| Section 1: Cost of Health Insurance | | Exhibit 1.1: | Average Percentage Increase in Health Insurance Premiums Compared to Other Indicators, 1988-2007 | | Exhibit 1.2: | Average Percentage Increase in Health Insurance Premiums Compared to Other Indicators, 1988-2007 | | Exhibit 1.3: | Average Percentage Increase in Health Insurance Premiums, by Plan Type, 1999-2007 | | Exhibit 1.4: | Average Percentage Increase in Health Insurance Premiums, by Firm Size, 2007 | | Exhibit 1.5: | Distribution of Average Percentage Increase in Health Insurance Premiums, by Firm Size, 2007 | | Exhibit 1.6: | Average Percentage Increase in Health Insurance Premiums, by Firm Size and Plan Type, 2007 | | Exhibit 1.7: | Average Percentage Increase in Health Insurance Premiums, by Plan Type, 2007 | | Exhibit 1.8: | Average Percentage Increase in Health Insurance Premiums, by Funding Arrangement and Plan Type, 2007 | | Exhibit 1.9: | Average Percentage Increase in Health Insurance Premiums by Funding Arrangement, 1999-2007 | | Exhibit 1.10: | Average Percentage Increase in Health Insurance Premiums, by Firm Size, Region, and Industry, 1999-2007 | | Exhibit 1.11: | Average Monthly Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2007 | | Exhibit 1.12: | Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Firm Size, 2007 | | Exhibit 1.13: | Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Region, 2007 | | Exhibit 1.14: | Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Industry, 2007 | | Exhibit 1.15: | Distribution of Single and Family Average Monthly Premiums for Covered Workers, 2001-2007 | |  Print Section 1
| | Section 2: Health Benefit Offer Rates | | Exhibit 2.1: | Percentage of Firms Offering Health Benefits, 1999–2007 | | Exhibit 2.2: | Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2007 | | Exhibit 2.3: | Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2007 | | Exhibit 2.4: | Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2007 | | Exhibit 2.5: | Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999-2007 | | Exhibit 2.6: | Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999-2007 | | Exhibit 2.7: | Among Firms Offering Health Benefits, Percentage of Employers Offering Health Benefits to Domestic Partners, by Firm Size, Region, and Industry, 2007 | | Exhibit 2.8: | Among Small Firms (3-199 Workers) Not Offering Health Benefits, Reasons for Not Offering, 2007 | | Exhibit 2.9: | Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Offered Insurance Within the Last Five Years or Shopped for Insurance Within the Past Year, 2007 | | Exhibit 2.10: | Among Small Firms (3-199 Workers) Not Offering Health Benefits, Employer Beliefs About Employees’ Preferences for Higher Wages or Health Insurance Benefits, 2003-2007 | | Exhibit 2.11: | Among Small Firms (3-199 Workers) Not Offering Health Benefits, Distribution of Firms by the Amount They Believe the Total Cost of Health Insurance for One Employee Would Cost per Employee per Month if They Offered the Benefit, 2005-2007 | | Exhibit 2.12: | Among Small Firms (3-199 Workers) Not Offering Benefits, Distribution of Firms by the Amount They Believe They Could Afford to Pay for Health Insurance Coverage for an Employee with Single Coverage, 2003-2007 | | Exhibit 2.13: | Among Small Firms (3-199 Workers) Not Offering Health Benefits, Distribution of Firms by the Amounts They Believe Their Employees Could Afford to Pay for Individual Health Insurance Coverage, 2003-2007 | | Print Section 2 | | Section 3: Employee Coverage, Eligibility, and Participation | | 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, 1999-2007 | | Exhibit 3.2: | Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2007 | | Exhibit 3.3: | Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2007 | | Exhibit 3.4: | Among Workers in Firms Offering Health Benefits, Percentage of Workers That Take Up Health Benefits Offered by Their Firm, by Firm Characteristics, 2007 | | Exhibit 3.5: | Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2007 | | Exhibit 3.6: | Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2007 | | 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, 2007 | | Exhibit 3.8: | Distribution of Covered Workers with the Following Waiting Periods, 2007 | | Print Section 3 | | | | Section 4: Types of Plans Offered | | Exhibit 4.1: | Among Firms Offering Health Benefits, Percentage That Offer One, Two, or Three or More Plan Types, by Firm Size, 2007 | | Exhibit 4.2: | Among Firms Offering Health Benefits, Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2007 | | Exhibit 4.3: | Among Firms Offering Health Benefits, Percentage That Offer the Following Plan Types, by Firm Size, 2007 | | Exhibit 4.4: | Among Firms Offering Health Benefits, Percentage of Covered Workers in Firms Offering the Following Plan Types, by Firm Size, 2007 | | Print Section 4 | | Section 5: Market Shares of Health Plans | | Exhibit 5.1: | Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2007 | | Exhibit 5.2: | Health Plan Enrollment, by Firm Size, Region, and Industry, 2007 | | Print Section 5 | | Section 6: Worker and Employer Contributions for Premiums | | Exhibit 6.1: | Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2007 | | Exhibit 6.2: | Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2007 | | Exhibit 6.3: | Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2007 | | Exhibit 6.4: | Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 6.5: | Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Family Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 6.6: | Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 6.7: | Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2007 | | Exhibit 6.8: | Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2007 | | Exhibit 6.9: | Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2001-2007 | | Exhibit 6.10: | Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2001-2007 | | Exhibit 6.11: | Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2001-2007 | | Exhibit 6.12: | Average Percentage of Premiums Paid by Covered Workers for Single Coverage, by Firm Characteristics, 2007 | | Exhibit 6.13: | Average Percentage of Premiums Paid by Covered Workers for Family Coverage, by Firm Characteristics, 2007 | | Exhibit 6.14: | Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 6.15: | Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2007 | | Exhibit 6.16: | Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2007 | | Exhibit 6.17: | Average Percentage of Premium Paid by Covered Workers, by Plan Type and Industry, 2007 | | Exhibit 6.18: | Percentage of Covered Workers in Firms That Vary Worker Premium Contributions by Wage or Participation in Wellness Program, by Firm Size and Region, 2007 | | Print Section 6 | | Section 7: Employee Cost Sharing | | 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, 2007 | | Exhibit 7.2: | 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, 2007 | | Exhibit 7.3: | Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2007 | | Exhibit 7.4: | Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Region, 2007 | | Exhibit 7.5: | Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2007 | | Exhibit 7.6: | Among Covered Workers With a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2000-2007 | | Exhibit 7.7: | Among Covered Workers With a General Annual Health Plan Deductible for Single POS Coverage, Distribution of Deductibles, 2000-2007 | | Exhibit 7.8: | Distribution of Type of Deductible for Family Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 7.9: | Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2007 | | Exhibit 7.10: | Among Covered Workers with a General Annual Health Plan Deductible for Family Coverage, Average Aggregate Deductible, by Plan Type, 2006-2007 | | Exhibit 7.11: | Among Covered Workers With a General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles for PPO and POS Plans, by Deductible Type, 2007 | | Exhibit 7.12: | Among Covered Workers With a Separate per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Maximum Number of Family Members Required to Meet the Deductible for PPO and POS Plans, 2007 | | Exhibit 7.13: | 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, 2007 | | Exhibit 7.14: | Percentage of Covered Workers with a Separate Hospital Deductible and Average Separate Hospital Deductibles, by Plan Type, 2007 | | Exhibit 7.15: | Distribution of Covered Workers With the Following Types of Cost Sharing in Addition to Any Plan Deductible, by Plan Type, 2007 | | Exhibit 7.16: | Among Covered Workers With Separate Cost Sharing for Each Hospital Admission or Each Outpatient Surgery in Addition to Any Plan Deductible, Average Cost Sharing, by Plan Type, 2007 | | Exhibit 7.17: | In Addition to Any Plan Deductible, Percentage of Covered Workers with Emergency Room Cost Sharing, by Plan Type, 2007 | | Exhibit 7.18: | In Addition to Any Plan Deductible, Percentage of Covered Workers With the Following Types of Cost Sharing for Physician Office Visits, by Plan Type, 2007 | | Exhibit 7.19: | Among Workers with Copayments for In-Network or Out-of-Network Office Visits, Average Copayments, by Plan Type, 2007 | | Exhibit 7.20: | Among Workers with Coinsurance for In-Network or Out-of-Network Office Visits, Average Coinsurance, by Plan Type, 2007 | | Exhibit 7.21: | Among Covered Workers With Copayments for A Physician Office Visit with a Primary Care Physician, Distribution of Copayments, by Plan Type, 2004-2007 | | Exhibit 7.22: | Among Covered Workers With Copayments for A Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, by Plan Type, 2006-2007 | | Exhibit 7.23: | Among Covered Workers in HMOs With a Copayment for a Physician Office Visit, Percentage with Various Copayments, 1999-2007 | | Exhibit 7.24: | Among Covered Workers With Coinsurance for Physician Office Visits, Distribution of Average Coinsurance Rates, by Plan Type, 2007 | | Exhibit 7.25: | Percentage of Covered Workers With “No Limit” for Annual Out-of-Pocket Maximum for Single and Family Coverage, by Plan Type, 2007 | | Exhibit 7.26: | Among Covered Workers with an Annual Out-of Pocket-Maximum, Percentage Whose Spending for Various Services Does Not Count Towards the Out-of-Pocket Limit, 2007 | | Exhibit 7.27: | Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2007 | | Exhibit 7.28: | Distribution of Type of Out-of-Pocket Maximum for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 7.29: | Among Covered Workers with an Aggregate Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2007 | | Exhibit 7.30: | Among Covered Workers with a Separate per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2007 | | Exhibit 7.31: | Among Covered Workers with a Separate per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Maximum Number of Family Members Required to Meet the Maximum, by Plan Type, 2007 | | Print Section 7 | | Section 8: High-Deductible Health Plans with Savings Option | | Exhibit 8.1: | Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2007 | | Exhibit 8.2: | Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2007 | | Exhibit 8.3: | Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2006-2007 | | Exhibit 8.4: | HDHP/HRA and HSA-Qualified HDHP Features, 2007 | | Exhibit 8.5: | Average Annual Premiums and Contributions to Spending Accounts For Covered Workers, HDHP/HRAs, HSA-Qualified HDHPs and All Other Non-HDHP/SO Plans, 2007 | | Exhibit 8.6: | Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2007 | | Exhibit 8.7: | Among Covered Workers, Distribution of Type of General Annual Deductible for Family Coverage, HDHP/HRAs and HSA-Qualified HDHPs, 2007 | | Exhibit 8.8: | Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2007 | | Exhibit 8.9: | Percentage of Covered Workers with Benefits Paid for by the Plan Without Having to First Meet the Deductible, HDHP/HRAs and HSA-Qualified HDHPs, by Benefit Type, 2007 | | Exhibit 8.10: | Percentage of Covered Workers in Partially or Completely Self-Funded HDHP/HRAs and HSA-Qualified HDHPs, 2007 | | Exhibit 8.11: | Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Single Coverage, 2007 | | Exhibit 8.12: | Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Family Coverage, 2007 | | Exhibit 8.13: | Distribution of Covered Workers in HDHP/HRAs and HSA-Qualified HDHPs With the Following Types of Cost Sharing in Addition to General Annual Deductible, 2007 | | Exhibit 8.14: | Among Firms Not Currently Offering an HDHP/HRA, Percentage That Say They Are “Very Likely” or “Somewhat Likely” to Offer an HDHP/HRA in the Next Year, 2005–2007 | | Exhibit 8.15: | Among Firms Not Currently Offering an HSA-Qualified HDHP, Percentage That Say They Are “Very Likely” or “Somewhat Likely” to Offer an HSA-Qualified HDHP in the Next Year, 2005–2007 | | Print Section 8 | | Section 9: Prescription Drug Benefits | | Exhibit 9.1: | Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2007 | | Exhibit 9.2: | Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2007 | | Exhibit 9.3: | Among Workers with Three or Four-Tier Cost Sharing, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2007 | | Exhibit 9.4: | Among Covered Workers with Three or Four-Tier Prescription Drug Cost Sharing, Average Copayments, 2000-2007 | | Exhibit 9.5: | Among Covered Workers with Three or Four-Tier Prescription Drug Cost Sharing, Average Coinsurance, 2000-2007 | | Exhibit 9.6: | Among Those with Two-Tier Cost Sharing for Prescription Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2007 | | Exhibit 9.7: | Among Covered Workers with Two-Tier Prescription Drug Cost Sharing, Average Copayments, 2000-2007 | | Exhibit 9.8: | Among Covered Workers with Two-Tier Prescription Drug Cost Sharing, Average Coinsurance, 2000-2007 | | Exhibit 9.9: | Among Workers with 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, 2007 | | Exhibit 9.10: | Among Covered Workers with Same Cost Sharing Regardless of Type of Drug, Average Copayments, 2000-2007 | | Exhibit 9.11: | Among Covered Workers with Same Cost Sharing Regardless of Type of Drug, Average Coinsurance, 2000-2007 | | Exhibit 9.12: | Percentage of Covered Workers with Drug Coverage Who Face a Separate Drug Deductible, by Plan Type, 2005-2007 | | Exhibit 9.13: | Percentage of Covered Workers with Drug Coverage with a Separate Annual Out-of-Pocket Limit that Applies to Prescription Drugs, by Plan Type, 2007 | | Print Section 9 | | Section 10: Plan Funding | | Exhibit 10.1: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2007 | | Exhibit 10.2: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1999-2007 | | Exhibit 10.3: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, Region, and Industry, 2007 | | Exhibit 10.4: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type and Firm Size, 2007 | | Exhibit 10.5: | Percentage of Covered Workers in Partially or Completely Self-Funded Conventional Plans, by Firm Size, 1999-2007 | | Exhibit 10.6: | Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1999-2007 | | Exhibit 10.7: | Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1999-2007 | | Exhibit 10.8: | Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1999-2007 | | Exhibit 10.9: | Percentage of Covered Workers in Partially or Completely Self-Funded HDHP/SOs, by Firm Size, 2006-2007 | | Print Section 10 | | Section 11: Retiree Health Benefits | | Exhibit 11.1: | Among Firms Offering Health Benefits to Active Workers, Percentage of All Large Firms (200 or More Workers) Offering Retiree Health Benefits, 1988-2007 | | Exhibit 11.2: | Among Firms that Offer Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2007 | | Exhibit 11.3: | Among Firms that Offer Health Benefits to Active Workers, Percentage of All Large Firms (200 or More Workers) Offering Retiree Health Benefits, by Firm Characteristics, 2007 | | Exhibit 11.4: | Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage Offering Health Benefits to Early and Medicare-Age Retirees, 1999–2007 | | Exhibit 11.5: | Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage Offering Retiree Benefits to Early and Medicare-Age Retirees, by Firm Size, Region, and Industry, 2007 | | Print Section 11 | | Section 12: Employer Opinions and Practices | | Exhibit 12.1: | Among All Firms Both Offering and Not Offering Health Benefits, Distribution of Firms’ Opinions on the Effectiveness of the Following Strategies to Contain Health Insurance Costs, 2007 | | Exhibit 12.2: | Among Firms Offering Health Benefits, Distribution of Firms Reporting the Likelihood of Making the Following Changes in the Next Year, by Firm Size, 2007 | | Exhibit 12.3: | Among All Firms Both Offering and Not Offering Health Benefits, Distribution of Firms Reporting the Contribution of the Following Factors to Increases in Health Insurance Premiums, by Firm Size, 2007 | | Exhibit 12.4: | Percentage of Firms with the Following Utilization Management Provisions in their Largest Health Plan, By Size, Region, and Industry, 2007 | | Exhibit 12.5: | Among Firms Offering Health Benefits, Percentage of Firms With Specific Plan Offerings and Features, By Firm Size, 2007 | | Exhibit 12.6: | Percentage of Firms That Shopped For A New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2007 | | Exhibit 12.7: | Among Firms That Shopped for a New Plan or Insurance Carrier, Percentage Reporting That They Changed Insurance Carrier and/or Health Plan Type in the Past Year, by Firm Size, 2007 | | Exhibit 12.8: | Among Firms Offering Health Benefits, Percentage of Firms Offering Flexible Spending Accounts and Pre-Tax Premium Payments, By Firm Size, 2007 | | Exhibit 12.9: | Distribution of Covered Workers by a One-Year Change in Level of Health Benefits, Other Than Cost Sharing, 2007 | | Exhibit 12.10: | Distribution of Covered Workers by Maximum Lifetime Benefit Payable to an Employee with Single Coverage, by Plan Type and Firm Size, 2007 | | Exhibit 12.11: | Distribution of Covered Workers by Maximum Lifetime Benefit Payable to an Employee with Single Coverage, by Plan Type, 2004-2007 | | Print Section 12 | |
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