2012 Employer Health Benefits Survey
Section 5: Market Shares of Health Plans
Enrollment remains highest in PPOs, with more than half of covered workers, followed by HDHP/SOs, HMOs, POS plans, and conventional plans. PPOs remain more popular for covered workers in large firms and HDHP/SO and POS plans are relatively more popular in smaller firms.
- Fifty-six percent of covered workers are enrolled in PPOs, followed by HDHP/SOs (19%), HMOs (16%), POS plans (9%), and conventional plans (<1%) (Exhibit 5.1).
- After two years of significant increases in the percentage of covered workers enrolled in HDHP/SO plans (8% in 2009, 13% in 2010, and 17% in 2011), there was a similar level of enrollment in 2012 (19%) compared to last year (Exhibit 5.1).
- Plan enrollment patterns vary by firm size. Workers in large firms (200 or more workers) are more likely than workers in small firms (3-199 workers) to enroll in PPOs (63% vs. 43%). Workers in small firms are more likely than workers in large firms to enroll in POS plans (18% vs. 4%) and HDHP/SO plans (24% vs. 17%) (Exhibit 5.3).
- Plan enrollment patterns also differ across regions.
- HMO enrollment is significantly higher in the West (27%) and significantly lower in the South (12%) and Midwest (8%) (Exhibit 5.3).
- Workers in the South (62%) are more likely to be enrolled in PPO plans than workers in other regions; workers in the West (48%) are less likely to be enrolled in a PPO (Exhibit 5.3).
- Enrollment in HDHP/SOs is higher among workers in the Midwest (29%) than in other regions (Exhibit 5.3).
Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2012
Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2012
- Section 1: Cost of Health Insurance
- Section 2: Health Benefit Offer Rates
- Section 3: Employee Coverage, Eligibility, and Participation
- Section 4: Types of Plans Offered
- Section 5: Market Shares of Health Plans
- Section 6: Worker and Employer Contributions for Premiums
- Section 7: Employee Cost Sharing
- Section 8: High-Deductible Health Plans with Savings Option
- Section 9: Prescription Drug Benefits
- Section 10: Plan Funding
- Section 11: Retiree Health Benefits
- Section 12: Wellness Programs and Health Risk Assessments
- Section 13: Health Reform
- Section 14: Employer Opinions and Health Plan Practices