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2015 Employer Health Benefits Survey

    Section One: Cost of Health Insurance
    View Exhibits
    1. Exhibit 1.1: Average Monthly and Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2015
    2. Exhibit 1.2: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Firm Size, 2015
    3. Exhibit 1.3: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Region, 2015
    4. Exhibit 1.4: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Industry, 2015
    5. Exhibit 1.5: Average Annual Premiums for Covered Workers with Single Coverage, by Firm Characteristics and Firm Size, 2015
    6. Exhibit 1.6: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Characteristics and Firm Size, 2015
    7. Exhibit 1.7: Distribution of Annual Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2015
    8. Exhibit 1.8: Distribution of Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2015
    9. Exhibit 1.9: Distribution of Annual Premiums for Covered Workers with Single Coverage, 2015
    10. Exhibit 1.10: Distribution of Annual Premiums for Covered Workers with Family Coverage, 2015
    11. Exhibit 1.11: Average Annual Premiums for Single and Family Coverage, 1999-2015
    12. Exhibit 1.12: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2015
    13. Exhibit 1.13: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2015
    14. Exhibit 1.14: Average Annual Premiums for Covered Workers with Single Coverage, by Income Level, 1999-2015
    15. Exhibit 1.15: Average Annual Premiums for Covered Workers with Family Coverage, by Income Level, 1999-2015
    16. Exhibit 1.16: Average Premium Increases for Covered Workers with Family Coverage, 2000-2015
    17. Exhibit 1.17: Among Workers in Large Firms (200 or More Workers), Average Annual Health Insurance Premiums for Family Coverage, by Funding Arrangement, 1999-2015
    Section Two: Health Benefits Offer Rates
    View Exhibits
    1. Exhibit 2.1: Percentage of Firms Offering Health Benefits, 1999–2015
    2. Exhibit 2.2: Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2015
    3. Exhibit 2.3: Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2015
    4. Exhibit 2.4: Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2015
    5. Exhibit 2.5: Percentage of Firms Offering Health Benefits to At Least Some of their Workers, by Firm Size, 2015
    6. Exhibit 2.6: Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Part-Time Workers, by Firm Size, 1999-2015
    7. Exhibit 2.7: Among Firms Offering Health Benefits, Percentage of Firms That Offer Health Benefits to Part-Time Workers and Percentage which Stopped Offering Coverage to Part-Time Workers in the Last Year, by Firm Size, 2015
    8. Exhibit 2.8: Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Temporary Workers, by Firm Size, 1999-2015
    9. Exhibit 2.9: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999–2015
    10. Exhibit 2.10: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999–2015
    11. Exhibit 2.11: Among Firms Offering Benefits, Percentage of Firms Which Offer Coverage to Spouses, Dependents and Partners, 2015
    12. Exhibit 2.12: Among Firms Offering Benefits, Percentage of Firms Which Offer Coverage to Same-Sex and Opposite-Sex Domestic Partners, By Firms Size, Region and Industry, 2015
    13. Exhibit 2.13: Among Firms Offering Health Benefits, Percent of Employers That Offer Health Benefits to Unmarried Same-Sex and Opposite-Sex Domestic Partners, by Firm Size, 2008-2015
    14. Exhibit 2.14: Among Small Firms (3-199 Workers) Not Offering Health Benefits, the Most Important Reason The Firm Does Not Offer, 2015
    15. Exhibit 2.15: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Report the Following Activities, 2007-2015
    16. Exhibit 2.16: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Provide Employees Funds to Purchase Non-Group Insurance, by Firm Size, 2012-2015
    17. Exhibit 2.17: Among Small Firms (3-199 Workers) Not Offering Benefits, Amount The Firm Believes That It Could Afford to Pay Monthly for Health Insurance Coverage for an Employee with Single Coverage, 2005–2015
    18. Exhibit 2.18: Among Small Firms (3–199 Workers) Not Offering Benefits, Distribution of Firms by the Amount They Believe They Think Their Employees Could Afford to Pay for Single Health Insurance Coverage, 2005–2015
    19. Exhibit 2.19: Among Small Firms (3–199 Workers) Not Offering Benefits, Percentage of the Firm's Employees which the Firm Believes are Covered from Another Source, 2015
    20. Exhibit 2.20: Among Small Firms (3-50 FTEs) Not Offering and Offering Health Benefits, Percentage of Firms Who Looked At Purchasing Coverage through a SHOP Exchange, by Firm Size, 2015
    21. Exhibit 2.21: Among Small Firms (3 to 50 FTEs) Not Offering Health Benefits who Determined they were Eligible to Purchase Coverage on a SHOP Exchange, Reasons Why They Did Not Select a Plan, 2015
    Section Three: Employee Coverage, Eligibility, and Participation
    View Exhibits
    1. Exhibit 3.1: Percentage of All Workers Covered by Their Employers’ Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 1999-2015
    2. Exhibit 3.2: Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2015
    3. Exhibit 3.3: Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2015
    4. Exhibit 3.4: Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm Characteristics, 2015
    5. Exhibit 3.5: Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2015
    6. Exhibit 3.6: Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2015
    7. Exhibit 3.7: Among Firms Offering Health Benefits, The Percentage of Firms who Started Offering Some Groups of Worker a More Comprehensive Benefit Plan in 2015 Rather than the Limited Benefit Plan they were Eligible For, by Firm Size and Region, 2015
    8. Exhibit 3.8: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2015
    9. Exhibit 3.9: Distribution of Covered Workers with the Following Waiting Periods for Coverage, 2015
    10. Exhibit 3.10: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2002-2015
    11. Exhibit 3.11: Among Firms Offering Health Benefits, Percentage of Firms Which Automatically Enroll Eligible Workers in Health Benefits, 2015
    12. Exhibit 3.12: Among Firms Offering Health Benefits, Percentage of Firms' Covered Workers who are Enrolled in Single Coverage, 2015
    Section Six: Worker and Employer Contributions for Premiums
    View Exhibits
    1. Exhibit 6.1: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2015
    2. Exhibit 6.2: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2015
    3. Exhibit 6.3: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2015
    4. Exhibit 6.4: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2015
    5. Exhibit 6.5: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2015
    6. Exhibit 6.6: Average Annual Worker Contributions for Covered Workers with Single Coverage, by Firm Size, 1999-2015
    7. Exhibit 6.7: Average Annual Worker Contributions for Covered Workers with Family Coverage, by Firm Size, 1999-2015
    8. Exhibit 6.8: Average Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Firm Size, 1999-2015
    9. Exhibit 6.9: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single Coverage, by Plan Type and Firm Size, 2015
    10. Exhibit 6.10: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Family Coverage, by Plan Type and Firm Size, 2015
    11. Exhibit 6.11: Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2015
    12. Exhibit 6.12: Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2015
    13. Exhibit 6.13: Average Premium Contribution Paid by Covered Workers for Single and Family Coverage, by Firm Characteristics, 2015
    14. Exhibit 6.14: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2015
    15. Exhibit 6.15: Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2015
    16. Exhibit 6.16: Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2015
    17. Exhibit 6.17: Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2015
    18. Exhibit 6.18: Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2015
    19. Exhibit 6.19: Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Firm Wage Level, 2015
    20. Exhibit 6.20: Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2015
    21. Exhibit 6.21: Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2015
    22. Exhibit 6.22: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2015
    23. Exhibit 6.23: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2015
    24. Exhibit 6.24: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2015
    25. Exhibit 6.25: Average Percentage of Premium Paid by Covered Workers, by Plan Type and Industry, 2015
    26. Exhibit 6.26: Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage, 2015
    27. Exhibit 6.27: Among Firms Offering Family Coverage, Percentage of Employers Using Various Approaches to Family Premium Contributions, by Firm Size and Region, 2015
    28. Exhibit 6.28: Average Annual Worker Contributions for Covered Workers with Family Coverage, by Income Level, 1999-2015
    29. Exhibit 6.29: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single and Family Coverage, by Firm Size, 2015
    30. Exhibit 6.30: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single and Family Coverage, by Firm Wage Level, 2015
    Section Seven: Employee Cost Sharing
    View Exhibits
    1. Exhibit 7.1: Percentage of Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, by Plan Type and Firm Size, 2015
    2. Exhibit 7.2: Percentage of Covered Workers in a Plan which Includes a General Annual Deductible for Single Coverage, By Firm Size, 2006-2015
    3. Exhibit 7.3: Percentage of Covered Workers in a Plan that Includes a General Annual Deductible and Average Deductible for Single Coverage, By Firm Characteristics, 2015
    4. Exhibit 7.4: Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percentage Who Have the Following Types of Cost Sharing, by Plan Type, 2015
    5. Exhibit 7.5: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2015
    6. Exhibit 7.6: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Region, 2015
    7. Exhibit 7.7: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2015
    8. Exhibit 7.8: Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2015
    9. Exhibit 7.9: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2006-2015
    10. Exhibit 7.10: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2006-2015
    11. Exhibit 7.11: Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2015
    12. Exhibit 7.12: Among Covered Workers With a General Annual Health Plan Deductible for Single POS Coverage, Distribution of Deductibles, 2006-2015
    13. Exhibit 7.13: Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2015
    14. Exhibit 7.14: Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2015
    15. Exhibit 7.15: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2015
    16. Exhibit 7.16: Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, by Plan Type, 2015
    17. Exhibit 7.17: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, By Plan Type, 2015
    18. Exhibit 7.18: Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits, By Plan Type, 2015
    19. Exhibit 7.19: Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage and a Per Person Limit, Distribution of Maximum Number of Family Members Required to Meet the Deductible, by Plan Type, 2015
    20. Exhibit 7.20: Among Covered Workers With an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Aggregate Deductibles, by Plan Type, 2006-2015
    21. Exhibit 7.21: Among Covered Workers with a General Annual Health Plan Deductible, Percentage with Coverage for the Following Services Without Having to First Meet the Deductible, by Plan Type, 2015
    22. Exhibit 7.22: Distribution of Covered Workers With Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2015
    23. Exhibit 7.23: Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2015
    24. Exhibit 7.24: Among Covered Workers with Separate Cost Sharing for a Hospital Admission or Outpatient Surgery Episode in Addition to Any General Annual Deductible, Average Cost Sharing, by Plan Type, 2015
    25. Exhibit 7.25: In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with the Following Types of Cost Sharing for Physician Office Visits, by Plan Type, 2015
    26. Exhibit 7.26: Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office Visits, Average Copayments and Coinsurance, by Plan Type, 2015
    27. Exhibit 7.27: Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, by Plan Type, 2015
    28. Exhibit 7.28: Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, by Plan Type, 2015
    29. Exhibit 7.29: Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, 2006-2015
    30. Exhibit 7.30: Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, 2006-2015
    31. Exhibit 7.31: Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2015
    32. Exhibit 7.32: Prevalence and Value of General Annual Deductible for Single Coverage by Firm Size, 2006-2015
    Section Eight: High-Deductible Health Plans with Savings Option
    View Exhibits
    1. Exhibit 8.1: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2015
    2. Exhibit 8.2: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2015
    3. Exhibit 8.3: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2005-2015
    4. Exhibit 8.4: Percentage of Covered Workers Enrolled in an HDHP/SO, by Firm Size, 2006-2015
    5. Exhibit 8.5: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2015
    6. Exhibit 8.6: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, by Firm Size, 2015
    7. Exhibit 8.7: HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2015
    8. Exhibit 8.8: Average Annual Premiums and Contributions to Savings Accounts for Covered Workers in HDHP/HRAs or HSA-Qualified HDHPs, Compared to All Non-HDHP/SO Plans, 2015
    9. Exhibit 8.9: Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2015
    10. Exhibit 8.10: Among Covered Workers, Distribution of Type of General Annual Deductible for Family Coverage, HDHP/HRAs and HSA-Qualified HDHPs, 2015
    11. Exhibit 8.11: Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2015
    12. Exhibit 8.12: Percentage of Covered Workers with Coverage for the Following Services Without Having to First Meet the Deductible, HDHP/HRAs, by Firm Size, 2015
    13. Exhibit 8.13: Percentage of Covered Workers in Partially or Fully Self-Funded HDHP/HRAs and HSA-Qualified HDHPs, 2015
    14. Exhibit 8.14: Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Single Coverage, 2015
    15. Exhibit 8.15: Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Family Coverage, 2015
    16. Exhibit 8.16: Distribution of Firm Contributions to the HRA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HRA, 2015
    17. Exhibit 8.17: Distribution of Firm Contributions to the HSA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HSA, 2015
    18. Exhibit 8.18: Distribution of Covered Workers in HDHP/HRAs and HSA-Qualified HDHPs with the Following Types of Cost Sharing in Addition to the General Annual Deductible, 2015
    Section Nine: Prescription Drug Benefits
    View Exhibits
    1. Exhibit 9.1: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2015
    2. Exhibit 9.2: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2015
    3. Exhibit 9.3: Among Workers with Three, Four, or More Tiers of Cost Sharing, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug Tier and Plan Type, 2015
    4. Exhibit 9.4: Among Covered Workers with Three, Four, or More Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance by Drug Type, 2000-2015
    5. Exhibit 9.5: Among Workers with Two Tiers of Cost Sharing for Prescription Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2015
    6. Exhibit 9.6: Among Covered Workers with Two Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2015
    7. Exhibit 9.7: Among Workers with the Same Cost Sharing Regardless of Type of Drug, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Plan Type, 2015
    8. Exhibit 9.8: Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2015
    9. Exhibit 9.9: Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, by Drug Tier, 2015
    10. Exhibit 9.10: Percentage of Covered Workers with Drug Coverage Who Face a Separate Prescription Drug Deductible, by Plan Type, 2005-2015
    11. Exhibit 9.11: Percentage of Covered Workers with Prescription Drug Coverage Who Face a Separate Drug Deductible and Value of Drug Deductible, by Firm Size, 2015
    12. Exhibit 9.12: Percentage of Firms Whose Largest Plan Includes Coverage for Specialty Drugs, by Firm Size, Region and Industry 2015
    13. Exhibit 9.13: Among Firms Whose Plan with the Largest Enrollment Covers Specialty Drugs, Percentage of Firms Which Use the Following Strategies to Contain Specialty Drug Cost, by Firm Size, 2015
    Section Ten: Plan Funding
    View Exhibits
    1. Exhibit 10.1: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2015
    2. Exhibit 10.2: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2015
    3. Exhibit 10.3: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1999-2015
    4. Exhibit 10.4: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, Region, and Industry, 2015
    5. Exhibit 10.5: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type and Firm Size, 2015
    6. Exhibit 10.6: Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1999-2015
    7. Exhibit 10.7: Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1999-2015
    8. Exhibit 10.8: Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1999-2015
    9. Exhibit 10.9: Percentage of Covered Workers in Partially or Completely Self-Funded HDHP/SOs, by Firm Size, 2006-2015
    10. Exhibit 10.10: Percentage of Covered Workers Enrolled in a Partially or Completely Self-Funded Plan Covered by Stoploss Insurance, by Firm Size, Region, and Industry, 2015
    11. Exhibit 10.11: Prevalence and Average Attachment Points of Stoploss Insurance, by Firm Size and Region, 2015
    12. Exhibit 10.12: Percentage of Covered Workers Enrolled in Partially or Completely Self-Insured Plans that Purchase Different Types of Stoploss Insurance, by Firm Size, 2015
    Section Eleven: Retiree Health Benefits
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    1. Exhibit 11.1: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, 1988-2015
    2. Exhibit 11.2: Among Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2015
    3. Exhibit 11.3: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Characteristics, 2015
    4. Exhibit 11.4: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Health Benefits to Early and Medicare-Age Retirees, 2000–2015
    5. Exhibit 11.5: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Retiree Health Benefits to Early and Medicare-Age Retirees, by Firm Size and Region, 2015
    6. Exhibit 11.6: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Whose Retiree Health Benefits Cover Only Prescription Drugs, by Firm Size and Region, 2015
    7. Exhibit 11.7: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Who Offer Retiree Coverage Through a Private Exchange, by Firm Size and Region, 2015
    8. Exhibit 11.8: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Who Offer Retiree Coverage through a Private Exchange, by Firm Size, 2014-2015
    9. Exhibit 11.9: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Considering Changing the Way They Offer Retiree Coverage Because of Healthcare Exchanges Established Under the ACA, by Firm Size and Region, 2015
    10. Exhibit 11.10: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Considering Changing the Way They Offer Retiree Coverage Because of Healthcare Exchanges Established under the ACA, by Firm Size, 2014-2015
    Section Twelve: Health Risk Assessment, Biometrics Screening and Wellness Programs
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    1. Exhibit 12.1: Among Firms Offering Health Benefits, Percentage of Firms That Offer or Require Employees Complete a Health Risk Assessment, by Firm Size, Region and Industry, 2015
    2. Exhibit 12.2: Among Large Firms Offering Health Benefits and Either Offering or Requiring Employees to Complete Health Risk Assessments, the Percentage of Employees Who Complete the Assessments, by Firm Size, 2015
    3. Exhibit 12.3: Among Firms Offering Health Benefits that Offer or Require Employees Complete Health Risk Assessments, Percentage of Firms that Offer Incentives to Employees Who Complete the Assessments, by Firm Size, 2015
    4. Exhibit 12.4: Among Large Firms Offering an Incentive to Employees Who Complete a Health Risk Assessment, Percentage of Firms Using Different Types of Incentives, by Firm Size, 2015
    5. Exhibit 12.5: Among Firms Offering Health Benefits, Percentage of Firms That Offer or Require Employees Complete Biometric Screening, by Firm Size, Region and Industry, 2015
    6. Exhibit 12.6: Among Large Firms Offering Health Benefits and Which Either Offer or Ask Employees to Complete Biometric Screening, Percentage of Firms with Incentives Related to Biometric Screening, by Firm Size, 2015
    7. Exhibit 12.7: Among Large Firms Offering Employees a Financial Incentive to Complete Biometric Screenings, Percentage of Firms with Various Types of Incentives, by Firm Size, 2015
    8. Exhibit 12.8: Among Large Firms That Financially Reward Employees Based on Whether They Meet Biometric Outcomes, Percentage of Firms Basing Rewards on Various Biometric Measures, 2015
    9. Exhibit 12.9: Among Large Firms That Reward Employees Based on Whether They Meet Biometric Outcomes, Maximum Financial Reward an Employee Can Receive for Meeting Outcomes, 2015
    10. Exhibit 12.10: Among Firms Offering Health Benefits, Percentage of Firms Offering a Specific Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2015
    11. Exhibit 12.11: Among Firms Offering Health Benefits, Percentage of Firms Offering Specific Wellness Program to Their Employees, by Firm Size, 2015
    12. Exhibit 12.12: Among Firms Offering Specific Wellness Programs, Percentage of Firms That Offer Incentives to Employees Who Participate In or Complete Wellness Programs, by Firm Size, 2015
    13. Exhibit 12.13: Among Large Firms Offering Incentives for Workers Who Participate In or Complete Wellness Programs, Which Activities Firms Award Incentives For, by Firm Size, 2015
    14. Exhibit 12.14: Among Large Firms Offering Incentives for Employees Who Participate In or Complete Wellness Programs, Type of Incentive, by Firm Size, 2015
    15. Exhibit 12.15: Among Large Firms Offering Incentives for Workers Who Participate In or Complete Wellness Programs, Maximum Annual Value of the Reward for Wellness and Health Promotion Programs, Including Incentives for Health Risk Assessment and Biometric Screening, 2015
    16. Exhibit 12.16: Among Large Offering Firms That Provide Incentives to Employees Who Participate in Wellness or Health Promotion Programs, Firms’ Opinions on How Effective Incentives are for Employee Participation, by Firm Size, 2015
    17. Exhibit 12.17: Among Firms Offering Health Benefits, Percentage of Firms That Offer Disease Management Programs, by Firm Size, Region and Industry, 2015
    18. Exhibit 12.18: Among Large Firms Offering Disease Management Programs, Percentage of Firms That Offer Incentives to Employees Who Participate In or Complete Programs, by Firm Size, 2015
    19. Exhibit 12.19: Among Large Firms Offering Disease Management Programs, How Eligible Employees Are Enrolled in the Programs, by Firm Size, 2015
    20. Exhibit 12.20: Among Large Firms (200 or more workers) Offering Health Benefits, Percentage of Firms Offering Incentives for Various Wellness and Health Promotion Activities, 2015
    Section Fourteen: Employer Opinions and Health Plan Practices
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    1. Exhibit 14.1: Among Firms Offering Health Benefits, Percentage of Firms That Shopped For a New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2015
    2. Exhibit 14.2: Among Firms Offering Health Benefits That Shopped for a New Plan or Insurance Carrier, Percentage That They Changed Insurance Carriers in the Past Year, by Firm Size, 2015
    3. Exhibit 14.3: Among Firms Offering Health Benefits, Percentage of Firms Who Offer a Narrow Network Plan or Have Eliminated a Hospital or Health System, by Firm Size, 2015
    4. Exhibit 14.4: Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network by Firm Size, 2015
    5. Exhibit 14.5: Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network, by Firm Size, 2007-2015
    6. Exhibit 14.6: Among Offering Firms with More Than 50 Employees, Percentage Considering Offering Benefits Through a Private Exchange, by Firm Size, Region, and Industry, 2015
    7. Exhibit 14.7: Among Offering Firms with More Than 50 Employees, Percentage of Covered Workers Enrolled at a Firm That Offers Benefits Through a Private or Corporate Exchange, by Firm Size, 2015
    8. Exhibit 14.8: Among Offering Firms With Fewer Than 500 Employees, Percentage of Employers who Provide Benefits Through a Co-Employment Arrangement with a Professional Employer Organization (PEO), by Firm Size, 2015
    9. Exhibit 14.9: Among Firms Offering Health Benefits, Percentage of Firms that Provide Additional Incentives to Employees Based on Their Enrollment Decisions, by Firm Size, 2015
    10. Exhibit 14.10: Among Firms Offering and Not Offering Health Benefits, Percentage of Firms Offering Section 125 Pre-Tax Employee Premium Contributions and Flexible Spending Accounts, by Firm Size, 2015
    11. Exhibit 14.11: Among Both Firms Offering and Not Offering Health Benefits, Percentage of Firms Offering Flexible Spending Accounts and Pre-Tax Employee Premium Contributions, by Firm Size, 2007-2015
    12. Exhibit 14.12: Among Large Firms Offering Health Benefits, Percentage of Firms Whose Plan with the Largest Enrollment Covers Telemedicine, by Firm Size, 2015
    13. Exhibit 14.13: Among Firms Offering Health Benefits, Percentage of Firms Who Have Taken Various Actions in Anticipation of the Excise Tax on High Cost Plans, by Firm Size, 2015
    14. Exhibit 14.14: Among Firms Who Have Conducted an Analysis to Determine Their Liability Under the High Cost Excise, Percentage of Firms who Believe that Their Plan with the Largest Enrollment Will Exceed the Thresholds in 2018, by Firm Size, 2015
    15. Exhibit 14.15: Among Large Firms (200 or more Workers) Offering Health Benefits Who Indicated That Have They Changed Their Plan or Switched Carriers In Anticipation of the Excise Tax on High-Cost Health Plans, Percentage of Firms That Have Taken Various Actions, 2015
    16. Exhibit 14.16: Among Firms Offering Health Benefits, Percentage of Firms That Have Taken Various Actions in Anticipation of the Excise Tax on High-Cost Plans, by Firm Size, 2015
    17. Exhibit 14.17: Among Firms with More than 100 FTEs, Percentage of Offering Firms that Offer at Least One Coverage Option That Would Meet the Affordability and Minimum Value Requirements Under the Affordable Care Act, by Firm Size and Region, 2015
    18. Exhibit 14.18: Among Firms with 100 or More FTEs, Percentage of Offering Firms that Were Encouraged to Extend Eligibility to Groups of Workers Not Previously Eligible for Coverage Because of the Employer Shared Responsibility Provision, by Firm Size and Region, 2015
    19. Exhibit 14.19: Among Firms Offering Health Benefits with 50 or More Full-Time Equivalentsǂ, Percentage of Firms That Took Various Actions, by Firm Size, 2015
    20. Exhibit 14.20: Among Firms Offering Health Benefits with 100 or More Full-Time Equivalentsǂ, Percentage of Firms That Took Various Actions, 2015
    x

    Exhibit 1.1

    Average Monthly and Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2015
    x

    Exhibit 1.2

    Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Firm Size, 2015
    x

    Exhibit 1.3

    Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Region, 2015
    x

    Exhibit 1.4

    Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Industry, 2015
    x

    Exhibit 1.5

    Average Annual Premiums for Covered Workers with Single Coverage, by Firm Characteristics and Firm Size, 2015
    x

    Exhibit 1.6

    Average Annual Premiums for Covered Workers with Family Coverage, by Firm Characteristics and Firm Size, 2015
    x

    Exhibit 1.7

    Distribution of Annual Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2015
    x

    Exhibit 1.8

    Distribution of Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2015
    x

    Exhibit 1.9

    Distribution of Annual Premiums for Covered Workers with Single Coverage, 2015
    x

    Exhibit 1.10

    Distribution of Annual Premiums for Covered Workers with Family Coverage, 2015
    x

    Exhibit 1.11

    Average Annual Premiums for Single and Family Coverage, 1999-2015
    x

    Exhibit 1.12

    Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2015
    x

    Exhibit 1.13

    Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2015
    x

    Exhibit 1.14

    Average Annual Premiums for Covered Workers with Single Coverage, by Income Level, 1999-2015
    x

    Exhibit 1.15

    Average Annual Premiums for Covered Workers with Family Coverage, by Income Level, 1999-2015
    x

    Exhibit 1.16

    Average Premium Increases for Covered Workers with Family Coverage, 2000-2015
    x

    Exhibit 1.17

    Among Workers in Large Firms (200 or More Workers), Average Annual Health Insurance Premiums for Family Coverage, by Funding Arrangement, 1999-2015
    x

    Exhibit 2.1

    Percentage of Firms Offering Health Benefits, 1999–2015
    x

    Exhibit 2.2

    Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2015
    x

    Exhibit 2.3

    Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 2.4

    Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2015
    x

    Exhibit 2.5

    Percentage of Firms Offering Health Benefits to At Least Some of their Workers, by Firm Size, 2015
    x

    Exhibit 2.6

    Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Part-Time Workers, by Firm Size, 1999-2015
    x

    Exhibit 2.7

    Among Firms Offering Health Benefits, Percentage of Firms That Offer Health Benefits to Part-Time Workers and Percentage which Stopped Offering Coverage to Part-Time Workers in the Last Year, by Firm Size, 2015
    x

    Exhibit 2.8

    Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Temporary Workers, by Firm Size, 1999-2015
    x

    Exhibit 2.9

    Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999–2015
    x

    Exhibit 2.10

    Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999–2015
    x

    Exhibit 2.11

    Among Firms Offering Benefits, Percentage of Firms Which Offer Coverage to Spouses, Dependents and Partners, 2015
    x

    Exhibit 2.12

    Among Firms Offering Benefits, Percentage of Firms Which Offer Coverage to Same-Sex and Opposite-Sex Domestic Partners, By Firms Size, Region and Industry, 2015
    x

    Exhibit 2.13

    Among Firms Offering Health Benefits, Percent of Employers That Offer Health Benefits to Unmarried Same-Sex and Opposite-Sex Domestic Partners, by Firm Size, 2008-2015
    x

    Exhibit 2.14

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, the Most Important Reason The Firm Does Not Offer, 2015
    x

    Exhibit 2.15

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Report the Following Activities, 2007-2015
    x

    Exhibit 2.16

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Provide Employees Funds to Purchase Non-Group Insurance, by Firm Size, 2012-2015
    x

    Exhibit 2.17

    Among Small Firms (3-199 Workers) Not Offering Benefits, Amount The Firm Believes That It Could Afford to Pay Monthly for Health Insurance Coverage for an Employee with Single Coverage, 2005–2015
    x

    Exhibit 2.18

    Among Small Firms (3–199 Workers) Not Offering Benefits, Distribution of Firms by the Amount They Believe They Think Their Employees Could Afford to Pay for Single Health Insurance Coverage, 2005–2015
    x

    Exhibit 2.19

    Among Small Firms (3–199 Workers) Not Offering Benefits, Percentage of the Firm's Employees which the Firm Believes are Covered from Another Source, 2015
    x

    Exhibit 2.20

    Among Small Firms (3-50 FTEs) Not Offering and Offering Health Benefits, Percentage of Firms Who Looked At Purchasing Coverage through a SHOP Exchange, by Firm Size, 2015
    x

    Exhibit 2.21

    Among Small Firms (3 to 50 FTEs) Not Offering Health Benefits who Determined they were Eligible to Purchase Coverage on a SHOP Exchange, Reasons Why They Did Not Select a Plan, 2015
    x

    Exhibit 3.1

    Percentage of All Workers Covered by Their Employers’ Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 1999-2015
    x

    Exhibit 3.2

    Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 3.3

    Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2015
    x

    Exhibit 3.4

    Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm Characteristics, 2015
    x

    Exhibit 3.5

    Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2015
    x

    Exhibit 3.6

    Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2015
    x

    Exhibit 3.7

    Among Firms Offering Health Benefits, The Percentage of Firms who Started Offering Some Groups of Worker a More Comprehensive Benefit Plan in 2015 Rather than the Limited Benefit Plan they were Eligible For, by Firm Size and Region, 2015
    x

    Exhibit 3.8

    Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 3.9

    Distribution of Covered Workers with the Following Waiting Periods for Coverage, 2015
    x

    Exhibit 3.10

    Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2002-2015
    x

    Exhibit 3.11

    Among Firms Offering Health Benefits, Percentage of Firms Which Automatically Enroll Eligible Workers in Health Benefits, 2015
    x

    Exhibit 3.12

    Among Firms Offering Health Benefits, Percentage of Firms' Covered Workers who are Enrolled in Single Coverage, 2015
    x

    Exhibit 4.1

    Among Firms Offering Health Benefits, Percentage of Firms That Offer One, Two, or Three or More Plan Types, by Firm Size, 2015
    x

    Exhibit 4.2

    Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2015
    x

    Exhibit 4.3

    Among Firms Offering Health Benefits, Percentage of Firms That Offer the Following Plan Types, by Firm Size, 2015
    x

    Exhibit 4.4

    Among Firms Offering Health Benefits, Percentage of Covered Workers in Firms That Offer the Following Plan Types, by Firm Size, 2015
    x

    Exhibit 4.5

    Among Firms Offering Only One Type of Health Plan, Percentage of Covered Workers in Firms That Offer the Following Plan Type, by Firm Size, 2015
    x

    Exhibit 5.1

    Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2015
    x

    Exhibit 5.2

    Distribution of Health Plan Enrollment for Covered Workers, by Plan Type and Firm Size, 2015
    x

    Exhibit 5.3

    Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 6.1

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2015
    x

    Exhibit 6.2

    Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2015
    x

    Exhibit 6.3

    Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2015
    x

    Exhibit 6.4

    Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2015
    x

    Exhibit 6.5

    Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2015
    x

    Exhibit 6.6

    Average Annual Worker Contributions for Covered Workers with Single Coverage, by Firm Size, 1999-2015
    x

    Exhibit 6.7

    Average Annual Worker Contributions for Covered Workers with Family Coverage, by Firm Size, 1999-2015
    x

    Exhibit 6.8

    Average Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Firm Size, 1999-2015
    x

    Exhibit 6.9

    Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single Coverage, by Plan Type and Firm Size, 2015
    x

    Exhibit 6.10

    Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Family Coverage, by Plan Type and Firm Size, 2015
    x

    Exhibit 6.11

    Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2015
    x

    Exhibit 6.12

    Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2015
    x

    Exhibit 6.13

    Average Premium Contribution Paid by Covered Workers for Single and Family Coverage, by Firm Characteristics, 2015
    x

    Exhibit 6.14

    Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2015
    x

    Exhibit 6.15

    Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2015
    x

    Exhibit 6.16

    Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2015
    x

    Exhibit 6.17

    Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2015
    x

    Exhibit 6.18

    Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2015
    x

    Exhibit 6.19

    Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Firm Wage Level, 2015
    x

    Exhibit 6.20

    Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2015
    x

    Exhibit 6.21

    Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2015
    x

    Exhibit 6.22

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2015
    x

    Exhibit 6.23

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2015
    x

    Exhibit 6.24

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2015
    x

    Exhibit 6.25

    Average Percentage of Premium Paid by Covered Workers, by Plan Type and Industry, 2015
    x

    Exhibit 6.26

    Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage, 2015
    x

    Exhibit 6.27

    Among Firms Offering Family Coverage, Percentage of Employers Using Various Approaches to Family Premium Contributions, by Firm Size and Region, 2015
    x

    Exhibit 6.28

    Average Annual Worker Contributions for Covered Workers with Family Coverage, by Income Level, 1999-2015
    x

    Exhibit 6.29

    Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single and Family Coverage, by Firm Size, 2015
    x

    Exhibit 6.30

    Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single and Family Coverage, by Firm Wage Level, 2015
    x

    Exhibit 7.1

    Percentage of Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, by Plan Type and Firm Size, 2015
    x

    Exhibit 7.2

    Percentage of Covered Workers in a Plan which Includes a General Annual Deductible for Single Coverage, By Firm Size, 2006-2015
    x

    Exhibit 7.3

    Percentage of Covered Workers in a Plan that Includes a General Annual Deductible and Average Deductible for Single Coverage, By Firm Characteristics, 2015
    x

    Exhibit 7.4

    Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percentage Who Have the Following Types of Cost Sharing, by Plan Type, 2015
    x

    Exhibit 7.5

    Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2015
    x

    Exhibit 7.6

    Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Region, 2015
    x

    Exhibit 7.7

    Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2015
    x

    Exhibit 7.8

    Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2015
    x

    Exhibit 7.9

    Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2006-2015
    x

    Exhibit 7.10

    Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2006-2015
    x

    Exhibit 7.11

    Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2015
    x

    Exhibit 7.12

    Among Covered Workers With a General Annual Health Plan Deductible for Single POS Coverage, Distribution of Deductibles, 2006-2015
    x

    Exhibit 7.13

    Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2015
    x

    Exhibit 7.14

    Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2015
    x

    Exhibit 7.15

    Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2015
    x

    Exhibit 7.16

    Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, by Plan Type, 2015
    x

    Exhibit 7.17

    Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, By Plan Type, 2015
    x

    Exhibit 7.18

    Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits, By Plan Type, 2015
    x

    Exhibit 7.19

    Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage and a Per Person Limit, Distribution of Maximum Number of Family Members Required to Meet the Deductible, by Plan Type, 2015
    x

    Exhibit 7.20

    Among Covered Workers With an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Aggregate Deductibles, by Plan Type, 2006-2015
    x

    Exhibit 7.21

    Among Covered Workers with a General Annual Health Plan Deductible, Percentage with Coverage for the Following Services Without Having to First Meet the Deductible, by Plan Type, 2015
    x

    Exhibit 7.22

    Distribution of Covered Workers With Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2015
    x

    Exhibit 7.23

    Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2015
    x

    Exhibit 7.24

    Among Covered Workers with Separate Cost Sharing for a Hospital Admission or Outpatient Surgery Episode in Addition to Any General Annual Deductible, Average Cost Sharing, by Plan Type, 2015
    x

    Exhibit 7.25

    In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with the Following Types of Cost Sharing for Physician Office Visits, by Plan Type, 2015
    x

    Exhibit 7.26

    Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office Visits, Average Copayments and Coinsurance, by Plan Type, 2015
    x

    Exhibit 7.27

    Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, by Plan Type, 2015
    x

    Exhibit 7.28

    Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, by Plan Type, 2015
    x

    Exhibit 7.29

    Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, 2006-2015
    x

    Exhibit 7.30

    Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, 2006-2015
    x

    Exhibit 7.31

    Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2015
    x

    Exhibit 7.32

    Prevalence and Value of General Annual Deductible for Single Coverage by Firm Size, 2006-2015
    x

    Exhibit 8.1

    Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2015
    x

    Exhibit 8.2

    Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2015
    x

    Exhibit 8.3

    Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2005-2015
    x

    Exhibit 8.4

    Percentage of Covered Workers Enrolled in an HDHP/SO, by Firm Size, 2006-2015
    x

    Exhibit 8.5

    Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2015
    x

    Exhibit 8.6

    Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, by Firm Size, 2015
    x

    Exhibit 8.7

    HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2015
    x

    Exhibit 8.8

    Average Annual Premiums and Contributions to Savings Accounts for Covered Workers in HDHP/HRAs or HSA-Qualified HDHPs, Compared to All Non-HDHP/SO Plans, 2015
    x

    Exhibit 8.9

    Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2015
    x

    Exhibit 8.10

    Among Covered Workers, Distribution of Type of General Annual Deductible for Family Coverage, HDHP/HRAs and HSA-Qualified HDHPs, 2015
    x

    Exhibit 8.11

    Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2015
    x

    Exhibit 8.12

    Percentage of Covered Workers with Coverage for the Following Services Without Having to First Meet the Deductible, HDHP/HRAs, by Firm Size, 2015
    x

    Exhibit 8.13

    Percentage of Covered Workers in Partially or Fully Self-Funded HDHP/HRAs and HSA-Qualified HDHPs, 2015
    x

    Exhibit 8.14

    Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Single Coverage, 2015
    x

    Exhibit 8.15

    Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Family Coverage, 2015
    x

    Exhibit 8.16

    Distribution of Firm Contributions to the HRA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HRA, 2015
    x

    Exhibit 8.17

    Distribution of Firm Contributions to the HSA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HSA, 2015
    x

    Exhibit 8.18

    Distribution of Covered Workers in HDHP/HRAs and HSA-Qualified HDHPs with the Following Types of Cost Sharing in Addition to the General Annual Deductible, 2015
    x

    Exhibit 9.1

    Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2015
    x

    Exhibit 9.2

    Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2015
    x

    Exhibit 9.3

    Among Workers with Three, Four, or More Tiers of Cost Sharing, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug Tier and Plan Type, 2015
    x

    Exhibit 9.4

    Among Covered Workers with Three, Four, or More Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance by Drug Type, 2000-2015
    x

    Exhibit 9.5

    Among Workers with Two Tiers of Cost Sharing for Prescription Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2015
    x

    Exhibit 9.6

    Among Covered Workers with Two Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2015
    x

    Exhibit 9.7

    Among Workers with the Same Cost Sharing Regardless of Type of Drug, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Plan Type, 2015
    x

    Exhibit 9.8

    Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2015
    x

    Exhibit 9.9

    Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, by Drug Tier, 2015
    x

    Exhibit 9.10

    Percentage of Covered Workers with Drug Coverage Who Face a Separate Prescription Drug Deductible, by Plan Type, 2005-2015
    x

    Exhibit 9.11

    Percentage of Covered Workers with Prescription Drug Coverage Who Face a Separate Drug Deductible and Value of Drug Deductible, by Firm Size, 2015
    x

    Exhibit 9.12

    Percentage of Firms Whose Largest Plan Includes Coverage for Specialty Drugs, by Firm Size, Region and Industry 2015
    x

    Exhibit 9.13

    Among Firms Whose Plan with the Largest Enrollment Covers Specialty Drugs, Percentage of Firms Which Use the Following Strategies to Contain Specialty Drug Cost, by Firm Size, 2015
    x

    Exhibit 10.1

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2015
    x

    Exhibit 10.2

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2015
    x

    Exhibit 10.3

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1999-2015
    x

    Exhibit 10.4

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 10.5

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type and Firm Size, 2015
    x

    Exhibit 10.6

    Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1999-2015
    x

    Exhibit 10.7

    Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1999-2015
    x

    Exhibit 10.8

    Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1999-2015
    x

    Exhibit 10.9

    Percentage of Covered Workers in Partially or Completely Self-Funded HDHP/SOs, by Firm Size, 2006-2015
    x

    Exhibit 10.10

    Percentage of Covered Workers Enrolled in a Partially or Completely Self-Funded Plan Covered by Stoploss Insurance, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 10.11

    Prevalence and Average Attachment Points of Stoploss Insurance, by Firm Size and Region, 2015
    x

    Exhibit 10.12

    Percentage of Covered Workers Enrolled in Partially or Completely Self-Insured Plans that Purchase Different Types of Stoploss Insurance, by Firm Size, 2015
    x

    Exhibit 11.1

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, 1988-2015
    x

    Exhibit 11.2

    Among Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 11.3

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Characteristics, 2015
    x

    Exhibit 11.4

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Health Benefits to Early and Medicare-Age Retirees, 2000–2015
    x

    Exhibit 11.5

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Retiree Health Benefits to Early and Medicare-Age Retirees, by Firm Size and Region, 2015
    x

    Exhibit 11.6

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Whose Retiree Health Benefits Cover Only Prescription Drugs, by Firm Size and Region, 2015
    x

    Exhibit 11.7

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Who Offer Retiree Coverage Through a Private Exchange, by Firm Size and Region, 2015
    x

    Exhibit 11.8

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Who Offer Retiree Coverage through a Private Exchange, by Firm Size, 2014-2015
    x

    Exhibit 11.9

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Considering Changing the Way They Offer Retiree Coverage Because of Healthcare Exchanges Established Under the ACA, by Firm Size and Region, 2015
    x

    Exhibit 11.10

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Considering Changing the Way They Offer Retiree Coverage Because of Healthcare Exchanges Established under the ACA, by Firm Size, 2014-2015
    x

    Exhibit 12.1

    Among Firms Offering Health Benefits, Percentage of Firms That Offer or Require Employees Complete a Health Risk Assessment, by Firm Size, Region and Industry, 2015
    x

    Exhibit 12.2

    Among Large Firms Offering Health Benefits and Either Offering or Requiring Employees to Complete Health Risk Assessments, the Percentage of Employees Who Complete the Assessments, by Firm Size, 2015
    x

    Exhibit 12.3

    Among Firms Offering Health Benefits that Offer or Require Employees Complete Health Risk Assessments, Percentage of Firms that Offer Incentives to Employees Who Complete the Assessments, by Firm Size, 2015
    x

    Exhibit 12.4

    Among Large Firms Offering an Incentive to Employees Who Complete a Health Risk Assessment, Percentage of Firms Using Different Types of Incentives, by Firm Size, 2015
    x

    Exhibit 12.5

    Among Firms Offering Health Benefits, Percentage of Firms That Offer or Require Employees Complete Biometric Screening, by Firm Size, Region and Industry, 2015
    x

    Exhibit 12.6

    Among Large Firms Offering Health Benefits and Which Either Offer or Ask Employees to Complete Biometric Screening, Percentage of Firms with Incentives Related to Biometric Screening, by Firm Size, 2015
    x

    Exhibit 12.7

    Among Large Firms Offering Employees a Financial Incentive to Complete Biometric Screenings, Percentage of Firms with Various Types of Incentives, by Firm Size, 2015
    x

    Exhibit 12.8

    Among Large Firms That Financially Reward Employees Based on Whether They Meet Biometric Outcomes, Percentage of Firms Basing Rewards on Various Biometric Measures, 2015
    x

    Exhibit 12.9

    Among Large Firms That Reward Employees Based on Whether They Meet Biometric Outcomes, Maximum Financial Reward an Employee Can Receive for Meeting Outcomes, 2015
    x

    Exhibit 12.10

    Among Firms Offering Health Benefits, Percentage of Firms Offering a Specific Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 12.11

    Among Firms Offering Health Benefits, Percentage of Firms Offering Specific Wellness Program to Their Employees, by Firm Size, 2015
    x

    Exhibit 12.12

    Among Firms Offering Specific Wellness Programs, Percentage of Firms That Offer Incentives to Employees Who Participate In or Complete Wellness Programs, by Firm Size, 2015
    x

    Exhibit 12.13

    Among Large Firms Offering Incentives for Workers Who Participate In or Complete Wellness Programs, Which Activities Firms Award Incentives For, by Firm Size, 2015
    x

    Exhibit 12.14

    Among Large Firms Offering Incentives for Employees Who Participate In or Complete Wellness Programs, Type of Incentive, by Firm Size, 2015
    x

    Exhibit 12.15

    Among Large Firms Offering Incentives for Workers Who Participate In or Complete Wellness Programs, Maximum Annual Value of the Reward for Wellness and Health Promotion Programs, Including Incentives for Health Risk Assessment and Biometric Screening, 2015
    x

    Exhibit 12.16

    Among Large Offering Firms That Provide Incentives to Employees Who Participate in Wellness or Health Promotion Programs, Firms’ Opinions on How Effective Incentives are for Employee Participation, by Firm Size, 2015
    x

    Exhibit 12.17

    Among Firms Offering Health Benefits, Percentage of Firms That Offer Disease Management Programs, by Firm Size, Region and Industry, 2015
    x

    Exhibit 12.18

    Among Large Firms Offering Disease Management Programs, Percentage of Firms That Offer Incentives to Employees Who Participate In or Complete Programs, by Firm Size, 2015
    x

    Exhibit 12.19

    Among Large Firms Offering Disease Management Programs, How Eligible Employees Are Enrolled in the Programs, by Firm Size, 2015
    x

    Exhibit 12.20

    Among Large Firms (200 or more workers) Offering Health Benefits, Percentage of Firms Offering Incentives for Various Wellness and Health Promotion Activities, 2015
    x

    Exhibit 13.1

    Percentage of Firms With at Least One Plan Grandfathered Under the Affordable Care Act (ACA), by Size and Region, 2015
    x

    Exhibit 13.2

    Percentage of Covered Workers Enrolled in Plans Grandfathered Under the Affordable Care Act (ACA), by Size, Region, and Industry, 2015
    x

    Exhibit 13.3

    Percentage of Covered Workers Enrolled in Plans Grandfathered Under the Affordable Care Act (ACA), by Firm Size, 2011- 2015
    x

    Exhibit 13.4

    Percentage of Covered Workers Enrolled in Plans Grandfathered Under the Affordable Care Act (ACA), by Firm Size, 2011-2015
    x

    Exhibit 14.1

    Among Firms Offering Health Benefits, Percentage of Firms That Shopped For a New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2015
    x

    Exhibit 14.2

    Among Firms Offering Health Benefits That Shopped for a New Plan or Insurance Carrier, Percentage That They Changed Insurance Carriers in the Past Year, by Firm Size, 2015
    x

    Exhibit 14.3

    Among Firms Offering Health Benefits, Percentage of Firms Who Offer a Narrow Network Plan or Have Eliminated a Hospital or Health System, by Firm Size, 2015
    x

    Exhibit 14.4

    Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network by Firm Size, 2015
    x

    Exhibit 14.5

    Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network, by Firm Size, 2007-2015
    x

    Exhibit 14.6

    Among Offering Firms with More Than 50 Employees, Percentage Considering Offering Benefits Through a Private Exchange, by Firm Size, Region, and Industry, 2015
    x

    Exhibit 14.7

    Among Offering Firms with More Than 50 Employees, Percentage of Covered Workers Enrolled at a Firm That Offers Benefits Through a Private or Corporate Exchange, by Firm Size, 2015
    x

    Exhibit 14.8

    Among Offering Firms With Fewer Than 500 Employees, Percentage of Employers who Provide Benefits Through a Co-Employment Arrangement with a Professional Employer Organization (PEO), by Firm Size, 2015
    x

    Exhibit 14.9

    Among Firms Offering Health Benefits, Percentage of Firms that Provide Additional Incentives to Employees Based on Their Enrollment Decisions, by Firm Size, 2015
    x

    Exhibit 14.10

    Among Firms Offering and Not Offering Health Benefits, Percentage of Firms Offering Section 125 Pre-Tax Employee Premium Contributions and Flexible Spending Accounts, by Firm Size, 2015
    x

    Exhibit 14.11

    Among Both Firms Offering and Not Offering Health Benefits, Percentage of Firms Offering Flexible Spending Accounts and Pre-Tax Employee Premium Contributions, by Firm Size, 2007-2015
    x

    Exhibit 14.12

    Among Large Firms Offering Health Benefits, Percentage of Firms Whose Plan with the Largest Enrollment Covers Telemedicine, by Firm Size, 2015
    x

    Exhibit 14.13

    Among Firms Offering Health Benefits, Percentage of Firms Who Have Taken Various Actions in Anticipation of the Excise Tax on High Cost Plans, by Firm Size, 2015
    x

    Exhibit 14.14

    Among Firms Who Have Conducted an Analysis to Determine Their Liability Under the High Cost Excise, Percentage of Firms who Believe that Their Plan with the Largest Enrollment Will Exceed the Thresholds in 2018, by Firm Size, 2015
    x

    Exhibit 14.15

    Among Large Firms (200 or more Workers) Offering Health Benefits Who Indicated That Have They Changed Their Plan or Switched Carriers In Anticipation of the Excise Tax on High-Cost Health Plans, Percentage of Firms That Have Taken Various Actions, 2015
    x

    Exhibit 14.16

    Among Firms Offering Health Benefits, Percentage of Firms That Have Taken Various Actions in Anticipation of the Excise Tax on High-Cost Plans, by Firm Size, 2015
    x

    Exhibit 14.17

    Among Firms with More than 100 FTEs, Percentage of Offering Firms that Offer at Least One Coverage Option That Would Meet the Affordability and Minimum Value Requirements Under the Affordable Care Act, by Firm Size and Region, 2015
    x

    Exhibit 14.18

    Among Firms with 100 or More FTEs, Percentage of Offering Firms that Were Encouraged to Extend Eligibility to Groups of Workers Not Previously Eligible for Coverage Because of the Employer Shared Responsibility Provision, by Firm Size and Region, 2015
    x

    Exhibit 14.19

    Among Firms Offering Health Benefits with 50 or More Full-Time Equivalentsǂ, Percentage of Firms That Took Various Actions, by Firm Size, 2015
    x

    Exhibit 14.20

    Among Firms Offering Health Benefits with 100 or More Full-Time Equivalentsǂ, Percentage of Firms That Took Various Actions, 2015

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