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Health Care and the 2004 Elections: Health Care Costs

Health Care CostsDownload a printable .pdf of Heath Care and the 2004 Elections: Health Care Costs.IssueBackgroundSources of Cost IncreasesCost Control StrategiesImpact of the ElectionAssessing Candidate PositionsIssueHealth cost increases threaten to make health insurance less affordable for all Americans, and make it harder to extend coverage to the 45 million Americans…

Section 12: Employer Opinions and Health Management Programs

Exhibit 12.1Exhibit 12.6Exhibit 12.2Exhibit 12.7Exhibit 12.3Exhibit 12.8Exhibit 12.4Exhibit 12.9Exhibit 12.5 12 Kaiser Family Foundation, Kaiser Commission on Medicaid and the Uninsured. Health Insurance Coverage in America, 2002 Data Update, December 2003.13 These answers are not exclusive: 11% of firms that shopped switched both carrier and type of health plan offered. 

Section 11: Retiree Health Benefits

Exhibit 11.1Exhibit 11.4Exhibit 11.2Exhibit 11.5Exhibit 11.3 11 Twenty-eight percent of Medicare beneficiaries receive prescription drug coverage from an employer, a far higher number than receive coverage through a Medicare HMO (15%), Medigap (7%) or Medicaid (10%). Laschober et. al., Health Affairs, February 2002.

Section 10: Plan Funding

Exhibit 10.1Exhibit 10.5Exhibit 10.2Exhibit 10.6Exhibit 10.3Exhibit 10.7Exhibit 10.4 10 A self-funded plan is one in which the employer assumes direct responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan.

Section 9: Prescription Drugs and Mental Health Benefits

Exhibit 9.1Exhibit 9.5Exhibit 9.2Exhibit 9.6Exhibit 9.3Exhibit 9.7Exhibit 9.4Exhibit 9.89 There are fewer observations for estimating the average copayment for four-tier drugs compared to other drug types.

Section 6: Employee Contributions for Premiums

Exhibit 6.1Exhibit 6.9Exhibit 6.2Exhibit 6.10Exhibit 6.3Exhibit 6.11Exhibit 6.4Exhibit 6.12Exhibit 6.5Exhibit 6.13Exhibit 6.6Exhibit 6.14Exhibit 6.7Exhibit 6.15Exhibit 6.8 

Section 5: Market Shares of Health Plans

The distribution of enrollment among types of health plans has remained fairly constant over the past several years. The majority of covered workers are enrolled in PPO plans (55%), followed by HMO plans (25%) (Exhibit 5.1). Although annual changes in plan enrollment have been moderate, enrollment in PPO plans has…

Section 4: Health Insurance Choice

Exhibit 4.1Exhibit 4.6Exhibit 4.2Exhibit 4.7Exhibit 4.3Exhibit 4.8Exhibit 4.4Exhibit 4.9Exhibit 4.5Exhibit 4.105Survey respondents were asked whether the firm offers a personal or health savings account, including a Health Reimbursement Arrangement (HRA) or other type of health savings account option.6There are several savings account options permitted under the law, including health reimbursement…

The Henry J. Kaiser Family Foundation Headquarters: 2400 Sand Hill Road, Menlo Park, CA 94025 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270 | Email Alerts: | |

Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California.