w
w cv p v cb $1,000 . Bc w cv p, pc p . avg g
p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2006–2010.
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t h e k a i s e r a m i ly 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
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
2008*
2009*
2007*
2006
26%50%
38% 44%
33% 32%
19%
16%
25%
5%
1%
10%
29% 24% 29% 18%
2010* 16% 35% 31% 17%
$1$499
$500$999
$1,000$1,999
$2,000 OR MORE
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
2008*
2009
2007*
2006
24%64%
62% 26%
52% 30%
10%
8%
13%
2%
4%
4%
48% 32% 14% 6%
2010 49% 29% 16% 6%
$1$499
$500$999
$1,000$1,999
$2,000 OR MORE
e x h i B i t 7 . 8
ag Cv W w G a h P dcb sg PPo Cvg,
d b dcb , 2006–2010
e x h i B i t 7 . 9
ag Cv w w G a h P dcb sg Pos Cvg,
d b dcb , 2006–2010
* db c b pv w (p<.05).
n: dcb PPo p w vc.
k/hret sv epsp h B, 2006–2010.
s o u r c e :
* db c b pv w (p<.05).
n: dcb Pos p w vc.
k/hret sv epsp h B, 2006–2010.
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t h e k a i s e r a m i ly 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
n dcb aggg asp a
p P
hmo
a s (3–199 W) 65% 28% 7%
a lg (200 m W) 75 18 7
All irm sizes 72% 21% 7%
ppo
a s (3–199 W) 20% 56% 24%
a lg (200 m W) 24 47 29
All irm sizes 23% 50% 27%
pos
a s (3–199 W) 32% 50% 18%a lg (200 m W) 30 62 8
All irm sizes 31% 54% 14%
hDhp/so
a s (3–199 W) na 85% 15%
a lg (200 m W) na 91 9
All irm sizes NA 89% 11%
e x h i B i t 7 . 1 0
d b tp G a dcb Cv W w Cvg, b
P tp sz, 2010*
* t c c bw b a s a lg w p p (p<.05).
na: n appcb. a cv w hdhP/so c g cb. i hdhP/hra p, b v,
cb $1,000 g cvg $2,000 cvg. i hsaq hdhP, g
cb 2010 $1,200 g cvg $2,400 cvg.
n: t v g bw p v ggg cb wc b’ pc
p c w cb p v p c b, pc w
b b q c . ag w w g cb, 76% w
hmo v ggg cb, 65% PPo v ggg cb, 79% Pos p v ggg
cb. avg g p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2010.
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aggg a sp a p P
hmo
a s (3–199 W) $2,138* nsd
a lg (200 m W) 774* $344
All irm sizes $1,321 $500
ppo
a s (3–199 W) $2,347* $1,065*
a lg (200 m W) 1,103* 430*
All irm sizes $1,518 $596
pos
a s (3–199 W) $2,596 nsd
a lg (200 m W) 1,806 nsd
All irm sizes $2,253 $1,164
hDhp/so
a s (3–199 W) $4,306* nsd
a lg (200 m W) 3,429* $1,815
All irm sizes $3,780 $2,053
exhiBit 7 .1 1
ag Cv W w G a h P dcb , avg dcb
Cvg, b dcb tp, P tp, sz, 2010
* e c w p cb p bw a s a lg (p<.05).nsd: n sfc d.
n: avg g p cb PPo, Pos p, hdhP/so w vc. t
v g bw p v ggg cb wc b’ pc
p c w cb p v p c b, pc w
b b q c .
k/hret sv epsp h B, 2010.
s o u r c e :
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t h e k a i s e r a m i ly 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
e x h i B i t 7 . 1 2
ag Cv W w G a h P dcb Cvg,
avg aggg dcb , b P tp, 2006–2010
* e c pv w b p p (p<.05).
n: avg g p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2006–2010.
s o u r c e :
2006 2007 2008 2009 2010
hmo $751 $759 $1,053 $1,524* $1,321
PPo $1,034 $1,040 $1,344* $1,488 $1,518
Pos $1,227 $1,359 $1,860 $2,191 $2,253
hdhP/so $3,511 $3,596 $3,559 $3,626 $3,780
$1–$499 $500–$999 $1,000–$1,999 $2,000 m
hmo
aggg a 28% 9% 36% 27%
sp a 50% 33% 16% 1%
ppo
aggg a 7% 33% 35% 24%
sp a 58% 24% 12% 6%
pos
aggg a 7% 9% 21% 63%
sp a 18% 22% 37% 23%
hDhp/so‡
aggg a 0% 0% 0% 100%
sp a 0% 0% 48% 52%
e x h i B i t 7 . 1 3
ag Cv W w G a h P dcb Cvg,
d b dcb , b P tp dcb tp, 2010
‡ B , 100% cv w hdhP/so w ggg cb v cb $2,000 .
n: avg g p cb PPo, Pos p, hdhP/so w vc. t
v g bw p v ggg cb wc b’ pc
p c w cb p v p c b, pc w
b b q c .
k/hret sv epsp h B, 2010.
s o u r c e :
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http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 126/212
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t h e k a i s e r a m i ly 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
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
HDHP/SO
POS
HMO
PPO
TWO
THREE
FOUR OR MORE WITH SPECIFIED LIMIT
NO LIMIT
OTHER
44%38%
35% 17%8%40%
39% 16%
11% 6%
<1%
38% 7%
51%
<1%
2% 1%
22% 23%
exhiBit 7 .1 4
ag Cv W w sp p P G a h P dcb
Cvg, d b m nb mb rq m
dcb , b P tp, 2010
n: avg g p cb PPo, Pos p, hdhP/so
w vc. t v g bw p v
ggg cb wc b’ pc p c
w cb p v p c b,
pc w b b q c .
t “” cg w v p pp
cb, c pp w cp.
k/hret sv epsp h B, 2010.
s o u r c e :
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8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 128/212
7
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t h e k a i s e r a m i ly 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
hmo PPo Pos hdhP/so
Pc oc V P C 83% 70% 81% 37%§
Pvv C 96% 91% 87% 93%
Pcp dg 94% 92% 92% 56%§
saat Ct san a hta Adn hmo PPo Pos hdhP/so§ All plANs
sp a dcb hpz 5% 6% 2%* <1%* 5%
Cp / Cc
Cp 44* 16 25 2* 19
Cc 17* 63* 37* 59 53
B Cp Cc‡ 10 10 16 <1* 10
Cg P d 11* 3* 14 1* 5
n 22 15* 20 38* 19
exhiBit 7 .1 6
ag Cv W w G a h P dcb , Pcg w Cvg
wg svc W hvg m dcb , b P tp, 2010
exhiBit 7 .1 7
d b Cv W w sp C sg hp a a
a G a dcb , b P tp, 2010
§ Pcg cv w hdhP/hra . B hdhP/hra hsaq hdhP w
b pvv b, b hdhP/hra w b pc fc v p c
pcp g. hsaq hdhP q b w pp p cb vc.
n: t q w cb g cvg. avg g
p cb PPo, Pos p, hdhP/so w vc.
k/hret sv epsp h B, 2010.
s o u r c e :
* e c a P (p<.05).
‡ t c w q p g cp cc p.
§ i p cb p w cc hdhP/hra bc g
hsaq hdhP p w v p cb pcc vc.
n: a p , w cc cg pv p
g p cb. hwv, bgg w 2009 v, b cp pvc
cb c g, v w cg q. Pv, q
p c p p c g, c p cb, cp, cc,
p p ( pz ). d cg q , b w w p
c g q 100% w c cb p c g. l 1% cv
w v “” p c g p .
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
avg
Cp
avg
Cc
Cg
P d
saat Ct san a hta Adn
hmo $267 17% $245
PPo 213 17 157*
Pos 206 19 303
hdhP/so nsd 19 nsd
All plANs $232 18% $228
saat Ct san an otatnt s
hmo $134 16% na
PPo 127 17 na
Pos 146 18 nahdhP/so nsd 19 na
All plANs $132 17% NA
exhiBit 7 .1 9
ag Cv W w sp C sg hp a op
sg a a G a dcb , avg C s g, b P tp, 2010
* e c a P (p<.05).
nsd: n sfc d.
na: n ppcb. t v “Cg P d” (p ) p p q b p c
g c p g p.
n: t vg p cb p $723 vg p cb p
g $963. i c w w bv p vg b p p. t vg
c w w v cb p c g. a P wg b w
p c g. s sv dg m sc wgg.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
Cp oCc
o
B Cp
Cc‡ n C sg
n
abv
pa Ca
hmo* 94% 1% 4% 1% <1%
PPo* 80 16 3 1 <1
Pos* 90 4 3 2 0
hdhP/so* 15 51 3 30 2
All plANs 75% 16% 3% 5% <1%
scat Ca
hmo* 93% 1% 4% 2% <1%
PPo* 77 17 3 3 1
Pos* 90 5 4 2 <1
hdhP/so* 13 50 3 32 2All plANs 73% 17% 3% 6% 1%
enc r vt
hmo* 85% 5% 6% 4% 0%
PPo* 62 18 13 5 1
Pos* 69 10 19 2 <1
hdhP/so* 15 37 15 31 1
All plANs 61% 17% 13% 8% 1%
e x h i B i t 7 . 2 0
i a a G a P dcb, Pcg Cv W w wg
tp C sg Pc oc V egc r V, b P tp, 2010
* db c a P b (p<.05).
‡ t c w q p g cp cc p.
n: i 2010, v c q c g w vc . s 2007 v
w fc v c g. i 2010, v b pvc c pc fc v
p p c pc c. P 2010 v p c p cp
fc v, w p cp b p pc c v. t v w
p p p cp p c v cc v w pc pc.
t cg 2010 w v p c g p c pc c.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
Pcg Cv Ww egc r C sg
ag W w egc r
C sg, Pcg CvW w C sg Wv
iv a hp
hmo 96%* 85%*
PPo 95* 71
Pos 98* 82*
hdhP/so 69* 48*
All plANs 92% 72%
hmo PPo PoshdhP/
so
All
plANs
pa Ca
avg Cp P C Pc oc V $21* $22 $24* $25 $22
avg C c P C Pc oc V nsd 18% nsd 18% 18%
scat Ca
avg Cp spc Pc oc V $29 $31 $36 $34 $31
avg Cc spc Pc Pc oc V nsd 18% nsd 18% 18%
enc r vt
avg Cp egc r V $95* $109 $110 $124* $107
avg Cc egc r V 15% 17% 19%* 17% 17%
exhiBit 7 .2 1
i a a P dcb , Pcg Cv W w egc r C
sg, b P tp, 2010
exhiBit 7 .2 2
ag Cv W w Cp / Cc inw Pc o c
egc r V , avg Cp Cc, b P tp, 2010
* e c a P (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
* e c a P (p<.05).
nsd: n sfc d.
n: t v p p c g w fc v. i 2010, v b
pvc c pc fc v p p c pc c. P 2010 v
p c p cp fc v, w p cp b p
pc c v. t v w p p p cp p c v
cc v w pc pc. t cg 2010 w v p c g
p c pc c.
k/hret sv epsp h B, 2010.
s o u r c e :
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t h e k a i s e r a m i ly 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
$5 P V $10 P V $15 P V $20 P V $25 P V $30 P V o
hmo
2004 3% 28% 40% 22% 3% 3% 1%
2005* 5 23 34 27 6 4 1
2006 3 21 37 25 8 5 2
2007* 3 20 25 34 13 4 1
2008* 6 16 29 30 11 5 3
2009 5 11 29 31 13 8 3
2010* 1 8 22 38 15 12 4
ppo
2004 1% 17% 35% 28% 11% 4% 3%
2005* <1 16 25 34 15 5 4
2006 <1 12 25 35 17 7 32007* 2 11 24 35 19 7 2
2008 1 11 22 34 21 8 3
2009* <1 11 18 34 23 11 2
2010* 1 7 16 31 25 13 6
pos
2004 3% 17% 34% 36% 8% <1% 1%
2005* 2 16 35 30 11 6 1
2006* 2 22 26 27 16 6 <1
2007* 2 10 36 25 15 6 5
2008* 2 14 19 27 21 12 7
2009* 1 8 14 39 21 12 4
2010* 1 7 11 24 20 29 8
hDhp/so‡
2007 7% <1% 12% 38% 13% 19% 12%
2008 0 2 17 33 9 18 21
2009 <1 4 24 29 11 29 4
2010 0 2 17 34 10 17 20
All plANs
2004 1% 19% 37% 27% 9% 3% 3%
2005* 2 17 29 32 12 5 3
2006 2 15 28 32 15 6 3
2007 2 14 25 34 17 7 2
2008 2 13 23 33 18 8 4
2009* 2 10 21 34 20 11 2
2010* 1 7 18 32 22 15 6
e x h i B i t 7 . 2 3
ag Cv W w Cp Pc oc V w P C Pc,
db Cp, b P tp, 2004–2010
* db c b pv w (p<.05).
‡ t fc p 2006 v. i w b hdhP/so p 2006.
n: Cp PPo, Pos, hdhP/so p w pv. t v pcc b
cp p c pc c 2005. i 2004, v q pc p pc pc.
k/hret sv epsp h B, 2004–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
$5 P
V
$10 P
V
$15 P
V
$20 P
V
$25 P
V
$30 P
V
$35 P
V
$40 P
Vo
hmo
2006 3% 14% 20% 20% 17% 13% 5% 5% 4%
2007* 2 11 12 26 22 14 5 7 2
2008* 2 13 14 18 20 16 5 5 7
2009* 3 6 17 15 17 18 7 9 8
2010* 1 4 9 18 12 18 9 19 10
ppo
2006 <1% 9% 15% 25% 20% 15% 6% 5% 5%
2007 1 8 13 24 18 16 8 7 4
2008* <1 7 14 21 17 15 9 9 8
2009* <1 8 10 20 14 15 11 11 11
2010* 1 4 8 14 15 16 12 17 14
pos
2006 2% 13% 13% 17% 18% 17% 8% 5% 8%
2007* 7 6 10 21 19 16 6 6 9
2008* 1 7 8 14 13 21 11 9 17
2009 1 4 5 17 11 25 6 14 17
2010* 1 5 4 10 15 17 6 10 31
hDhp/so‡
2007 0% 7% 5% 23% 7% 18% 5% 21% 15%
2008 0 2 11 18 4 27 3 9 28
2009 <1 4 11 18 8 23 15 11 9
2010 0 2 5 16 12 12 5 22 26
All plANs
2006 2% 10% 15% 22% 19% 16% 6% 5% 5%
2007 2 8 12 24 20 16 6 7 5
2008* 1 9 13 18 17 16 8 8 10
2009* 1 7 11 18 14 17 10 11 11
2010* 1 4 8 14 14 17 10 18 15
exhiBit 7 .2 4
ag Cv W w Cp Pc oc V w spc C
Pc, db Cp, b P tp, 2006–2010
* db c b pv w (p<.05).
‡ t fc p 2006 v.
n: Cp PPo, Pos, hdhP/so p w pv. i cp pc
pc fc v w b p 2006. t v p p c g w
fc v. P 2010 v p c p cp fc v, w p
cp b p pc c v. t v w p p p
cp p c v cc v w pc pc. t cg 2010 w
v p c g p c pc c.
k/hret sv epsp h B, 2006–2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
$5 P V $10 P V $15 P V $20 P V o
1999 23% 60% 12% 1% 3%
2000* 22 54 16 3 6
2001* 15 56 22 3 4
2002* 7 52 27 11 3
2003* 4 35 37 12 12
2004* 3 28 40 22 7
2005* 5 23 34 27 11
2006 3 21 37 25 15
2007* 3 20 25 34 18
2008* 6 16 29 30 19
2009 5 11 29 31 24
2010* 1 8 22 38 31
Cnanc rat 10% 15% 20% 25% 30% 35% 40% 45% o
pa Ca
PPo 31% 67% 2% <1% 1%
hdhP/so 40 53 7 0 1
All plANs 33% 64% 3% <1% <1%
scat Ca
PPo 27% 70% 2% 1% 1%
hdhP/so* 39 50 6 0 4
All plANs 30% 65% 3% <1% 2%
e x h i B i t 7 . 2 5
ag Cv W hmo w Cp Pc o c V , d b
Pcg W w V Cp , 1999–2010
e x h i B i t 7 . 2 6
ag Cv W w Cc Pc o c V , d b avg
Cc r , b P tp, 2010
* db c b pv w (p<.05).
n: t v pcc b cp p c pc c 2005. P 2005, v
q pc p pc pc.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
* db c a P b (p<.05).
n: Cc hmo Pos p w bc fc 1% 4% cv
w, pcv, c cc p c fc v 1% 5% cv w, pcv, c
cc pc c fc v.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
sg Cvg Cvg
hmo 37%* 38%*
PPo 13* 13*
Pos 32* 30*
hdhP/so na na
All plANs 18% 17%
exhiBit 7 .2 7
Pcg Cv W W a oPc m sg
Cvg, b P tp, 2010
* e c a P (p<.05).
na: n appcb. hsaq hdhP q v pc b
$5,950 g cvg $11,900 cvg 2010. hdhP/hra v c q, pcg
cv w hdhP/hra w “n l” pc g cvg 8%
8%, pcv.
k/hret sv epsp h B, 2010.
s o u r c e :
hmo PPo Pos hdhP/so‡
G a P dcb 19% 32% 20% 9%
a a P dcb nsd 57% nsd nsd
Pc oc V Cp 54% 74% 50% 53%
Pc oc V Cc nsd 4% nsd 1%
Pcp dg C sg 75% 80% 73% 42%
exhiBit 7 .2 8
ag Cv W w a oPc m, Pcg W spg
V svc d n C tw oPc m, 2010
‡ ag hdhP/so p, q “v p cb” w hdhP/hra hsaqhdhP. hsaq hdhP q pp c g pc . W hdhP/hra
c cv, g cv w w pc , pcg w pc
c c vc w: p cb nsd, fc v cp 52%,
fc v cc 1%, pcp g c g 42%.
nsd: n sfc d.
n: t q p pc g cvg.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
POS*
PPO*
HMO*
$999 OR LESS
$1,000$1,499
$1,500$1,999
$2,000$2,499
$2,500$2,999
$3,000 OR MORE
WITH A SPECIFIED LIMIT
19% 22%5% 16%
5% 10%
14%3% 6%
12%
32%
15% 27%
27%
8% 21%24%
35%
HDHP/SO* 7%
2%
14% 17% 59%
ALL PLANS 4% 13% 18% 21% 13% 31%
e x h i B i t 7 . 2 9
ag Cv W w oPc m sg Cvg, d b
oPc m, b P tp, 2010
* db c a P b (p<.05).
n: db g cv w cg pc pc
. hsaq hdhP q b w v pc
$5,950 g cvg $11,900 cvg 2010.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
n l aggg asp a
p P
hmo
a s (3–199 W) 40% 47% 13%
a lg (200 m W) 37 49 14
All irm sizes 38% 48% 14%
ppo
a s (3–199 W) 19% 58% 23%
a lg (200 m W) 11 65 24
All irm sizes 13% 63% 24%
pos
a s (3–199 W) 37% 56% 7%
a lg (200 m W) 19 71 9
All irm sizes 30% 62% 8%
hDhp/so‡
a s (3–199 W) 8% 81% 10%
a lg (200 m W) 1 93 5
All irm sizes 4% 88% 7%
All irms
a s (3–199 W)* 24% 59% 17%
a lg (200 m W)* 14 66 20
All irm sizes 17% 63% 19%
exhiBit 7 .3 0
d b tp oPc m Cv W w Cvg, b P
tp sz, 2010
* db c bw a s a lg w p p (p<.05).
‡ hsaq hdhP q b w v pc b $5,950 g
cvg $11,900 cvg 2010. W c cc, b p
pc hdhP/hra w: a s – 20% n l, 69% aggg a, 12%
sp a p P; a lg – 2% n l, 92% aggg a, 5% sp a p P;
a sz – 8% n l, 84% aggg a, 8% sp a p P.
n: t v g bw p v ggg pc pp pg
b cv p p p p pc pp pg b c
b b b. ag w w pc , 78% w hmo
v ggg pc , 72% PPo v ggg pc , 89% Pos p v
ggg pc , 77% a P v ggg pc .
k/hret sv epsp h B, 2010.
s o u r c e :
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t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
POS*
PPO*
HMO*
$1,999 OR LESS
$2,000$2,999
$3,000$3,999
$4,000$4,999
$5,000$5,999
$6,000 OR MORE
WITH A SPECIFIED LIMIT
20% 20%5% 12%
6% 8%
12%3% 7%
12%
32%
5%
30%
8% 35%12%
14% 60%
HDHP/SO* 3% 6% 18%14% 58%
ALL PLANS 4% 10% 19% 17% 13% 37%
<1%
e x h i B i t 7 . 3 1
ag Cv W w aggg oPc m Cvg,
d b oPc m, b P tp, 2010
* db c a P b (p<.05).
n: db g cv w cg pc pc
. hsaq hdhP q b w v pc
$5,950 g cvg $11,900 cvg 2010. t v g
bw p v ggg pc pp pg b
cv p p p p pc pp
pg b c b b b.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
PPO
HMO
<1%
11%44% 27%
43%
57% 23%
17%
17% 13%
1%
26%
1%
19%HDHP/SO
44% 11%
1%
17%28%ALL PLANS
TWO
THREE
FOUR OR MORE
WITH A SPECIFIED LIMIT
NO LIMIT
OTHER
0% 20% 40% 60% 80% 100%
PPO
HMO*
$1,999 OR LESS
$2,000$2,999
$3,000$3,999
$4,000$4,999
$5,000$5,999
$6,000 OR MORE
WITH A SPECIFIED LIMIT
12% 4%6%42% 31%
45%
11% 6% 39%
4%
18% 9%
<1%
28%
33% 10% 1%HDHP/SO*
40% 9%15% 6%28% 2%ALL PLANS
exhiBit 7 .3 2
ag Cv W w s p p P oPc m Cvg,
d b oPc m, b P tp, 2010
* db c a P b (p<.05).
n: db g cv w cg pc pc
. t v g bw p v ggg pc
pp pg b cv p p p p
pc pp pg b c b b
b. db pc Pos p w
fc b bv.
k/hret sv epsp h B, 2010.
s o u r c e :
exhiBit 7 .3 3
ag Cv W w s p p P oPc m Cvg,
d b m nb mb rq m m, b P
tp, 2010*
* t c c bw p p b a P b (p<.05).
n: t v g bw p v ggg pc
pp pg b cv p p pc pp
pg b c b b b. db pc
Pos p w fc b bv. t “” cg
w v p pp pc , c p
p w cp.
k/hret sv epsp h B, 2010.
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
Hg-Ddcb
H P
w Sg
O
8
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t h e k a i s e r a m i ly 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
h i g h - D e D u C t i B l e h e a lt h p l a n S W i t h S a v i n g S o p t i o n
changes in la w over Th e pasT fe w years have permiTTed Th e esTablishmenT of ne w Types of savings
arrangemenTs for healTh care. The Tw o mosT common are healTh reimbursemenT arrangemenTs (hras)
and healTh savings accounTs (hsas). hras and hsa s are boTh financial accounTs ThaT workers or Their
family members can use To pay for healTh care services. These savings arrangemenTs are ofTen (or, in The
case of hsa s, always) paired wiTh healTh plans wiTh high deducTibles. The survey TreaTs high-deducTible
plans ThaT can be paired wiTh a savings opTion as a disTincT plan Type—h igh -d educTible healTh plan wiTh
savings opTion (hdhp/so)—even if The plan would oTherwise be considered a ppo, hmo, pos plan, or
convenTional healTh plan. specifically for The survey, hdhp/sos are defined as (1) healTh plans wiTh a
deducTible of aT leasT $1,000 for single coverage and $2,000 for family coverage1 offered wiTh an hra
(referred To as hdhp/hras); or (2) high-deducTible healTh plans ThaT meeT The federal legal requiremenTs
To permiT an enrollee To esTablish and conTribuTe To an hsa (referred To as hsa-qualified hdhps).2
1 t g q cb p w hra. t v gcb
p p w cb $1,000 g cvg $2,000 cvg. w q
cb $1,200 g cvg $2,400 cvg hsaq hdhP 2010. s t
B hdhP/hra hsaq hdhP.
2 t hdhP/so c cv p p, c g cb hra
w wcb p g wc ( p c hra
c hsa) b cc c . o g b c
v vv.
n o T e :
p e r C e N TA g e o i r m s o e r i N g
h D h p / h r A A N D h s A - Q u A l i i e D h D h p ,
A N D e N r o l l m e N T
F c g b
HDHP/HRA, HSA-qd HDHP, b
2010, . Ag g
b, 4% HDHP/HRA d
12% HSA-qd HDHP (Exb 8.1),
c d cg
d .
F w 1,000 wk
k HDHP/SO .
T- c w 1,000
wk HDHP/SO cd 15%
w 3 199 wk 21%
w 200-999 wk (Exb 8.2).
T cg w 1,000
wk g HDHP/SO cd
2010 34% 28% 2009 (Exb 8.3).
E HDHP/SO cd 8%
13% cd wk 2010 (Exb 8.4).
S c cd wk d
HDHP/HRA d 6% d HSA-
qd HDHP. HDHP/HRA
cd 3% 2009 7% 2010.
E HSA-qd HDHP d
6% 2010, cg 2009
(Exb 8.4).
N c cd wk
(3–199 wk) d HSA-qd
HDHP, cd 5% wk g (200 wk) (Exb 8.5).
p l A N D e D u C T i b l e s
A xcd, wk d HDHP/SO
g ddcb wk d HMO,
PPO, POS .
T g g ddcb g
cg $1,737 HDHP/HRA d $2,096
HSA-qd HDHP (Exb 8.6). T
g d
2009. T wd g
g ddcb g
cg (Exb 8.8).
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t h e k a i s e r a m i l y o u n d at 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
M wk HDHP/HRA (94%) d HSA-
qd HDHP (92%) d
g ddcb b c
cd (Exb 8.11).
Sc 2006, ccd
w ddcb. T k
w ddcb
(1) ggg (.., --ckx b cd
ddcb d), (2) -
c b (c w
b b wd
b qd ddcb ).
T g ggg ddcb wk
w cg $3,577 HDHP/
HRA d $4,006 HSA-qd HDHP
(Exb 8.6). T wd
g ggg g ddcb
cg (Exb 8.10).
Wk HSA-qd HDHP
c gc g ddcb g
cg ($2,284) d cg ($4,258)
wk w HSA-qd HDHP
g , w ddcb g $1,895 g cg d $3,734 ggg
ddcb cg.
o u T - o - p o C k e T m A x i m u m A m o u N T s
HSA-qd HDHP g qd
x --ck b
$5,950 g cg d $11,900
cg 2010. HDHP/HRA
q.
Helth Rebeet Aeet (HRA)
dc c b bd
b c b d b
c. HRA dd b
. E c c k
cd b HRA
d dc x cd
b dd. HRA
ccg dc, d
qd xd d c
x wd b cd b HRA.
U d HRA c b cd
x ( w ).
E c k HRA bc w
jb, g
c c k g bc
b c.
HRA d g w g-
ddcb (HDHP). I c c,
c
HRA d --ck
ddcb . S c
c c c
c dg d b b
ddcb.
Helth Sv Acct (HSA) g
cc cd b dd
c. A dd b HSA
cd b “qd ” wc
w g ddcb (.., ddcb
$1,200 g cg d $2,400
cg 2010)
q.1 E c cg
c HSA b g HDHP
d q. E
c b
dg HSA , cg c,
gg b HSA d.
B d c cb
HSA, c $3,050
g cg d $6,150
cg 2010. E cb
HSA d -c x b,d g
d HSA g ddc.
E qd cb HSA
bd b b, c
d , cb xb
. I d g
HSA xb. Wdw
HSA b cc w
qd c x xd. T
g cc wd b dd w
c cc,
HSA bc jb.
1 s u.s. dp t, h svg acc, vb p://www..gv/fc/pbc/
/p/2010hsa%20.p.
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t h e k a i s e r a m i ly 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 g --ck x
g cg $3,622 HDHP/HRA3 d
$3,186 HSA-qd HDHP (Exb 8.6).
A w ddcb, k
w --ck xb (1) ggg
dg b cd ,
(2)
dg b c b d
b b. T k
w dg b c
c wd g --ck
x.
Ag cd wk w cg
w --ck x ggg
dg b cd
, g
$7,096 HDHP/HRA d $6,066
HSA-qd HDHP (Exb 8.6).
p r e m i u m s
I 2010, g HDHP/
HRA $4,702 g cg d $13,068
cg. T HDHP/HRA g
cd wk w g cg
w g g cg
wk HDHP/SO
(Exb 8.7).
T g wk HSA-
qd HDHP $4,233 g cg d$11,683 cg. T
w g g d
wk HDHP/SO
(Exb 8.7). P cd gc
bw 2009 d 2010 HSA-qd HDHP
$3,829 $4,233 g cg d
$10,396 $11,683 cg.
W o r k e r C o N T r i b u T i o N s T o p r e m i u m s
T g wk cb
wk d HDHP/HRA
$799 g cg d $3,604
cg (Exb 8.6).
T g wk cb
wk HSA-qd
$444 g cg d $3,457
cg (Exb 8.6). T g cb
g cg wk HSA-qd
HDHP gc g
cb d b cd wk
HDHP/SO (Exb 8.7).
e m p l o y e r C o N T r i b u T i o N s T o p r e m i u m s
A N D s A v i N g s o p T i o N s
E cb HDHP/SO w w:
g cb wd d g cb
( , c HSA) g cc
(.., HRA HSA ).
Lkg j
cb , cd wk
HDHP/HRA g c
cb $3,903 g cg d
$9,464 cg. (Exb 8.7).
T g cb
wk HSA-qd HDHP
$3,789 g cg d $8,225
cg. T w
g cb g
cg wk
HDHP/SO (Exb 8.7).
3 t vg pc hdhP/hra cc p w pc . ab 10%
cv w hdhP/hra w g cvg cvg p p vg
pc p.
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t h e k a i s e r a m i ly 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
0%
10%
20%
30%
40%
50%
3199 WORKERS* 200999 WORKERS 1,000 OR MORE WORKERS*
15%
21%
34%
HDHP/HRA HSAQUALIFIED HDHP EITHER HDHP/HRA OR
HSAQUALIFIED HDHP‡
2005
2006
2007
2008
2009
2010
0%
10%
20%
30%
40%
50%
2% 1%3% 2%
4%3% 2%
6%* 7%10%
12%11%
4%7%
10%
15%
12%13%
e x h i B i t 8 . 1
ag og h B, Pcg t o hdhP/hra / hsaQ
hdhP, 2005 –2010
e x h i B i t 8 . 2
ag o g h B , Pcg t o hdhP/so, b sz, 2010
* e c pv w (p<.05).
‡ t 2010 c 0.3% g b b hdhP/hra hsaq hdhP.
t cpb pcg 2005, 2006, 2007, 2008 2009 0.3%, 0.4%, 0.2%, 0.3% 0.1%, pcv.
k/hret sv epsp h B, 20052010.
s o u r c e :
* e c c z cg (p<.05).
n: t 2010 c 0.3% g b b hdhP/hra hsaq hdhP.
k/hret sv epsp h B, 2010.
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3199 WORKERS 200999 WORKERS 1,000 OR MORE WORKERS
0%
10%
20%
30%
40%
50%
4%7%
10% 11%
15%13%
4% 5%
13%*
18%21%
15%
10%
17%* 18%
28%*
34%*
22%
2005
2006
2007
2008
2009
2010
e x h i B i t 8 . 3
ag o g h B , Pcg t o hdhP/so, b sz, 2005–2010
* e c pv w (p<.05).
n: t 2010 c 0.3% g b b hdhP/hra
hsaq hdhP. t cpb pcg 2005, 2006, 2007, 2008 2009 0.3%, 0.4%, 0.2%, 0.3%
0.1%, pcv.
k/hret sv epsp h B, 2005–2010.
s o u r c e :
HDHP/HRA HSAQUALIFIED HDHP HDHP/SO
0%
10%
20%
30%
40%
50%
2% 3% 3%
7%*
3% 2% 3%6% 6%
4%* 4% 5%8%
13%*
8%*
2006
2007
2008
2009
2010
e x h i B i t 8 . 4
Pcg Cv W e hdhP/hra hsaQ hdhP, 2006–2010
* e c pv w (p<.05).
k/hret sv epsp h B, 2006–2010.
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t h e k a i s e r a m i ly 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
HDHP/HRA HSAQUALIFIED HDHP* HDHP/SO
ALL SMALL FIRMS 3199 WORKERS
ALL LARGE FIRMS 200 OR MORE WORKERS
ALL FIRMS
0%
10%
20%
30%
40%
50%
7% 7% 7%9%
5% 6%
16%
12% 13%
e x h i B i t 8 . 5
Pcg Cv W e hdhP/hra hsaQ hdhP, b sz, 2010
* e c bw a s a lg
w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
e x h i B i t 8 . 6
hdhP/hra hsaQ hdhP Cv W, 2010
hDhp/hrA hsAQad hDhp
Anna pan Aa : sg sg
P $4,702 $13,068 $4,233 $11,683
W Cb P $799 $3,604 $444 $3,457
G a dcb‡ $1,737 $3,577 $2,096 $4,006
oPc m lb‡ $3,622 $7,096 $3,186 $6,066
Cb hra hsa§ $907 $1,619 $558 $1,006
‡ eg pc w hdhP/hra v p p pc g cvg
cvg. t w c hdhP/hra pc b cc. t cb
pc vg w b hdhP/hra hsaq hdhP cvg cv w w
p c ggg . ag cv w hdhP/hra, 16% p w cb p p p 8% p w pc p p p . ag
cv w hsaq hdhP, pcg 7% cb 7% pc .
§ W cb hsa (60% g 61% cvg) c cc,
vg cb hsa cv w $858 g cvg $1,546 cvg. hdhP/hra, w
p c vb hra cb c. hra
cc, p q c p c p. t, p p
c vb p g hra. t, p cb
hra w cp v c p w c p.
k/hret sv epsp h B, 2010.
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exhiBit 8 .7
avg a P Cb svg acc Cv W hdhP/hra
hsaQ hdhP, Cp a nhdhP/so P, 2010
hDhp/hrA hsAQad hDhp NnhDhp/so pan§
sg sg sg
Tta Anna p $4,702* $13,068 $4,233* $11,683* $5,136 $13,979
W Cb P $799 $3,604 $444* $3,457 $939 $4,069
Cb P $3,903 $9,464 $3,789* $8,225* $4,197 $9,910
Anna Cnttn t t hrA
hsA‡
$907 $1,619 $558 $1,006 na na
Tta Anna Cnttn
( s P P
Cb hra hsa)
$4,810* $11,083* $4,347 $9,231 $4,197 $9,910
Tta Anna Ct(t P P
Cb hra hsa,
appcb)
$5,608* $14,687 $4,791* $12,688* $5,136 $13,979
* e c a nhdhP/so P (p<.05).
‡ W cb hsa (60% g 61% cvg) c
cc, vg cb hsa cv w $858 g cvg $1,546
cvg. hdhP/hra, w p c vb hra
cb c. hra cc, p q c
p c p. t, p p c vb p g hra. t, p cb hra w cp v
c p w c p.
§ i cp c hdhP/so p hdhP/so, w c cp vb cg
hdhP/so .
na: n appcb.
n: V w b q cp p. t vg p b
ggg v vg, wc gc ppp g vg. t
v t a P, t a Cb, t a C.
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
HDHP/SO
HSAQUALIFIED HDHP
HDHP/HRA
$1,000$1,499
$1,500$1,999
$2,000$2,999
$3,000 OR MORE
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
25%16%
28% 43%
23% 35%
46%
22%
33%
13%
6%
9%
e x h i B i t 8 . 8
d b Cv W w wg G a dcb a sg
Cvg, hsaQ hdhP hdhP/hra, 2010
n: t cb w hsaq hdhP $1,200 2010
ccg g. t, b hsaq hdhP $1,200.
k/hret sv epsp h B, 2010.
s o u r c e :
aggg a sp a p P
hdhP/hra 84% 16%
hsaQ hdhP 93 7hDhp/so 89% 11%
e x h i B i t 8 . 9
ag Cv W , d b tp G a dcb Cvg,
hdhP/hra hsaQ hdhP, 2010
n: t v g bw p v ggg cb wc b’ pc
p c w cb, p v p c b, pc w
b b q c .
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
HDHP/HRA HSAQUALIFIED HDHP HDHP/SO
73%
48%
61%
exhiBit 8 .1 2
Pcg Cv W P Cp s hdhP/hra hsaQ
hdhP, 2010
n: s i P, c sc 10.
k/hret sv epsp h B, 2010.
s o u r c e :
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
HSAQUALIFIED HDHP
HDHP/HRA
$0
$1$399
$400$599
$600$799
$800$999
$1,000$1,199
$1,200 OR MORE
7%35%
4% 39%
19%
23%
17% 6% 15%
1%
16% 17%
2%
exhiBit 8 .1 3
d b Cv W w wg a ep Cb hra
hsa, sg Cvg, 2010
n: g cvg, 60% p g hsaq hdhP (cvg 35% w
p) cb w hsa w b.
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
HSAQUALIFIED HDHP
HDHP/HRA
$0
$1$999
$1,000$1,499
$1,500$1,999
$2,000$2,499
$2,500$2,999
$3,000 OR MORE
21%35%
9% 45%
19%
20%
11% 4% 8%
13% 3% 10%
1%
e x h i B i t 8 . 1 4
d b Cv W w wg a ep Cb hra
hsa, Cvg, 2010
n: cvg, 61% p g hsaq hdhP (cvg 35% w
p) cb w hsa w b.
k/hret sv epsp h B, 2010.
s o u r c e :
sg Cvg Cvg
Cb rg,
rv avg
Cb
Cb
rg
Pcg
Cv W
rg
Cb
rg
Pcg
Cv W
rg
l 80% l $725 51% l $1,295 50%
80% l t avg $725 <$907 16% $1,295 <$1,619 23%
avg l t 120% $907 <$1,088 16% $1,619 <$1,943 1%
120% m $1,088 m 17% $1,943 m 26%
e x h i B i t 8 . 1 5
d b Cb hra sg Cvg rv
avg a Cb hra, 2010
n: t vg cb hra $907 g cvg $1,619 cvg. t hra cc
cb b v vg g cc cb. p, $725 80% vg
g hra cc cb $1,088 120% vg g hra cc cb. t b p
v vg b cvg.
k/hret sv epsp h B, 2010.
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t h e k a i s e r a m i ly 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
exhiBit 8 .1 6
d b Cb hsa sg Cvg rv
avg a Cb hsa, 2010
n: t vg cb hsa $558 g cvg $1,006 cvg. t b
c w w cb. t hsa cc cb b v vg
g cc cb. p, $446 80% vg g hsa cc cb $670 120%
vg g hsa cc c b. t b p v vg b
cvg.
k/hret sv epsp h B, 2010.
s o u r c e :
sg Cvg Cvg
Cb rg,rv avg
Cb
Cb
rg
Pcg Cv W
rg
Cb
rg
Pcg Cv W
rg
l 80% l $446 43% l $804 47%
80% l t avg $446 <$558 17% $804 <$1,006 10%
avg l t 120% $558 <$670 5% $1,006 <$1,207 8%
120% m $670 m 35% $1,207 m 36%
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t h e k a i s e r a m i ly 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
saat Ct san a hta Adn hdhP/hrahsaQ
hdhP
hdhP/so§
dcb <1% na <1%
Cp / Cc
Cp 3 1% 2
Cc 71 44 59
B Cp Cc‡ <1 0 <1
Cg P d <1 1 1
n 25 54 38
saat Ct san an otatnt s ed
dcb 3% na 1%
Cp / Cc
Cp 7 1% 4Cc 70 46 59
B Cp Cc‡ 0 0 0
n 23 53 37
saat Ct san pa Ca pcan oc vt
Cp o 22% 7% 15%
Cc o 57 42 51
B Cp Cc‡ 6 0 3
n 15 47 30
saat Ct san scat Ca pcan oc vt
Cp o 21% 4% 13%Cc o 57 42 50
B Cp Cc‡ 6 0 3
n 15 51 32
saat Ct san enc r vt
Cp o 26% 4% 15%
Cc o 32 42 37
B Cp Cc‡ 27 2 15
n 15 50 31
e x h i B i t 8 . 1 7
d b Cv W hdhP/hra hsaQ hdhP w wg tp
C sg a G a dcb , 2010
‡ t c w q p g cp cc p.
§ i p cb p p g w cc hdhP/hra .
na: n appcb. i p cb p p g w cc
hsaq hdhP bc g p w v p cb pcc vc.
n: t b w w p c g q 100% w c cb p c
g. n cv w hdhP/so v “” p c g p p g,
2% v “” p c g p c pc fc v, 2% v “” p c g pc
pc fc v, 1% v “” p c g gc v.
k/hret sv epsp h B, 2010.
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
Pc
Dg B
9
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144
t h e k a i s e r a m i ly 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
p r e S C r i p t i o n D r u g B e n e f i t S
almosT al l covered workers have coverage for prescripTion drugs. more Than Three in four covered
workers are in plans wiTh Three or more cosT-sharing Tiers for prescripTion drugs. copaymenTs raTher
Than coinsurance conTinue To be The dominanT form of cosT sharing for prescripTion drugs.
A , (99%) cd wk
-d c
dg b.
A g j cd wk (89%) 2010
d c-g c
dg (Exb 9.1). C-g g
cd w cg dg
d dg , wc c
dg gc, d, d. O
, cg b
cd dg c g, wc
b d dg x bgc.
S-g c cd wk
d w , ,
c g c dg,
cg (Exb 9.1).
HDHP/SO d c-g
c dg .
O 53% cd wk HDHP/SO
w c g
c dg. T c
100% c c c
ddcb (Exb 9.2).
Ag wk cd b w
c g c dg, g
j c c cc
(Exb 9.3). T cg d g c
dg bc c
dg d cc dg .
F cd wk w , ,
c g c dg, g dg c - dg
($11) w c w d
($10). T g c d
cd- dg ($28), d d- dg
($49) w g g
d 2009 (Exb 9.4).
F cd wk w , ,
c g c dg
w c cc c,
cc g 17% - dg,
25% cd- dg, d 38% d-
dg, wc cg
d (Exb 9.4).
T c cd wk
c g
c dg (Exb 9.1). F cd
wk w c-g , 46%
c c - dg d 24%
c cc (Exb 9.3).
T g c - dg
$89 d g cc 36%. T
c d
d 2009 (Exb 9.4).
E c cd wk
w c dg c g
(Exb 9.1). S wk w
c-g , c
c cc wk w
w (Exb 9.5). T g c
$10, d g c
cd $28 (Exb 9.6). T g
cc cd 27%;
w c d cc
(Exb 9.6).
F c cd wk cd b
wc c g gd
dg c (Exb 9.1). Ag
cd wk, 51% c d 39%
cc (Exb 9.7). Uk
, cd wk HDHP/SO w
c g gd dg w
k c cc c
(84% . 12%) c (Exb 9.7).
F wk w c g
gd dg, g
c $13 d g cc
24% (Exb 9.8).
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t h e k a i s e r a m i l y o u n d at 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
Geec : A dg dc gcd b c d b
dcd d/ dbd b dg
c.
Peee : Dg cdd
d dg ; x, bd- dg
w gc b.
Npeee : Dg cdd
d dg ; x,
bd- dg w gc b.
Fth-te : Nw c-gg c bd dd
g c cc
cc dd dg, c
dg bgc.
B-e : G, dg dc
cd b d cd d d
xc b . C-cg cc
cc, wg dd k dg.
A x, c dc
dg dc, b bd dk
w g c’ dc.
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t h e k a i s e r a m i ly 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
0% 20% 40% 60% 80% 100%
2000
2010*
2009*
2008*
2007‡
2006
2005*
2004‡
2003*
2002*
2001*
FOUR OR MORE TIERS
THREE TIERS
TWO TIERS
PAYMENT IS THE SAME
REGARDLESS OF TYPE OF DRUG
NO COST SHARING AFTER
DEDUCTIBLE IS MET
OTHER
27% 49% 2%
1%
1%
2%
1%
2%
2%
1%
1%
22%
41% 41% 18%
55% 30% 13%
63% 23% 13%
65% 20% 10%
70% 15% 8%
69% 16% 8%
68% 16% 6%
70%
3%
4%
5%
7%
7% 15% 4%
1%65%13% 11% 4%5%
3%67%11% 12% 3%5%
2%
3%
e x h i B i t 9 . 1
d b Cv W cg d Csg Pcp dg
B , 2000–2010
* db c b pv w (p<.05).
‡
n c cc bw 2003 2004 bw 2006 2007 w cg.
n: g cg w b p 2004.
k/hret sv epsp h B, 2000–2010.
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tT D, otn Cad gnc D Cpo
Cco
e
Cp
Cc‡
P P
e C
a a
dcb
a m
s
o
a
hmo* 91% 2% 2% 1% 4%
PPo 84 8 4 1 2
Pos* 95 1 1 2 1
hdhP/so* 71 20 3 4 2
All plANs 84% 8% 4% 1% 3%
scndT D, otn Cad pd
D
Cp
Cc
P a
dc§
hmo* 79% 9% 3% 0% 10%
PPo 72 13 9 <1 7
Pos* 96 1 2 0 1
hdhP/so* 64 16 16 0 4
All plANs 72% 12% 9% <1% 7%
TdT D, otn Cad Nnd
D
hmo* 77% 10% 3% 0% 10%
PPo 68 14 10 <1 8Pos* 93 3 2 <1 1
hdhP/so* 60 18 16 2 4
All plANs 69% 14% 9% <1% 8%
tT D
hmo* 72% 16% 2% 2% 7%
PPo 42 29 2 1 27
Pos* 33 8 2 0 57
hdhP/so* 40 42 0 0 18
All plANs 46% 24% 2% 1% 26%
e x h i B i t 9 . 3
ag W w t, , m t C sg, d b Cv W
w wg tp C sg Pcp dg, b dg P tp, 2010
* db c a P b w g p (p<.05).
‡ Cg c w q p g cp cc p.
§ Cg c w w p cp cc p c bw c pcp c
cpb gc g.
n: t b c 1% cv w w p p “ bv” v q
b p pcp g cg . Gc, P, np, t dg,
t B c sc 9.
k/hret sv epsp h B, 2010.
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* e c pv w (p<.05).
^ g cp cc w b p 2004.
nsd: n sfc d.
k/hret sv epsp h B, 2000–2010.
s o u r c e :
e x h i B i t 9 . 4
ag Cv W w t, , m t Pcp C sg, avg
Cp avg Cc, 2000–2010
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Aa Cant
t dg, o C Gc $8 $8 $9 $9* $10* $10 $11* $11 $10 $10 $11
sct dg, o C P $15 $16* $18* $20* $22* $23* $25* $25 $26 $27 $28*
tt dg, o C np $29 $28 $32* $35* $38* $40* $43* $43 $46* $46 $49*
t dg ^ ^ ^ ^ $59 $74 $59 $71* $75 $85 $89
Aa Cnanc
t dg, o C G c 18% 18% 18% 18% 18% 19% 19% 21% 21% 20% 17%
sct dg, o C P nsd 23% 24% 23% 25% 27% 26% 26% 25% 26% 25%
tt dg, o C np 28% 33% 40% 34%* 34% 38% 38% 40% 38% 37% 38%
t dg ^ ^ ^ ^ 30% 43%* 42% 36% 28% 31% 36%
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e x h i B i t 9 . 5
ag W w tw t C sg Pcp dg, db Cv W
w wg tp C sg Pcp dg, b dg P tp, 2010
* db c a P b w g p (p<.05).
‡ t c w q p g cp cc p.
§ Cg c w w p cp cc p c bw c pcp
c cpb gc g.
nsd: n sfc d.
n: t b c 1% cv w w p p “ bv”
v q b p pcp g cg . Gc P dg,
t B c sc 9.
k/hret sv epsp h B, 2010.
s o u r c e :
tT D, otn Cad gnc D Cpo
Cco
eCp
Cc‡
P P
e Ca a
dcb
a m
so
a
hmo* 98% 2% <1% 0% 1%
PPo 85 7 5 3 1
Pos nsd nsd nsd nsd nsd
hdhP/so nsd nsd nsd nsd nsd
All plANs 88% 6% 3% 2% 1%
scndT D, otn Cad pd
DCp
o
Cc
o
e
Cp
Cc‡
Cp
Cc
P
dc§
s
o
a
hmo* 88% 11% <1% 0% 1%
PPo* 47 21 9 0 23
Pos nsd nsd nsd nsd nsd
hdhP/so nsd nsd nsd nsd nsd
All plANs 62% 18% 6% 0% 15%
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t h e k a i s e r a m i ly 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
e x h i B i t 9 . 7
ag W w s C sg rg tp dg, db Cv
W w wg tp C sg Pcp dg, b P tp, 2010
* db c a P b (p<.05).
‡ t c w q p g cp cc p.
nsd: n sfc d.n: t b c 1% cv w w p p “ bv” v q
b p pcp g c g .
k/hret sv epsp h B, 2010.
s o u r c e :
Cp
o
Cc
o
e
Cp
Cc‡
s
o a
hmo* 87% 9% 0% 4%PPo* 23 61 1 15
Pos nsd nsd nsd nsd
hdhP/so* 12 84 0 4
All plANs 51% 39% <1% 9%
* e c pv w (p<.05).nsd: n sfc d.
k/hret sv epsp h B, 2000–2010.
s o u r c e :
e x h i B i t 9 . 6
ag Cv W w tw t Pcp C sg, avg Cp avg
Cc, 2000–2010
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Aa Cant
t dg, o C Gc $7 $8* $9* $9 $10 $10 $11 $10 $11 $10 $10
sct dg, o C P $14 $15* $18* $20* $22* $22 $23 $23 $24 $26 $28
Aa Cnanc
t dg, o C G c 19% 17% 20% 21% 17% 16% 22% 21% 19% nsd nsd
sct dg, o C P 28% 25% 25% 28% 25% 24% 27% 28% 32% 28% 27%
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t h e k a i s e r a m i ly 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
* e c pv w (p<.05).
k/hret sv epsp h B, 2000–2010.
s o u r c e :
e x h i B i t 9 . 8
ag Cv W w s C sg rg tp dg, avg Cp
avg Cc, 2000–2010
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Aa Cant $8 $10* $10 $10 $14* $10* $13* $13 $15 $15 $13
Aa Cnanc 22% 20% 23% 22% 25% 23% 23% 22% 24% 22% 24%
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
P
Fdg
10
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154
t h e k a i s e r a m i ly 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
p l a n f u n D i n g
The employee reTiremenT income securiTy acT (erisa) of 1974 exempTs self-funded plans from sTaTe
insurance laws , including reserve requiremenTs, mandaTed benefiTs , premium Taxes, an d consumer
proTecTion regulaTions . ove r on e half (59%) of covered workers ar e in a self-funded healTh plan.
because larger firms have more employees over whom To spread The risk of cosTly claims, self funding is
more common an d less risky for larger firms Than for smaller ones.
Sg (59%) cd wk
-dd (Exb 10.1). T
cg cd wk w
c -dd d
b w , b cd
44% 1999.
B , 67% cd wk PPO,
61% HDHP/SO, 61% c
, 41% HMO, d 32% POS
-dd (Exb 10.2).
A xcd, cd wk g (200
wk) k b -dd
wk (3–199 wk)
(83% . 16%) (Exb 10.3). T cg
cd wk -dd c
b c.
Eg c cd wk w1,000 4,999 wk d 93% cd
wk w 5,000 wk
-dd 2010 (Exb 10.3).
Sel-Fe Pl: A c g
wc dc c
b c ’ dc
c. E g -dd
c cc w d- d d d c
-dd . I c,
b - cg
c g g c.
Fll Ie Pl: A c g
wc cc w
c b c
’ dc c.
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* e c pv w (p<.05).
n: d cg v q, g w w cv p 2006.
t, cv p g c b 2006. s i p, c sc 10.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
* e c pv w (p<.05).
^ i w b cv p 2006 hdhP/so p p 2006.
n: d cg v q, g w w cv p 2006.
t, cv p g c b 2006. s
i p, c sc 10.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
e x h i B i t 1 0 . 1
Pcg Cv W P Cp s P, b sz, 1999–2010
e x h i B i t 1 0 . 2
Pcg Cv W P Cp s P, b P tp, 1999–2010
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–199 W 13% 15% 17% 13% 10% 10% 13% 13% 12% 12% 15% 16%200–999 W 51 53 52 48 50 50 53 53 53 47 48 58*
1,000–4,999 W 62 69 66 67 71 78 78 77 76 76 80 80
5,000 m W 62 72 70 72 79 80 82 89 86 89 88 93
All irms 44% 49% 49% 49% 52% 54% 54% 55% 55% 55% 57% 59%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Cv 65% 64% 65% 58% 49% 43% 53% ^ 53% 47% 48% 61%
hmo 16 23* 31* 27 29 29 32 33 34 40 40 41
PPo 60 63 61 61 61 64 65 63 65 64 67 67
Pos 42 45 42 40 44 46 36 32 34 29 25 32
hdhP/so ^ ^ ^ ^ ^ ^ ^ 50 41 35 48* 61*
All plANs 44% 49% 49% 49% 52% 54% 54% 55% 55% 55% 57% 59%
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t h e k a i s e r a m i ly 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
10
* e c c z, g, cg (p<.05).
n: s i p, c sc 10.
k/hret sv epsp h B, 2010.
s o u r c e :
exhiBit 1 0 .3
Pcg Cv W P Cp s P , b sz, rg,
i , 2010
s
(ep B s a c r)
irm size
200–999 W 58%
1,000–4,999 W 80*
5,000 m W 93*
A sa (3–199 W) 16%*
A la (200 m W) 83%*
regioN
n 58%
mw 66*
s 60
W 53
iNDusTry
agc/mg/Cc 35%*
mcg 71*
tp/Cc/u 72*
W 66
r 63
c 63
svc 53*
s/lc Gv 66
h C 56
All irms 59%
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t h e k a i s e r a m i ly 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
e x h i B i t 1 0 . 4
Pcg Cv W P Cp s P, b P tp
sz, 2010
* e c c z cg w p p (p<.05).
n: s i p, c sc 10.
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
Cv hmo PPo Pos hdhP/so
3–199 W nsd 9%* 18%* 9* 24%*
200–999 W nsd 23* 69 53 53
1,000–4,999 W nsd 59* 85* 60* 88*
5,000 m W nsd 65* 96* 85* 99*
All irms 61% 41% 67% 32% 61%
* e c pv w (p<.05).
n: s i p, c sc 10.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
e x h i B i t 1 0 . 5
Pcg Cv W P Cp s hmo P, b sz,
1999–2010
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–199 W 5% 4% 14% 10% 5% 4% 10% 3% 1% 10% 6% 9%
200–999 W 14 13 23 16 21 18 17 29 19 22 26 23
1,000–4,999 W 22 27 32 31 37 49 50 54 44 48 50 59
5,000 m W 19 35* 40 38 44 40 44 47 58 66 61 65
All hmo plANs 16% 23%* 31%* 27% 29% 29% 32% 33% 34% 40% 40% 41%
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10
* e c pv w (p<.05).
n: s i p, c sc 10.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
* e c pv w (p<.05).
n: s i p, c sc 10.
k/hret sv epsp h B, 1999–2010.
s o u r c e :
exhiBit 1 0 .6
Pcg Cv W P Cp s PPo P , b sz,
1999–2010
exhiBit 1 0 .7
Pcg Cv W P Cp s Pos P , b sz,
1999–2010
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–199 W 19% 23% 23% 15% 13% 13% 18% 19% 17% 15% 21% 18%
200–999 W 69 72 66 63 60 63 67 61 65 55 55 69*
1,000–4,999 W 84 89 87 83 85 88 88 85 87 85 87 85
5,000 m W 87 88 87 93 93 93 95 97 90* 94 93 96
All ppo plANs 60% 63% 61% 61% 61% 64% 65% 63% 65% 64% 67% 67%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
3–199 W 10% 10% 10% 10% 8% 9% 9% 6% 14% 9% 5% 9%200–999 W 35 39 40 21* 42* 42 31 36 33 20 39 53
1,000–4,999 W 62 71 60 67 73 63 48 62 47 52 53 60
5,000 m W 75 77 76 67 71 77 74 80 89 65 76 85
All pos plANs 42% 45% 42% 40% 44% 46% 36% 32% 34% 29% 25% 32%
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t h e k a i s e r a m i ly 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
* e c pv w (p<.05).
n: i g hdhP/so w cc p 2006. s i p, c sc 10.
k/hret sv epsp h B, 2006–2010.
s o u r c e :
e x h i B i t 1 0 . 8
Pcg Cv W P Cp s hdhP/so, b sz,
2006–2010
2006 2007 2008 2009 2010
3–199 W 7% 4% 7% 18% 24%
200–999 W 57 27 48 36 53
1,000–4,999 W 81 86 72 81 88
5,000 m W 100 97 91 96 99
All hDhp/so 50% 41% 35% 48%* 61%*
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t h e k a i s e r a m i ly 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
r e t i r e e h e a l t h B e n e f i t S
reTiree healTh benefiTs are an imporTanT consideraTion for older workers making decisions abouT Their
reTiremenT. healTh benefiTs for reTirees also provide an imporTanT supplemenT To medicare for reTirees
ag e 65 or older. among firms offering healTh benefiTs To Their workers , large firms (200 or more
workers) are much more likely Than small firms (3–199 workers) To offer reTiree healTh benefiTs. afTer
falling dramaTically in Th e laTe 1980s an d early 1990s, Th e percenTage of large firms (200 or more
workers) offering reTiree healTh benefiTs has remained relaTively consTanT.
w-g c g (200
wk) b
cg 2010,
30% 2009, b dw 34% 2005 d66% 1988 (Exb 11.1).1
Og b cdb
b ccc.
Lg c k
b —28% . 3%
(Exb 11.2).
Ag g b,
d c g k
(87%) g d
b. I c, g
c d k
(17%) b w
cd g d
(Exb 11.2).
Lg w w - wk (
35% wk ) k
b g w
- wk (35% wk )—30% . 17% (Exb 11.3).
Lg w wk k
b g w
wk—41% . 21% (Exb 11.3).
Lg w d wk (35%
g 50 d) k
b g w w
d wk ( 35% g 50
d)—34% . 25% (Exb 11.3).
Ag g b,
g b
d g 65 (93%).
A w cg (75%) g g
b Mdc-g
(Exb 11.4).
1 W w c 0.46% g c cvg b v g
b. hc b v b cc cpb.
n o T e :
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1988 1991 1993 1995 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
66%
46%
36%4 0% 4 0% 41%
35%39%
36%38% 37%
34% 35% 34%
28%30%31%
e x h i B i t 1 1 . 1
ag a lg (200 m W) o g h B acv W ,
Pcg o g r h B , 1988–20 10*
* t c c pv w (p<.05). n c cc
p 1999.
n: d v b c 1% g w p “, b ” p 2010.
hc b v b cc cpb.
k/hret sv epsp h B, 1999–2010; kPmG sv epsp
h B, 1991, 1993, 1995, 1998; t h ic ac ac (hiaa), 1988.
s o u r c e :
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exhiBit 1 1 .2
ag og h B acv W, Pcg og r h
B, b sz, rg, i, 2010
* e c w s lg cg c
z, g, cg (p<.05).
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
a s
(3–199 W)
a lg
(200 m W)
irm size
3–199 W 3% —
200–999 W — 22%*
1,000–4,999 W — 39*
5,000 m W — 48*
regioN
n 2% 32%
mw 5 25
s 3 28
W 2 27
iNDusTry
agc/mg/Cc 1%* 30%
mcg 6 24
tp/Cc/u nsd 34
W 10 30
r 0* 16
c 10 40
svc 2 24
s/lc Gv nsd 87*
h C <1* 17*
All irms 3% 28%
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e x h i B i t 1 1 . 3
ag a lg (200 m W) o g h B acv W ,
Pcg o g r h B , b Cc c , 201 0
FIRM DOES NOT HAVE ANY UNION WORKERS
FIRM HAS AT LEAST SOME UNION WORKERS
FEW WORKERS ARE LOWERWAGE
LESS THAN 35% EARN $23,000 A YEAR OR LESS
MANY WORKERS ARE LOWERWAGE
35% OR MORE EARN $23,000 A YEAR OR LESS
FEW WORKERS ARE PARTTIME
LESS THAN 35% WORK PARTTIME
MANY WORKERS ARE PARTTIME
35% OR MORE WORK PARTTIME
WAGE LEVEL
PARTTIME WORKERS*
UNIONS*
35% OR MORE WORKERS ARE 50 OR OLDER
LESS THAN 35% OF WORKERS ARE 50 OR OLDER
OLDER WORKERS*
35% OR MORE WORKERS ARE 26 OR YOUNGER
LESS THAN 35% OF WORKERS ARE 26 OR YOUNGER
YOUNGER WORKERS*
0% 10% 20% 30% 40% 50%
22%
29%
17%
30%
21%
29%
20%
25%
34%
41%
* e c c w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
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O FF ER H EA LT H B EN EF IT S T O E AR LY R ET IR EE S O FF ER H EA LT H B EN EF IT S T O M ED IC AR E AG E R ET IR EE S
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%93%
89%
98%* 96%93%
96% 94% 94%92% 92%93%
75%71%
73%76%
78%75%
81%77%
71%75%
68%
2 00 0 2 00 1 2 00 2 2 00 3 2 00 4 2 00 5 2 00 6 2 00 7 2 00 8 2 00 9 2 01 0 2 00 0 2 00 1 2 00 2 2 00 3 2 00 4 2 00 5 2 00 6 2 00 7 2 00 8 2 01 02009
exhiBit 1 1 .4
ag a lg (200 m W) o g h B acv W
og r Cvg, Pcg o g h B e mc
ag r , 2000–2010
* e c pv w (p<.05).
e r: W g b g 65.
k/hret sv epsp h B, 2000–2010.
s o u r c e :
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e x h i B i t 1 1 . 5
ag a lg (200 m W) og h B acv W og
r Cvg, Pcg og r h B e mcag
r, b sz, rg, i, 2010
* e c g c z, g, cg (p<.05).
e r: W g b g 65.
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
Pcg lgep og
r h B
e r
Pcg lgep og
r h B
mcag r
irm size
200–999 W 92% 72%
1,000–4,999 W 93 81
5,000 m W 93 76
regioN
n 91% 77%
mw 97* 76
s 91 71W 93 79
iNDusTry
agc/mg/Cc nsd nsd
mcg 93% 71%
tp/Cc/u 100* 75
W nsd nsd
r nsd nsd
c 88 77
svc 96 72
s/lc Gv 98* 76
h C nsd nsd
All lArge irms (200 m W) 93% 75%
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
12
W Pg,
H Rk A, d
D Mg
Pg
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t h e k a i s e r a m i l y o u n d at 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
4 l 1% p “d’ kw” w p g w pg.
5 sv pc p “d’ kw” w g w pg cv pvg
p. s pc “d’ kw” w w pg cv cg
c c.
n o T e :
Ag w c c
w, g (200 wk) k c c
(3–199 wk) cdg
(10% . 1%) ,
g g-ddcb w g
, g cc cb (7% .
1%) (Exb 12.4).
F d c
c d k d
dd d cg c w
g.
N c g b
d w g d
dd d cg c
w g, dw 20% 2009.
Ab 8% c
d dd d cg w
c, c 15%
d 2009 (Exb 12.5).
Lg (200 wk) k
(3–199 wk)
c cg w
c. F- c g
(200 wk) g b
d w b cg
c w g, cd
6% (3–199 wk). T-
c g g b d
w b c d dd
d cg c w, cd
6% (Exb 12.5).
Ag g b d w
g, 20%
g w g
d dc b.
F-x c g
b d w g b w
. Lg k
dcg c c (28% . 4%)
g d dcgb (34% . 19%) w
g w (Exb 12.6).4
Ag g HDHP/SO d w
b, 8% dc
w g w d dc
g-ddcb .
Ag g b d w
g, j (59%) k
g w g c g
’ . Ag
g cg d w
g, 44% k g w
g c dcg ’
c c. Lg k
k g w g c
g (81% . 57%) dcg
c c (69% . 42%) (Exb 12.7).5
h e A l T h r i s k A s s e s s m e N T s
S g
cg k d
k. H k
g cd q b dc ,
, d .
O, 11% g b
k , wc
c 16% d
. F- c g (200
wk) d , cd 10%
(3–199 wk) (Exb 12.8).
O (53%) k
d d
dd d cg c
w g. Sx- c g
k cg
c w g, cd 48% (Exb 12.8).
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t h e k a i s e r a m i ly 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
S c c cg
c k .
O g c
k , 22% c
c w c
k , w g (200
wk) k (3–199
wk) d (36% . 19%) (Exb 12.8).
T kd d
g c c b cc
c . Ag
d g c c
w c k ,
39% d g cd,
, cd, c; 14%
d
; 8% d
ddcb; d 1% d
w cc (Exb 12.9).
w- c g
, cd 8%
(Exb 12.9).6
D i s e A s e m A N A g e m e N T
D g g
d dc c cd w
w cc b cg b
d, ggg , d
g c d c.
T w g
cd d g
g 31% 2010, 26%
d 2008, q w
kd. T cg g (200
wk) cd d g
w g cd
59% 2008 67% 2010. Lg (200
wk) k
(3–199 wk) d g
g (67% . 30%). cg
c, 2% c
c w c d
g g (Exb 12.10).
6 t , w c cv p w cp
pv g c, v, c, c, w 2009, q w g
, cg w p c cv.
n o T e s :
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e x h i B i t 1 2 . 1
ag og h B, Pcg og Pc W Pg t
ep, b sz, rg, i, 2010
* e c w p w pg c z,g, cg (p<.05).
n: t p w pg p eb 12.2.
k/hret sv epsp h B, 2010.
s o u r c e :
G
mbpdc
os
ec
c
sg
C
Pg
Wbbrc
h
lvg
W
nw
P
h
Ccg
irm size
3–24 W 27% 19%* 49% 42% 8%*
25–199 W 35 35* 52 46 20*
200–999 W 59* 57* 78* 59* 40*
1,000–4,999 W 71* 66* 84* 58* 44*
5,000 m W 77* 76* 92* 64* 56*
A sa (3–199 W) 29%* 23%* 49%* 43%* 11%*
A la (200 m W) 63%* 60%* 80%* 60%* 42%*
regioN
n 58%* 46%* 56% 62%* 11%
mw 29 22 46 27* 16
s 22 14* 59 44 10
W 15* 19 37 40 12
iNDusTry
agc/mg/Cc 5%* 8%* 37% 28% 6%
mcg 30 34 59 38 20
tp/Cc/u 33 30 73 29 23
W 38 29 43 47 18r 5* 10* 17* 12* 6
c 27 24 49 71* 28
svc 39 24 52 46 10
s/lc Gv 14 12 86* 81* 7
h C 39 45 70 65 7
All irms 30% 24% 51% 44% 12%
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exhiBit 1 2 .2
ag og h B, Pcg og Pc W Pg t
ep, b sz, rg, i, 2010
* e c w p w pg c z,
g, cg (p<.05).
‡ ic wg w pg: wg pg, g bp c c c,
g c pg, p ccg, c vg, wbb c
vg, w w. rp w gv p p p
w b. i p “” c pcg g w
b, pcg 76%.
n: t p w pg p eb 12.1.
k/hret sv epsp h B, 2010.
s o u r c e :
Wg lPg
C
n/h lvg
o l
o spcW
Pg‡
o WPg
irm size
3–24 W 27% 22% 74% 5%*
25–199 W 33 24 72 20*
200–999 W 49* 44* 91* 29*
1,000–4,999 W 61* 52* 96* 36*
5,000 m W 66* 57* 98* 47*
A sa (3–199 W) 29%* 23%* 74%* 8%*
A la (200 m W) 53%* 47%* 92%* 32%*
regioNn 50%* 38% 78% 14%
mw 18 27 69 6
s 20 13* 82 7
W 33 22 65 7
iNDusTry
agc/mg/Cc 10%* 6%* 55% 19%
mcg 26 23 76 12
tp/Cc/u 28 26 91* 8
W 36 27 65 8
r 32 31 68 3*
c 27 30 90* 16svc 31 22 75 5
s/lc Gv 10* 7* 93* 8
h C 45 43 86 11
All irms 29% 24% 74% 9%
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e x h i B i t 1 2 . 3
ag og h B, Pcg w wg W
B, b sz rg, 2010
* e c c z g (p<.05).
n: t v g w pg w b pv b
p b .
k/hret sv epsp h B, 2010.
s o u r c e :
W B o
sp dp
m W B
a Pv B h P
irm size
3–24 W 45% 89%
25–199 W 56 86
200–999 W 66* 69*
1,000–4,999 W 67* 65*
5,000 m W 79* 57*
A sa (3–199 W) 47%* 88%*
A la (200 m W) 68%* 67%*
regioN
n 52% 95%
mw 42 78
s 53 83
W 40 94
All irms 48% 87%
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exhiBit 1 2 .4
ag og h W B, Pcg t o spcc icv
ep W Pcp W Pg, b sz rg, 2010
* e c w p cv c z g (p<.05).
‡ o hdhP/hra hsaq hdhP w pcpg p cv g cb
cv pcp w pg.
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
W
P sPcg
P
W
hv s
dcb
W
rcv hghra hsa
Cb‡
W
rcv G
C, tv,
mc,
C
irm size
3–24 W 0%* 1% nsd 5%*
25–199 W 2 0 2% 16*
200–999 W 8* 2 5 21*
1,000–4,999 W 15* 4* 5 27*
5,000 m W 13* 2 16* 28*
A sa (3–199 W) 1%* <1%* 1%* 7%*
A la (200 m W) 10%* 2%* 7%* 23%*
regioN
n <1%* 1% 1% 9%
mw 2 <1 2 8
s 1 1 5 9
W 1 <1 <1* 7
All irms 1% 1% 2% 8%
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t h e k a i s e r a m i ly 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
e x h i B i t 1 2 . 5
ag og h B W Pg, Pcg t u spcc m
i iv ecg Pcp W Pg, b sz, rg,
i, 2010
* e c c z, g, cg (p<.05).
‡ a ’ cg pcp w w p
p . a c q b c , ,
, g p bg .
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
h u C i
h r
h r a‡
irm size
3–24 W 3%* 4%* nsd
25–199 W 13 12 49%
200–999 W 48* 30* 67
1,000–4,999 W 52* 47* 67
5,000 m W 66* 59* 80*
A sa (3–199 W) 6%* 6%* 48%*
A la (200 m W) 51%* 37%* 69%*
regioNn 8% 5% 64%
mw 6 15 55
s 11 8 52
W 9 6 44
iNDusTry
agc/mg/Cc 3%* 7% nsd
mcg 10 9 62%
tp/Cc/u 24 13 45
W 6 28 38
r 2* 2* 31
c 11 20 41svc 8 5 61
s/lc Gv 27* 15 52
h C 11 5 71
All irms 9% 8% 53%
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t h e k a i s e r a m i ly 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
IMPROVE THE HEALTH
OF EMPLOYEES/REDUCEABSENTEEISM*
REDUCE HEALTH
CARE COSTS*
IMPROVE EMPLOYEE
MORALE ANDPRODUCTIVITY
PART OF THE HEALTH
PLAN*
OTHER*
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
19%
34%
20%
4%
28%
6%
11%
5%
10%
59%
19%
56%
6%
13%
6%
ALL SMALL FIRMS (3–199 WORKERS)
ALL LARGE FIRMS (200 OR MORE WORKERS)
ALL FIRMS
exhiBit 1 2 .6
ag og h B W Pg, Pcg rpg
wg ’ P r og W Pg, b sz, 2010
exhiBit 1 2 .7
ag og h B W Pg, Pcg t t og
W Pg ecv i pvg h rcg C, 2010
* e c c z cg (p<.05).
n: sv pc p “d’ kw” w g w pg cv pvg
p. s pc “d’ kw” w w pg cv cg ’
c c.
k/hret sv epsp h B, 2010.
s o u r c e :
ecv ipvg
h ep
ecv rcg
' h C C
irm size
3–24 W 53% 37%*
25–199 W 70 57
200–999 W 81* 70*
1,000–4,999 W 79* 65*
5,000 m W 79* 74*
A sa (3–199 W) 57%* 42%*A la (200 m W) 81%* 69%*
All irms 59% 44%
* e c bw a s a lg
w cg (p<.05).
n: l 1% pc p “d’ kw” q b p g w.
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 1 2 . 8
ag o g h B , Pcg t o ep h r
a , o icv Cp a , u a ic
W Pcp, b sz rg, 2010
* e c c z g (p<.05).
‡ ag g p p cp .
n: a c q b c , , , g
p bg .
nsd: n sfc d.
k/hret sv epsp h B, 2010.
s o u r c e :
o ep
op
Cp h
r a
o cicv
ep W
Cp
a‡
u h r
a
ic W
Pcp‡
irm size
3–24 W 6%* nsd nsd
25–199 W 23* 17% 49%
200–999 W 50* 30 67
1,000–4,999 W 60* 44* 67
5,000 m W 79* 49* 80*
A sa (3–199 W) 10%* 19%* 48%*
A la (200 m W) 55%* 36%* 69%*
regioN
n 11% 35% 64%
mw 7 33 55
s 15 15 52
W 11 16 44
All irms 11% 22% 53%
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l
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t h e k a i s e r a m i ly 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
exhiBit 1 2 .9
ag og c icv h r a, Pcg t o
wg icv Cp a, b sz rg, 2010
* e c c z g (p<.05).
n: a c q b c , , , g
p bg .
k/hret sv epsp h B, 2010.
s o u r c e :
W P
s
Pcg
P
W
hv sdcb
W
hv lwCc
W rcv
G C, tv,
mc,
C
irm size
200–999 W 19% 10% 8% 59%
1,000–4,999 W 39* 7 2 49
5,000 m W 41* 6 2 48
A sa (3–199 W) 8%* 7% 0% 33%
A la (200 m W) 29%* 8% 5% 54%
regioN
n 6% 2% 2% 17%*
mw 38* 4 3 49
s 12 20 <1 46
W 5 1 0 62
A 14% 8% 1% 39%
exhiBit 1 2 .1 0
ag og h B, Pcg t o d mg Pg
t P w lg e Pcg w d mg og
c icv Pcp, b sz, 2010
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
30%
67%
31%
1%7%
2%
PLAN INCLUDES
A DISEASE MANAGEMENT PROGRAM*
FIRM OFFERS FINANCIAL INCENTIVES TO PARTICIPATE
IN A DISEASE MANAGEMENT PROGRAM*‡
ALL SMALL FIRMS (3–199 WORKERS)
ALL LARGE FIRMS (200 OR MORE WORKERS)
ALL FIRMS
* e c bw a s a lg w
cg (p<.05).
‡ ag g b g pg
p w g .
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
exhiBit 1 2 .1 1
ag og h B t hv d mg Pg t P w
lg e, Pcg w Pc Pg, b sz, rg, i, 2010
* e c c z, g, cg (p<.05).
n: t p g pg p eb 12.12. t v
g pg pg pv c c c w
pp w cc b cg p b c , ggg p, g
pc c.
k/hret sv epsp h B, 2010.
s o u r c e :
db a hp hg C
irm size
a s (3–199 W) 100%* 92% 88% 83%
a lg (200 m W) 98%* 89% 90% 83%
regioN
n 100% 98% 96% 89%
mw 100 93 92 87
s 100 84 74 72
W 100 94 96 88
iNDusTry
agc/mg/Cc 100% 97% 54% 57%
mcg 100 95 89 90tp/Cc/
u100 83 93 80
W 100 98 96 94
r 100 98 98* 76
c 100 99 91 73
svc 100 95 95 92
s/lc Gv 100 34* 31* 30*
h C 100 99 98* 96*
A 100% 92% 88% 83%
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l
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t h e k a i s e r a m i ly 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
exhiBit 1 2 .1 2
ag o g h B t hv d mg Pg t P
w lg e , Pcg w Pc Pg, b sz, rg,
i , 2010
* e c c z, g, cg (p<.05).
n: t p g pg p eb 12.11. t v
g pg pg pv c c c w
pp w cc b cg p b c , ggg p, g
pc c. t p q w bc p p
g pg g, 27% 21%, pcv. s sv dg m sc
p.
k/hret sv epsp h B, 2010.
s o u r c e :
lw Bc P dp ob
irm size
a s (3–199 W) 46% 68% 70%
a lg (200 m W) 48% 59% 63%
regioN
n 49% 75% 83%
mw 63 66 77
s 31 67 48*
W 54 55 71
iNDusTry
agc/mg/Cc 24% 38% 47%mcg 22* 69 75
tp/Cc/u 16* 79 18*
W 71 36* 79
r 82* 38 52
c 55 62 68
svc 67* 80 83
s/lc Gv 29 31 28
h C 24 90* 91*
All irms 46% 68% 69%
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
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69%
$1
3,
77
0
$ 5
,
0 4
9
2010
Employer Health Benefits
2 0 1 0 a n n u a l s u r V e y
sect ion
E
O d
H P
Pcc
13
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Eple Helth Beeft 2010 Anna s
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184
t h e k a i s e r a m i ly 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
e M p l o y e r o p i n i o n S a n D h e a l t h p l a n p r a C t i C e S
employers play a significanT role in healTh insurance coverage—sponsoring healTh benefiTs for abouT
157 million nonelderly people in america1—so Their opinions an d experiences are imporTanT facTors
in healTh policy discussions . employers were asked how They view differenT approaches To conTaining
cosT increases an d abouT employer healTh plan pracTices , such as changes in response To Th e menTal
healTh pariTy and addicTion equiTy acT , review of qualiTy indicaTors, and wheTher They shopped for (or
swiTched To) a new healTh plan.
e m p l o y e r o p i N i o N s o N C o s T C o N T A i N m e N T
A , cdg d d
b, w kd w c
d g wd b dcg gw c c. Fw
ggd g “ c”
cg c (bw 13% d 25% ,
ddg g). Ab -d
(bw 30% d 36%) c
c w kd b wd b “w
c” cg c gw (Exb 13.1).
Ab q c-
d (25%) d g
(24%) “ c” cg c
c (Exb 13.1). Fw
g c g (13%), g gd c c (16%) wd
b “ c” dcg gw
c c. S (3–199 wk)
k g gd c
c wd b “ c” g
(200 wk) (16% . 9%).
e m p l o y e r ’s r e s p o N s e T o T h e e C o N o m i C
D o W N T u r N
gg cc
dw, c q w cdd
’ b w
dcd b cd cg d dw.
T c dcg
c b cg c g
d 23% cg
cg cc dw. I 2010, cd
2009, g dcg
c b cg c g
(38% 2010 . 22% 2009), cg
cg (36%
2010 . 22% 2009). M g
cg
(36% . 22%)
(Exb 13.2).
F , kd
dwzd dg c cc
dw. Ag g b, 42%
dwzg, w g bg
k dwz (53% .
42%) (Exb 13.2).
m A r k e T T u r N o v e r
W kd c
d w c c w
.
Sx c c
d w c
c (Exb 13.3). Ag
d , 27%
cgd c c d 33% cgd
(Exb 13.4).
1 k , k C mc u, t u: a P, ocb 2009.
n o T e :
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Eple Helth Beeft 2010 Anna s
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186
t h e k a i s e r a m i ly 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
p e r o r m A N C e i N D i C A To r s
T kd w
c dc ’ c
cc q.
O, 6% w cdc ’ c cc
q. Lg (200 wk)
k w c dc
(3–199 wk) (34% . 5%)
(Exb 13.8).
Lg w c dc
wg wg
: c d (76%),
NCQA ccd (58%), CAHPS
c c (57%), HEDIS
(33%), d URAC ccd (23%)
(Exb 13.8). W w c
w kd w
c w ’ dc
c , 16% d
“ ” d 34% d “w
.” I c, 18%
d “ d” w
b q,
d dd 56% d “w d”
(Exb 13.9).
T A x - p r e e r r e D h e A l T h s p e N D i N g
F- c b
w -x d
c wb d
Sc 125 I R Cd.
V g (200 wk) d ,
92%, 54% (3–199 wk)
(Exb 13.10).3
Eg c b
xb dg cc (FSA). A FSA
w d d -x
b dc x cd b
c. c, dcd
bgg w c d FSA, d ddc
’ cck . Fd
d FSA b d b d
d b . FSA d
HRA d HSA. Sb dc
x b z: 77% g (200
wk) FSA, cd w j 15%
(3–199 wk) (Exb 13.10).
A N N u A l b e N e i T m A x i m u m s
Fw cd wk w
b w
.
O, 12% cd wk
w x b g
cg (Exb 13.11).
B , 20% cd wk HDHP/
SO, 12% cd wk PPO, 4%
cd wk HMO, d 9% cd
wk POS b
x g cg (Exb 13.11).
C o N T r A C e p T i v e A N D e l e C T i v e
A b o r T i o N C o v e r A g e
T 2010 cdd q b cg
c cc d c
b.
T j (63%)
w g c
c cc, c b
c , c, , , IUD,
dg. Hw, dd 31%
dd “D’ Kw” (Exb 13.12). Mg g c
c cc
(85% . 62%). Lg w k
“D’ Kw” w kd w
g c c cc
(4% . 32%).
T j (71%) dd “D’
Kw” q w w
g c c b,
w dd 9% d c
b cd (Exb 13.12). Lg
k g c c b
(19% . 9%) d k “D’
Kw” (31% . 72%).
3 pc p “ ppcb;” p, p 100% c cvg.
n o T e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 1 3 . 1
ag B og n og h B, db ’ op
ecv wg sg C h ic C, b sz, 2010
* db c bw a s a lg w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
V
ecv
sw
ecv
n t
ecv
n a a
ecv
d’
kw
Tt manad Ca rtctn*
a s (3–199 W) 16% 32% 23% 21% 8%
a lg (200 m W) 9% 34% 35% 18% 4%
All irms 16% 32% 24% 21% 8%
CnDn hat pan
(e: hDdct pan Cnd
wt a hat san Accnt)
a s (3–199 W) 25% 34% 18% 17% 6%
a lg (200 m W) 21% 38% 22% 16% 3%
All irms 25% 34% 18% 17% 6%
h e Ct san
a s (3–199 W) 13% 30% 25% 27% 5%
a lg (200 m W) 18% 36% 26% 18% 2%
All irms 13% 30% 25% 27% 5%
Da manant pa*
a s (3–199 W) 23% 36% 14% 22% 5%
a lg (200 m W) 31% 40% 21% 6% 3%
All irms 24% 36% 14% 21% 5%
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
h
13
exhiBit 1 3 .2
ag og h B, Pcg t rp t m wg
Cg r ecc dw, b sz rg, 2010
* e c c z g (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
rc scp
h B ic C
sg
ic
W' s P
Cpdwz
irm size
200–999 W 36% 35%* 50%
1,000–4,999 W 42* 38* 59*
5,000 m W 42 43* 62*
A sa (3–199 W) 30% 22%* 42%*
A la (200 m W) 38% 36%* 53%*
regioN
n 36% 26% 40%
mw 32 13* 48
s 28 34 44
W 26 14 36
All irms 30% 23% 42%
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 1 3 . 3
Pcg og h B t spp nw P h ic C
P y, b sz, 2010
3199
WORKERS
200999
WORKERS
1,0004,999
WORKERS*
5,000 OR
MORE
WORKERS*
ALL FIRMS
0%
20%
40%
60%
80%
100%
60%
56%
40%38%
60%
* e c w cg c z cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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h
13
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
CHANGED INSURANCE CARRIER CHANGED HEALTH PLAN TYPE
3199 WORKERS
200999 WORKERS
1,0004,999 WORKERS
5,000 OR MORE WORKERS
ALL FIRMS
28%
33%
22%
34%
27%
34%
21%
28%
33%
18%*
exhiBit 1 3 .4
ag og h B t spp nw P ic C, Pcg
rpg t t Cg ic C / h P tp P y, b sz, 2010
* e c w cg
c z cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 1 3 . 5
ag og m t o h P, Pcg t o c icv
eg lw C P hg Q P, B sz, 2010*
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
OFFER EMPLOYEES INCENTIVE TO ENROLL IN A LOWER COST PLAN OFFER EMPLOYEES INCENTIVE TO ENROLL IN A HIGHER QUALITY PLAN
ALL SMALL FIRMS 3199 WORKERS
ALL LARGE FIRMS 200 OR MORE WORKERS
ALL FIRMS
14%
20%
14%
2% 2%3%
* t c c bw a s a lg
w cg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
192
t h e k a i s e r a m i ly 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
h
13
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
HIGHER PERFORMANCE NETWORK/TIERED NETWORK COVER CARE RECEIVED AT A RETAIL CLINIC FINANCIAL INCENTIVE TO USE RETAIL CLINICS*‡
ALL SMALL FIRMS 3199 WORKERS
ALL LARGE FIRMS 200 OR MORE WORKERS
ALL FIRMS
16%18%
16%
43%
48%
43%
4%
16%
5%
exhiBit 1 3 .6
ag o g h B , Pcg w spc c P o g
t P w t lg e , B sz, 2010
* e c bw a s a lg
w cg (p<.05).
‡ ag w p w g cv c cv cc.
n: a g pc w gp pv w b q, c, /
fcc c v. t w cg p v fc c b
cg w fc pv, b vg cp cc
pv w.
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
e x h i B i t 1 3 . 7
Pcg ep rpg wg r m h P
ac eq ac 2008, b sz rg, 20 10
Cgm h
B
el
Cvg‡
dppm h
Cvg‡
ic
uzmg
m
h
B‡
o‡
irm size
51–199 W 26%* 61% 7% 18% 20%
200–999 W 35 70 4 13 30
1,000–4,999 W 58* 79* 1 15 24
5,000 m W 71* 85* 1 11 16
A sa (51–199 W) 26%* 61% 7% 18% 20%
A la (200 m W) 43%* 75% 2% 13% 26%
regioN
n 21%* 68% <1% 11% 30%
mw 35 77 1 8 19
s 36 68 1 27* 20
W 29 51 18 11 26
All irms (51 m W) 31% 66% 5% 16% 23%
* e c c z g (p<.05).
‡ ag pg cg b m
h P ac eq ac 2008.
n: a w 50 w.
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
h
13
exhiBit 1 3 .8
Pcg t rvw h P Pc ic, b sz, 2010
exhiBit 1 3 .9
ag rpg t t rvw h P Pc ic, db ’
op ic sc w ic, b sz, 2010*
a s
(3199 w)
a lg
(200 m
W)
A
rw panc indcat* 5% 34% 6%
T panc indcat rwd
hedis m* 15% 33% 18%
CahPs a m C sc * 83% 57% 77%
nCQa acc* 31% 58% 36%
uraC acc* 12% 23% 15%
hp oc d* 57% 76% 61%
o 18% 19% 19%
panc ma’ innc n
Dcn t sct t hat pan
pan
V
i
sw
i
n t
i
n a a
i
d’
kw
a s (3–199 W) 16% 32% 30% 17% 5%
a lg (200 m W) 15% 39% 30% 10% 5%
All irms 16% 34% 30% 16% 5%
l satactn wt inatn
Aaa n hat pan Qat
V
s
sw
s
n t
s
n a a
s
d'
kw
a s (3–199 W) 19% 57% 13% 7% 4%
a lg (200 m W) 16% 49% 28% 6% 1%
All irms 18% 56% 16% 7% 3%
* e c bw a s a lg w cg (p<.05).
n: t pc c w: hedis hc ecv d i s,
CahPs C a hc Pv s, nCQa n C Q
ac, uraC cc cc gz c gz.
k/hret sv epsp h B, 2010.
s o u r c e :
* t c c bw b a s a lg (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
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Eple Helth Beeft 2010 Anna s
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t h e k a i s e r a m i ly 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
h
13
exhiBit 1 3 .1 1
Pcg Cv W w a m B sg Cvg, b P tp, 2010*
HMO PPO POS HDHP/SO ALL PLANS
0%
20%
40%
60%
80%
100%
4%
12%9%
20%
12%
* t c c bw p p a P (p<.05).
k/hret sv epsp h B, 2010.
s o u r c e :
exhiBit 1 3 .1 2
Pcg ep w Cvg Pcp Ccpv ecv ab
P w lg e, b sz, 2010
y n d' kw
pctn Cntact
a s (3–199 W)* 62% 6% 32%
a lg (200 m W)* 85 11 4
A 63% 6% 31%
ect Atn
a s (3–199 W)* 9% 19% 72%
a lg (200 m W)* 19 50 31
A 9% 20% 71%
* db c bw a s a lg w cg (p<.05).
n: Pcp ccpv c, p, b c p, pc, p, , iud, pg.
k/hret sv epsp h B, 2010.
s o u r c e :
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 211/212
8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey
http://slidepdf.com/reader/full/kaiser-family-fnd-2010-employer-health-benefits-survey 212/212