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2016 Employer Health Benefits Survey

Summary Of Findings
  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; 2015 Nov [cited 2016 Aug 1]. http://kff.org/uninsured/report/the-uninsured-a-primer/. See supplemental tables - Table 1: 270.2 million non-elderly people, 55.5% 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 2016 July 28] 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; 2016 [cited 2016 July 28]. http://data.bls.gov/timeseries/CES0500000008

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  3. The change in enrollment in HDHP/SO between 2014 (20%) and 2016 (29%) is 8% due to rounding.

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  4. The change in enrollment in HDHP/SO between 2014 (20%) and 2016 (29%) is 8% due to rounding.

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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. Internal Revenue Service. Section 4980I—Excise Tax on High Cost Employer-Sponsored Health Coverage: Notice 2015-16. https://www.irs.gov/pub/irs-drop/n-15-16.pdf

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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 Code. 26 U.S. Code § 4980H - Shared responsibility for employers regarding health coverage. 2011. https://www.gpo.gov/fdsys/pkg/USCODE-2011-title26/pdf/USCODE-2011-title26-subtitleD-chap43-sec4980H.pdf

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  3. Internal Revenue Service. "Employer Health Care Arrangements". Last updated March 4, 2016. 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; 2015 Nov [cited 2016 Aug 1]. http://kff.org/uninsured/report/the-uninsured-a-primer/. See supplemental tables - Table 1: 270.2 million non-elderly people, 55.5% 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 up to 1,200 hours before an employee may enroll. Federal Register. Vol. 79, No. 36. Feb 12, 2014. https://www.gpo.gov/fdsys/pkg/FR-2014-02-24/pdf/2014-03809.pdf

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  4. Under the ACA, employers may determine whether or not an employee is a full-time employee by looking back at the number of hours an employee has worked during a defined period. See https://www.irs.gov/affordable-care-act/employers/identifying-full-time-employees

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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 Five: Market Shares of Health Plans
  1. The change in enrollment in HDHP/SO between 2014 (20%) and 2016 (29%) is 8% due to rounding.

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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. The average percent contribution is calculated as a weighted average of all a firm’s plan types and may not necessarily equal the average worker contribution divided by the average premium.

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  3. 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. The survey includes cost sharing for in-network services only.

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  3. For those enrolled in an HDHP/HSA, the out-of-pocket maximum is $6,550 for an individual plan and $13,100 for a family plan.

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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 2016. 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 survey asks “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 Nine: Prescription Drug Benefits
  1. See the Methods Section for more information. In cases in which a firm indicated that one of their tiers was exclusively for specialty drugs, we reported the cost-sharing structure and any copay or coinsurance information under the specialty drug banner. Therefore, a firm that has three tiers of cost sharing may only have plan attributes for the generic and preferred tier.

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  2. See the Methods Section for changes in these questions and responses as compared to 2015.

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Section Fourteen: Employer Opinions and Health Plan Practices
  1. Internal Revenue Service. Section 4980I—Excise Tax on High Cost Employer-Sponsored Health Coverage: Notice 2015-16. https://www.irs.gov/pub/irs-drop/n-15-16.pdf

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Survey Design and Methods
  1. HDHP/SO includes high-deductible health plans with a deductible of at least $1,000 for single coverage and $2,000 for family coverage and that offer 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, 124 firms participated in 2014, 269 firms participated in 2015, and 1,064 firms participated in both 2014 and 2015.

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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.

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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), 2000-2016; http://data.bls.gov/timeseries/CUUR0000SA0?output_view=pct_1mth

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x

Exhibit 2.1

Percentage of Firms Offering Health Benefits, 1999-2016
Exhibit 2.1: Percentage of Firms Offering Health Benefits, 1999-2016
x

Exhibit 2.3

Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2016
Exhibit 2.3: Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2016
x

Exhibit 2.2

Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2016
Exhibit 2.2: Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2016
x

Exhibit 2.4

Percentage of Firms Offering Health Benefits to At Least Some of Their Workers, by Firm Size, 2016
Exhibit 2.4: Percentage of Firms Offering Health Benefits to At Least Some of Their Workers, by Firm Size, 2016
x

Exhibit 2.7

Among Firms Offering Health Benefits, Percentage of Firms That Offer to Part-Time Workers, by Firm Size, 2016
Exhibit 2.7: Among Firms Offering Health Benefits, Percentage of Firms That Offer to Part-Time Workers, by Firm Size, 2016
x

Exhibit 2.9

Among Firms Offering Health Benefits, Percentage of Firms That Offer to Part-Time Workers, by Firm Size, 1999-2016
Exhibit 2.9: Among Firms Offering Health Benefits, Percentage of Firms That Offer to Part-Time Workers, by Firm Size, 1999-¬2016
x

Exhibit 2.8

Among Firms Offering Health Benefits, Percentage of Firms That Offer to Temporary Workers, by Firm Size, 1999-2016
Exhibit 2.8: Among Firms Offering Health Benefits, Percentage of Firms That Offer to Temporary Workers, by Firm Size, 1999-2016
x

Exhibit 2.10

Among Firms Offering Health Benefits, Percentage of Firms That Offer to Temporary Workers, by Firm Size, 1999-2016
Exhibit 2.10: Among Firms Offering Health Benefits, Percentage of Firms That Offer to Temporary Workers, by Firm Size, 1999-¬2016
x

Exhibit 2.11

Among Firms Offering Health Benefits, Percentage of Firms That Offer to Spouses, Dependents and Partners, 2016
Exhibit 2.11: Among Firms Offering Health Benefits, Percentage of Firms That Offer to Spouses, Dependents and Partners, 2016
x

Exhibit 2.13

Among Firms Offering Health Benefits, Percentage of Firms That Offer to Unmarried Same-Sex and Opposite-Sex Domestic Partners, by Firm Size, 2008-2016
Exhibit 2.13: Among Firms Offering Health Benefits, Percentage of Firms That Offer to Unmarried Same-Sex and Opposite-Sex Domestic Partners, by Firm Size, 2008-2016
x

Exhibit 2.12

Among Firms Offering Benefits, Percentage of Firms That Offer to Same-Sex and Opposite-Sex Domestic Partners, By Firm Size, Region and Industry, 2016
Exhibit 2.12: Among Firms Offering Benefits, Percentage of Firms That Offer to Same-Sex and Opposite-Sex Domestic Partners, By Firm Size, Region and Industry, 2016
x

Exhibit 2.14

Among Firms Offering Health Benefits to Spouses, Firm’s Approach to Spousal Coverage, by Firm Size, 2016
Exhibit 2.14: Among Firms Offering Health Benefits to Spouses, Firm’s Approach to Spousal Coverage, by Firm Size, 2016
x

Exhibit 2.15

Among Firms Offering Health Benefits to Spouses, Percentage of Firms That Have Made a Significant Reduction in the Amount They Contribute to Cover an Employee's Spouse in the Last Year, by Firm Size, Region, and Industry, 2016
Exhibit 2.15: Among Firms Offering Health Benefits to Spouses, Percentage of Firms That Have Made a Significant Reduction in the Amount They Contribute to Cover an Employee's Spouse in the Last Year, by Firm Size, Region, and Industry, 2016
x

Exhibit 2.16

Among Firms Offering Benefits, Percentage of Firms That Provide Additional Incentives to Employees for Various Enrollment Decisions, by Firm Size, 2016
Exhibit 2.16: Among Firms Offering Benefits, Percentage of Firms That Provide Additional Incentives to Employees for Various Enrollment Decisions, by Firm Size, 2016
x

Exhibit 2.17

Among Small Firms Not Offering Health Benefits, Most Important Reason for Not Offering, 2016
Exhibit 2.17: Among Small Firms Not Offering Health Benefits, Most Important Reason for Not Offering, 2016
x

Exhibit 2.18

Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage of Firms That Report the Following Actions, 2009-2016
Exhibit 2.18: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage of Firms That Report the Following Actions, 2009-2016
x

Exhibit 2.19

Among Small Firms Not Offering Health Benefits, Percentage of Firms That Provide Employees Funds to Purchase Non-Group Insurance, by Firm Size, 2012-2016
Exhibit 2.19: Among Small Firms Not Offering Health Benefits, Percentage of Firms That Provide Employees Funds to Purchase Non-Group Insurance, by Firm Size, 2012-2016
x

Exhibit 2.20

Among Firms With 3-50 Full-Time Equivalents (FTEs) Not Offering and Offering Health Benefits, Percentage of Firms That Looked at Coverage Through a SHOP Exchange, by Firm Size, 2016
Exhibit 2.20: Among Firms With 3-50 Full-Time Equivalents (FTEs) Not Offering and Offering Health Benefits, Percentage of Firms That Looked at Coverage Through a SHOP Exchange, by Firm Size, 2016
x

Exhibit 2.21

Among Firms With 3-50 Full-Time Equivalents (FTEs) Not Offering Health Benefits Who Looked at Coverage Through a SHOP Exchange, Reasons Why They Did Not Purchase a Plan, 2016
Exhibit 2.21: Among Firms With 3-50 Full-Time Equivalents (FTEs) Not Offering Health Benefits Who Looked at Coverage Through a SHOP Exchange, Reasons Why They Did Not Purchase a Plan, 2016
x

Exhibit 2.22

Among Firms With 3-50 Full-Time Equivalents (FTEs) Offering Health Benefits Who Looked at Coverage Through a SHOP Exchange, Reasons Why They Did Not Purchase a Plan, 2016
Exhibit 2.22: Among Firms With 3-50 Full-Time Equivalents (FTEs) Offering Health Benefits Who Looked at Coverage Through a SHOP Exchange, Reasons Why They Did Not Purchase a Plan, 2016
x

Exhibit 3.2

Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2016
Exhibit 3.2: Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2016
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, 1999-2016
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, 1999-2016
x

Exhibit 3.6

Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2016
Exhibit 3.6: Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2016
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, 2016
Exhibit 3.3: Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2016
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, 2016
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, 2016
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, 2016
Exhibit 3.5: Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2016
x

Exhibit 3.9

Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, 2002-2016
Exhibit 3.9: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, 2002-2016
x

Exhibit 3.7

Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2016
Exhibit 3.7: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2016
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, 2016
Exhibit 4.1: Among Firms Offering Health Benefits, Percentage of Firms That Offer One, Two, or Three or More Plan Types, by Firm Size, 2016
x

Exhibit 4.2

Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2016
Exhibit 4.2: Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2016
x

Exhibit 4.4

Among Firms Offering Health Benefits, Percentage of Covered Workers in Firms That Offer the Following Plan Types, by Firm Size, 2016
Exhibit 4.4: Among Firms Offering Health Benefits, Percentage of Covered Workers in Firms That Offer the Following Plan Types, by Firm Size, 2016
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, 2016
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, 2016
x

Exhibit 5.1

Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2016
Exhibit 5.1: Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2016
x

Exhibit 5.2

Distribution of Health Plan Enrollment for Covered Workers, by Plan Type and Firm Size, 2016
Exhibit 5.2: Distribution of Health Plan Enrollment for Covered Workers, by Plan Type and Firm Size, 2016
x

Exhibit 5.3

Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2016
Exhibit 5.3: Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2016
x

Exhibit 6.1

Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2016
Exhibit 6.1: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2016
x

Exhibit 6.23

Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2016
Exhibit 6.23: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2016
x

Exhibit 6.2

Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2016
Exhibit 6.2: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2016
x

Exhibit 6.3

Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2016
Exhibit 6.3: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2016
x

Exhibit 6.4

Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2016
Exhibit 6.4: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2016
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, 2016
Exhibit 6.5: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2016
x

Exhibit 6.6

Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Firm Size, 2016
Exhibit 6.6: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Firm Size, 2016
x

Exhibit 6.8

Average Annual Worker Premium Contributions Paid by Covered Workers for Single Coverage, by Firm Size, 1999-2016
Exhibit 6.8: Average Annual Worker Premium Contributions Paid by Covered Workers for Single Coverage, by Firm Size, 1999-2016
x

Exhibit 6.9

Average Annual Worker Premium Contributions Paid by Covered Workers for Family Coverage, by Firm Size, 1999-2016
Exhibit 6.9: Average Annual Worker Premium Contributions Paid by Covered Workers for Family Coverage, by Firm Size, 1999-2016
x

Exhibit 6.17

Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2016.
Exhibit 6.17: Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2016.
x

Exhibit 6.18

Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2016
Exhibit 6.18: Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2016
x

Exhibit 6.19

Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2016
Exhibit 6.19: Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2016
x

Exhibit 6.16

Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2016
Exhibit 6.16: Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2016
x

Exhibit 6.21

Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2016
Exhibit 6.21: Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2016
x

Exhibit 6.22

Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2016
Exhibit 6.22: Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2016
x

Exhibit 6.15

Average Annual Premium Contribution Paid by Covered Workers for Single and Family Coverage, by Firm Characteristics, 2016
Exhibit 6.15: Average Annual Premium Contribution Paid by Covered Workers for Single and Family Coverage, by Firm Characteristics, 2016
x

Exhibit 6.26

Among Firms Offering Family Coverage, Percentage of Firms Using Various Approaches to Family Premium Contributions, by Firm Size, 2016
Exhibit 6.26: Among Firms Offering Family Coverage, Percentage of Firms Using Various Approaches to Family Premium Contributions, by Firm Size, 2016
x

Exhibit 6.28

Among Firms Offering Health Benefits, Percentage of Firms That Require Employees Who Use Tobacco to Contribute More to the Premium or Cost-Sharing, by Firm Size and Region, 2016
Exhibit 6.28: Among Firms Offering Health Benefits, Percentage of Firms That Require Employees Who Use Tobacco to Contribute More to the Premium or Cost-Sharing, by Firm Size and Region, 2016
x

Exhibit 7.2

Percentage of Covered Workers in a Plan that Includes a General Annual Deductible for Single Coverage, By Firm Size, 2006-2016
Exhibit 7.2: Percentage of Covered Workers in a Plan that Includes a General Annual Deductible for Single Coverage, By Firm Size, 2006-2016
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, 2016
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, 2016
x

Exhibit 7.4

Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percentage of Workers Who Have the Following Types of Cost Sharing, by Plan Type, 2016
Exhibit 7.4: Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percentage of Workers Who Have the Following Types of Cost Sharing, by Plan Type, 2016
x

Exhibit 7.7

Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2016
Exhibit 7.7: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2016
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, 2016
Exhibit 7.5: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2016
x

Exhibit 7.16

Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2016
Exhibit 7.16: Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2016
x

Exhibit 7.18

Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2016
Exhibit 7.18: Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2016
x

Exhibit 7.19

Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2016
Exhibit 7.19: Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2016
x

Exhibit 7.20

Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2016
Exhibit 7.20: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2016
x

Exhibit 7.23

Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits, By Plan Type, 2016
Exhibit 7.23: Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits, By Plan Type, 2016
x

Exhibit 7.24

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, 2016
Exhibit 7.24: 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, 2016
x

Exhibit 7.26

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, 2016
Exhibit 7.26: 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, 2016
x

Exhibit 7.9

Prevalence and Value of Average General Annual Deductible for Single Coverage by Firm Size, 2006-2016
Exhibit 7.9: Prevalence and Value of Average General Annual Deductible for Single Coverage by Firm Size, 2006-2016
x

Exhibit 7.10

Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2009-2016
Exhibit 7.10: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2009-2016
x

Exhibit 7.8

Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2016
Exhibit 7.8: Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2016
x

Exhibit 7.12

Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2009-2016
Exhibit 7.12: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2009-2016
x

Exhibit 7.14

Among Covered Workers Enrolled in an HDHP/SO, Average General Annual Deductibles for Single Coverage After Any HRA/HSA Contributions, by Firm Size, 2016
Exhibit 7.14: Among Covered Workers Enrolled in an HDHP/SO, Average General Annual Deductibles for Single Coverage After Any HRA/HSA Contributions, by Firm Size, 2016
x

Exhibit 7.11

Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage After Any HRA/HSA Contributions, by Firm Size, 2009-2016
Exhibit 7.11: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage After Any HRA/HSA Contributions, by Firm Size, 2009-2016
x

Exhibit 7.27

Distribution of Covered Workers with Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2016
Exhibit 7.27: Distribution of Covered Workers with Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2016
x

Exhibit 7.29

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, 2016
Exhibit 7.29: 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, 2016
x

Exhibit 7.28

Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2016
Exhibit 7.28: Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2016
x

Exhibit 7.30

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, 2016
Exhibit 7.30: 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, 2016
x

Exhibit 7.31

Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office Visits, Average Copayments and Coinsurance, by Plan Type, 2016
Exhibit 7.31: Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office Visits, Average Copayments and Coinsurance, by Plan Type, 2016
x

Exhibit 7.36

Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2016
Exhibit 7.36: Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2016
x

Exhibit 8.1

Among Firms Offering Health Benefits, Percentage that Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2016
Exhibit 8.1: Among Firms Offering Health Benefits, Percentage that Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2016
x

Exhibit 8.2

Among Firms Offering Health Benefits, Percentage of Firms that Offer an HDHP/SO, by Firm Size, 2016
Exhibit 8.2: Among Firms Offering Health Benefits, Percentage of Firms that Offer an HDHP/SO, by Firm Size, 2016
x

Exhibit 8.5

Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2016
Exhibit 8.5: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2016
x

Exhibit 8.7

HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2016
Exhibit 8.7: HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2016
x

Exhibit 8.9

Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2016
Exhibit 8.9: Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2016
x

Exhibit 8.11

Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2016
Exhibit 8.11: Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2016
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, 2016
8905-exhibit-8-8
x

Exhibit 8.14

Distribution of Covered Workers with the Following Annual Employer Contributions to Their HRA or HSA, for Single Coverage, 2016
Exhibit 8.14: Distribution of Covered Workers with the Following Annual Employer Contributions to Their HRA or HSA, for Single Coverage, 2016
x

Exhibit 8.15

Distribution of Covered Workers with the Following Annual Employer Contributions to Their HRA or HSA, for Family Coverage, 2016
Exhibit 8.15: Distribution of Covered Workers with the Following Annual Employer Contributions to Their HRA or HSA, for Family Coverage, 2016
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, 2016
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, 2016
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, 2016
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, 2016
x

Exhibit 8.19

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, 2016
Exhibit 8.19: 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, 2016
x

Exhibit 9.1

Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2016
Exhibit 9.1: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2016
x

Exhibit 9.2

Distribution of Covered Workers at Large Firms Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2016
Exhibit 9.2: Distribution of Covered Workers at Large Firms Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2016
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, 2016
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, 2016
x

Exhibit 9.4

Among Covered Workers with Three, Four, or More Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance, 2000-2016
8905-exhibit-9-4
x

Exhibit 9.7

Among Covered Workers with Two Tiers of Prescription Drug Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2016
Exhibit 9.7: Among Covered Workers with Two Tiers of Prescription Drug Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2016
x

Exhibit 9.8

Among Covered Workers with the Same Cost Sharing Regardless of Drug Type, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Firm Size, 2016
Exhibit 9.8: Among Covered Workers with the Same Cost Sharing Regardless of Drug Type, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Firm Size, 2016
x

Exhibit 9.9

Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2016
Exhibit 9.9: Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2016
x

Exhibit 9.10

Among Covered Workers with Cost-Sharing for Prescription Drug Coverage, Percentage of Covered Workers Enrolled in a Plan Where the Firm's Prescription Drug Benefits Cover Only Generic Drugs, by Drug Tier, 2016
Exhibit 9.10: Among Covered Workers with Cost-Sharing for Prescription Drug Coverage, Percentage of Covered Workers Enrolled in a Plan Where the Firm's Prescription Drug Benefits Cover Only Generic Drugs, by Drug Tier, 2016
x

Exhibit 9.12

Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, by Drug Tier, 2016
Exhibit 9.12: Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, by Drug Tier, 2016
x

Exhibit 9.13

Percentage of Covered Workers at Large Firms Whose Plan with the Largest Enrollment Includes Coverage for Specialty Drugs, by Firm Size, Region, and Industry, 2016
Exhibit 9.13: Percentage of Covered Workers at Large Firms Whose Plan with the Largest Enrollment Includes Coverage for Specialty Drugs, by Firm Size, Region, and Industry, 2016
x

Exhibit 9.14

Among Large Firms Whose Prescription Drug Coverage Includes Specialty Drugs, Percentage of Covered Workers Enrolled in a Plan That Has a Separate Tier for Specialty Drugs, by Firm Size, 2016
Exhibit 9.13: Percentage of Covered Workers at Large Firms Whose Plan with the Largest Enrollment Includes Coverage for Specialty Drugs, by Firm Size, Region, and Industry, 2016
x

Exhibit 9.15

Among Covered Workers at Large Firms Enrolled in a Plan with a Separate Tier for Specialty Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing, by Firm Size, 2016
Exhibit 9.15: Among Covered Workers at Large Firms Enrolled in a Plan with a Separate Tier for Specialty Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing, by Firm Size, 2016
x

Exhibit 9.16

Among Covered Workers at Large Firms Enrolled in a Plan with a Specific Tier for Specialty Drugs, Average Copayments and Average Coinsurance, by Firm Size, 2016
Exhibit 9.16: Among Covered Workers at Large Firms Enrolled in a Plan with a Specific Tier for Specialty Drugs, Average Copayments and Average Coinsurance, by Firm Size, 2016
x

Exhibit 9.17

Among Large Firms Whose Plan with the Largest Enrollment Covers Specialty Drugs, Percentage of Firms That Use the Following Strategies to Contain Specialty Drug Costs, 2016
Exhibit 9.17: Among Large Firms Whose Plan with the Largest Enrollment Covers Specialty Drugs, Percentage of Firms That Use the Following Strategies to Contain Specialty Drug Costs, 2016
x

Exhibit 14.1

Percentage of Firms Offering Health Benefits that Shopped for a New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2016
Exhibit 14.1: Percentage of Firms Offering Health Benefits that Shopped for a New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2016
x

Exhibit 14.2

Among Firms Offering Health Benefits That Shopped for a New Plan or Insurance Carrier, Percentage of Firms that Changed Insurance Carriers in the Past Year, by Firm Size, 2016
Exhibit 14.2: Among Firms Offering Health Benefits That Shopped for a New Plan or Insurance Carrier, Percentage of Firms that Changed Insurance Carriers in the Past Year, by Firm Size, 2016
x

Exhibit 14.24

Among Firms Offering Health Benefits, Percentage of Firms that Adjust the COBRA Premium for Qualified Former Employees Based on the Age of Enrollees, by Firm Size, 2016
Exhibit 14.24: Among Firms Offering Health Benefits, Percentage of Firms that Adjust the COBRA Premium for Qualified Former Employees Based on the Age of Enrollees, by Firm Size, 2016
x

Exhibit 14.9

Among Firms Offering Health Benefits, Percentage of Firms Whose Plan with the Largest Enrollment Covers Care at Retail Clinics, by Firm Size, 2016
8905-exhibit-14-9
x

Exhibit 14.7

Among Large Firms Offering Health Benefits, Percentage of Firms Whose Plan with the Largest Enrollment Covers Telemedicine, by Firm Size, 2016
Exhibit 14.7: Among Large Firms Offering Health Benefits, Percentage of Firms Whose Plan with the Largest Enrollment Covers Telemedicine, by Firm Size, 2016
x

Exhibit 14.11

Among Firms with 50 or More Employees Offering Health Benefits, Percentage of Firms that Have an On-Site Health Clinic at any of their Major Locations, by Firm Size, 2016
Exhibit 14.11: Among Firms with 50 or More Employees Offering Health Benefits, Percentage of Firms that Have an On-Site Health Clinic at any of their Major Locations, by Firm Size, 2016
x

Exhibit 14.6

Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network, by Firm Size, 2007-2016
Exhibit 14.6: Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network, by Firm Size, 2007-2016
x

Exhibit 14.4

Among Firms with 50 or More Employees Offering Health Benefits, Percentage of Firms Who Offer a Narrow Network Plan or Have Eliminated a Hospital or Health System, by Firm Size, 2014-2016
Exhibit 14.4: Among Firms with 50 or More Employees Offering Health Benefits, Percentage of Firms Who Offer a Narrow Network Plan or Have Eliminated a Hospital or Health System, by Firm Size, 2014-2016
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, 2016
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, 2016
x

Exhibit 14.15

Among Firms Offering Health Benefits with More Than 50 Employees, Percentage of Covered Workers Enrolled at a Firms that Offers Benefits Through a Private or Corporate Exchange, by Firm Size, 2016
Exhibit 14.15: Among Firms Offering Health Benefits with More Than 50 Employees, Percentage of Covered Workers Enrolled at a Firms that Offers Benefits Through a Private or Corporate Exchange, by Firm Size, 2016
x

Exhibit 14.14

Among Offering Firms with 50 or More Employees, Percentage of Firms Considering Offering Benefits Through a Private Exchange, by Firm Size, Region, and Industry, 2016
Exhibit 14.14: Among Offering Firms with 50 or More Employees, Percentage of Firms Considering Offering Benefits Through a Private Exchange, by Firm Size, Region, and Industry, 2016
x

Exhibit 14.22

Among Firms with 50 or More Full-Time-Equivalents, Percentage of Firms that Offer Health Benefits to At Least 95% of Their Full-Time Employees and that Would Meet Affordability and Minimum Value Requirements, by Firm Size, 2016
Exhibit 14.22: Among Firms with 50 or More Full-Time-Equivalents, Percentage of Firms that Offer Health Benefits to At Least 95% of Their Full-Time Employees and that Would Meet Affordability and Minimum Value Requirements, by Firm Size, 2016
x

Exhibit 14.23

Among Offering Firms with 50 or More Full-Time Equivalentsǂ, Percentage that Took Various Actions in Response to the Employer Shared Responsibility Provision of the ACA, by Firm Size, 2016
Exhibit 14.23: Among Offering Firms with 50 or More Full-Time Equivalentsǂ, Percentage that Took Various Actions in Response to the Employer Shared Responsibility Provision of the ACA, by Firm Size, 2016
x

Exhibit 14.19

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, 2016
Exhibit 14.19: 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, 2016
x

Exhibit 14.20

Among Firms Who Have Conducted an Analysis to Determine Their Liability Under the High Cost Excise Tax, Percentage of Firms that Believe that Their Plan with the Largest Enrollment Will Exceed the Thresholds in 2018 and 2020, by Firm Size, 2016
Exhibit 14.20: Among Firms Who Have Conducted an Analysis to Determine Their Liability Under the High Cost Excise Tax, Percentage of Firms that Believe that Their Plan with the Largest Enrollment Will Exceed the Thresholds in 2018 and 2020, by Firm Size, 2016
x

Exhibit 14.21

Among Firms that Have Conducted an Analysis to Determine Their Liability Under the High Cost Excise, Percentage that Reconsidered or is Postponing Changes Because of the Delay from 2018 to 2020, 2016
Exhibit 14.21: Among Firms that Have Conducted an Analysis to Determine Their Liability Under the High Cost Excise, Percentage that Reconsidered or is Postponing Changes Because of the Delay from 2018 to 2020, 2016

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