Insurance Coverage & Costs
Costs
The Uninsured
Private Coverage
Employer Sponsored
Individual
Public Coverage
Medicare
Medicaid and SCHIP
Access to Care
Quality & Care Delivery
Health Care Markets
Issue Briefs
Data Bulletins
Research Briefs
Policy Analyses
Community Reports
Journal Articles
Other Publications
Surveys
Site Visits
Design and Methods
Data Files
Generosity and Adjusted Premiums in Job-Based Insurance: Hawaii is Up, Wyoming is Down
May/June 2006
Health Affairs, Vol. 25, No. 3
Jon R. Gabel, Roland McDevitt, Laura Gandolfo, Jeremy D. Pickreign, Samantha Hawkins, Cheryl Fahlman
This paper reports national and state findings on the generosity or actuarial value of U.S. employer-based plans and adjusted premiums in 2002. The basis for our calculations is simulated bill paying for a large standardized population. After adjusting for the quality of benefits, we find from regression analysis that adjusted premiums are 18 percent higher in the nation’s smallest firms than in firms with 1,000 or more workers. They are 25 percent higher in indemnity plans and 18 percent higher in preferred provider organizations than in health maintenance organizations. The generosity of coverage increased from 1997 to 2002.
For a full copy of this article please visit the Health Affairs Web site. (Free access.)
