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2015 Employer Health Benefits Survey

Summary Of Findings
  1. Majerol, Melissa, Newkirk, Vann and Garfield, Rachel.  "The uninsured: A primer—key facts about health insurance on the eve of coverage expansions." Kaiser Commission on Medicaid and the Uninsured. Dec 2014. http://kff.org/uninsured/report/the-uninsured-a-primer/  See supplemental tables - Table 1: 268.9 million non-elderly people, 54.6% of whom are covered by ESI.

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  2. Kaiser/HRET surveys use the April-to-April time period, as do the sources in this and the following note.  The inflation numbers are not seasonally adjusted.  Bureau of Labor Statistics. Consumer Price Index - All Urban Consumers: Department of Labor; 2015. [cited 2015 September 2]  http://data.bls.gov/timeseries/CUUR0000SA0?output_view=pct_1mth. Wage data are from the Bureau of Labor Statistics and based on the change in total average hourly earnings of production and nonsupervisory employees.  Employment, hours, and earnings from the Current Employment Statistics survey: Department of Labor; 2015 [cited 2015 September 2]. http://data.bls.gov/timeseries/CES0500000008

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  3. "Application of Market Reform and other Provisions of the Affordable Care Act to HRAs, Health FSAs, and Certain other Employer Healthcare Arrangements." Notice 2013-54.  Internal Revenue Service.  http://www.irs.gov/pub/irs-drop/n-13-54.pdf

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  4. Federal Register. Volume 79, No 36, February 24, 2014. http://webapps.dol.gov/FederalRegister/HtmlDisplay.aspx?DocId=27369&Month=2&Year=2014

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  5. Federal Register. Vol. 75, No 221, November 17, 2010,  http://www.gpo.gov/fdsys/pkg/FR-2010-11-17/pdf/2010-28861.pdf.

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  6. Claxton, Gary & Levitt, Larry.  "How Many Employers Could be Affected by the Cadillac Plan Tax?"  Kaiser Family Foundation.  Apr 2015.     http://kff.org/health-reform/issue-brief/how-many-employers-could-be-affected-by-the-cadillac-plan-tax/

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  7. The 2015 offer rate is significantly lower than the 69% of firms which indicated that they offered benefits in 2010.  The increase in the 2010 estimate was primarily driven by a 12 percentage point increase in firms with between 3 and 9 employees offering coverage.  Given the number of small firms in the country, statistics weighted by the number of employers tend to be volatile - for more information see the survey design section.

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  8. "Assessing the Effects of the Economy on the Recent Slowdown in Health Spending."  Kaiser Family Foundation.  Apr 2013. http://kff.org/health-costs/issue-brief/assessing-the-effects-of-the-economy-on-the-recent-slowdown-in-health-spending-2/

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  9. "How has health spending changed over time?"  Peterson-Kaiser Health System Tracker.  June 2015.  http://www.healthsystemtracker.org/chart-collection/how-has-health-spending-changed-over-time/?slide=1

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Section Two: Health Benefits Offer Rates
  1. Because surveys only collect information from a portion of the total number of firms in the country, there is uncertainty in any estimate. Since there are so many small firms, sometimes even seemingly large differences are not statistically different.  For more information on the Employer Health Benefits Survey's weighting and design please see the Survey Design and Methods section.

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  2. Internal Revenue Service.  "Determining Full-Time Employees for Purposes of Shared Responsibility for Employers Regarding Health Coverage".  Notice 2012-58.   http://www.irs.gov/pub/irs-drop/n-12-58.pdf

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  3. Internal Revenue Service.  "Employer Health Care Arrangements".  April 16, 2015. http://www.irs.gov/Affordable-Care-Act/Employer-Health-Care-Arrangements

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Section Three: Employee Coverage, Eligibility, and Participation
  1. Kaiser Commission on Medicaid and the Uninsured. The uninsured: A primer—key facts about health insurance and the uninsured in America [Internet]. Washington (DC): The Commission; 2014 Dec [cited 2015 Jul 24]. http://kff.org/uninsured/report/the-uninsured-a-primer/  See supplemental tables - Table 1: 268.9 million non-elderly people, 54.6% of whom are covered by ESI.

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  2. In 2009, Kaiser/HRET began weighting the percentage of workers that take up coverage by the number of workers eligible for coverage.  The historical take up estimates have also been updated.  See the Survey Design and Methods section for more information.

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  3. Variable hour employees may have a measurement period of up to 12 months before it is determined if they are eligible for benefits.  Employers may require a cumulative service requirement of 1,200 hours before an employee may enroll.  Federal Register.  Vol. 79, No.36.  February 24, 2014. https://www.federalregister.gov/articles/2014/02/24/2014-03811/ninety-day-waiting-period-limitation

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  4. United States Department of Labor.  “Technical Release 2012-01”. http://www.dol.gov/ebsa/healthreform/regulations/automaticenrollment.html

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Section Four: Types of Plans Offered
  1. Starting in 2010, we included firms that said they offer a plan type even if there are no covered workers enrolled in that plan type.

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Section Six: Worker and Employer Contributions for Premiums
  1. Estimates for premiums, worker contributions to premiums, and employer contributions to premiums presented in Section 6 do not include contributions made by the employer to Health Savings Accounts (HSAs) or Health Reimbursement Arrangements (HRAs). See Section 8 for estimates of employer contributions to HSAs and HRAs.

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  2. For definitions of Self-Funded and Fully Insured plans, see the introduction to Section 10.

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Section Seven: Employee Cost Sharing
  1. Some workers with separate per-person deductibles or out-of-pocket maximums for family coverage do not have a specific number of family members that are required to meet the deductible amount and instead have another type of limit, such as a per-person amount with a total dollar amount limit.  These responses are included in the averages and distributions for separate family deductibles and out-of-pocket maximums.

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  2. Starting in 2010, the survey asked about the prevalence and cost of physician office visits separately for primary care and specialty care.  Prior to the 2010 survey, if the respondent indicated the plan had a copayment for office visits, we assumed the plan had a copayment for both primary and specialty care visits.  The survey did not allow for a respondent to report that a plan had a copayment for primary care visits and coinsurance for visits with a specialist physician. The changes made in 2010 allow for variations in the type of cost sharing for primary care and specialty care visits.  This year the survey includes cost sharing for in-network services only.  See the 2007 survey for information on out-of-network office visit cost sharing.

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Section Eight: High-Deductible Health Plans with Savings Option
  1. There is no legal requirement for the minimum deductible in a plan offered with an HRA. The survey defines a high-deductible HRA plan as a plan with a deductible of at least $1,000 for single coverage and $2,000 for family coverage. Federal law requires a deductible of at least $1,300 for single coverage and $2,600 for family coverage for HSA-qualified HDHPs in 2015. See the Text Box for more information on HDHP/HRAs and HSA-qualified HDHPs.

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  2. The definitions of HDHP/SOs do not include other consumer-driven plan options, such as arrangements that combine an HRA with a lower-deductible health plan or arrangements in which an insurer (rather than the employer as in the case of HRAs or the enrollee as in the case of HSAs) establishes an account for each enrollee. Other arrangements may be included in future surveys as the market evolves.

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  3. The average out-of-pocket maximum for HDHP/HRAs is calculated for plans with an out-of-pocket maximum. About 3% of covered workers in HDHP/HRAs with single coverage or family coverage are in plans that reported having no limit on out-of-pocket expenses.

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  4. In the survey, we ask, “Up to what dollar amount does your firm promise to contribute each year to an employee’s HRA or health reimbursement arrangement for single coverage?” We refer to the amount that the employer commits to make available to an HRA as a contribution for ease of discussion. As discussed, HRAs are notional accounts, and employers are not required to actually transfer funds until an employee incurs expenses. Thus, employers may not expend the entire amount that they commit to make available to their employees through an HRA. Some employers may make their HRA contribution contingent on other factors, such as completing wellness programs.

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Section Thirteen: Grandfathered Health Plans
  1. Federal Register. Vol. 75, No. 116, June 17, 2010, http://www.gpo.gov/fdsys/pkg/FR-2010-06-17/pdf/2010-14614.pdf, and No. 221, Nov. 17, 2010, http://edocket.access.gpo.gov/2010/pdf/2010-28861.pdf

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  2. United States Department of Labor. (June 17, 2010). EBSA Final Rules. Group Health Plans and Health Insurance Coverage Relating to Status as a Grandfathered Health Plan Under the Patient Protection and Affordable Care Act; Interim Final Rule and Proposed Rule. http://webapps.dol.gov/FederalRegister/HtmlDisplay.aspx?DocId=23967&AgencyId=8&DocumentType=2

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  3. Cohen, Gary. Department of Health and Human Services. Nov 14, 2013. http://www.cms.gov/CCIIO/Resources/Letters/Downloads/commissioner-letter-11-14-2013.PDF and Cohen, Gary, "Insurance Standards Bulletin Series – Extension of Transitional Policy through October 1, 2016." Department of Health and Human Services. March 5, 2014. https://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/transition-to-compliant-policies-03-06-2015.pdf

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Methodology
  1. HDHP/SO includes high-deductible health plans offered with either a Health Reimbursement Arrangement (HRA) or a Health Savings Account (HSA). Although HRAs can be offered along with a health plan that is not an HDHP, the survey collected information only on HRAs that are offered along with HDHPs. For specific definitions of HDHPs, HRAs, and HSAs, see the introduction to Section 8.

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  2. HDHP/SO premium estimates do not include contributions made by the employer to Health Savings Accounts or Health Reimbursement Arrangements.

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  3. In total, 142 firms participated in 2013, 315 firms participated in 2014 and, and 1,082 firms participated in 2013 and 2014.

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  4. Response rate estimates are calculated by dividing the number of completes over the number of refusals and the fraction of the firms with unknown eligibility to participate estimated to be eligible. Firms determined to be ineligible to complete the survey are not included in the response rate calculation.

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  5. Estimates presented in Exhibits 2.1, 2.2, 2.3 and 2.5 are based on the sample of both firms that completed the entire survey and those that answered just one question about whether they offer health benefits.

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  6. General information on the OES can be found at: http://www.bls.gov/oes/oes_emp.htm#scope. A comparison between the OES and the NCS is available at: http://www.bls.gov/oes/oes_ques.htm

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  7. Analysis of the 2011 survey data using both R and SUDAAN (the statistical package used prior to 2012) produced the same estimates and standard errors. Research Triangle Institute (2008). SUDAAN Software for the Statistical Analysis of Correlated Data, Release 10.0, Research Triangle Park, NC: Research Triangle Institute.

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  8. A supplement with standard errors for select estimates can be found online at Technical Supplement: Standard Error Tables for Selected Estimates, http://ehbs.kff.org

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  9. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 2000-2015; http://data.bls.gov/timeseries/CUUR0000SA0?output_view=pct_1mth

     

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x

Exhibit 2.1

Percentage of Firms Offering Health Benefits, 1999–2015
x

Exhibit 2.3

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

Exhibit 2.2

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

Exhibit 2.5

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

Exhibit 2.4

Percentage of Firms Offering Health Benefits, by Firm Characteristics, 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 2.9

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 2.10

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 2.13

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 2.12

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 2.14

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 3.2

Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 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 3.6

Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2015
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 3.7

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 3.10

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 3.8

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 3.11

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 4.4

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 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 6.8

Average Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Firm Size, 1999-2015
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 6.6

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 6.15

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 6.21

Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 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 6.13

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

Exhibit 6.20

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

Exhibit 6.26

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 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 7.1

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 7.3

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 7.7

Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 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 7.13

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 7.18

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 7.21

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 7.32

Prevalence and Value of General Annual Deductible for Single Coverage by Firm Size, 2006-2015
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 7.8

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

Exhibit 7.22

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 7.24

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 7.23

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 7.25

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 7.31

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

Exhibit 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 8.5

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

Exhibit 8.7

HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 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 8.11

Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 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 8.14

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 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 13.4

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

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