Co-pays, Deductibles, and Coinsurance for Employer-Sponsored Health Insurance in the State and Local Government Workforce, by Census Division, 2005. Statistical Brief No. 185

摘要

Employer-sponsored health insurance is the primary source of health insurance coverage in the United States for active em-ployees. It is especially important to the 19.05 million state and local government employees. According to data from the Insurance Component of the 2005 Medical Expenditure Panel Survey (MEPS-IC), 99.9% of state and local government employees work where health insurance is offered and 66.8 percent of these employees are enrolled in employer-sponsored health insurance. Both these figures are significantly higher than the same values for private sector employees. This Statistical Brief examines the levels of these deductibles, co-pays, and coinsurance for state and local government employees and how they vary by census division. Among the items examined are the percentage of enrollees who paid a deductible and the size of deductibles, what percentage of enrollees paid co-pays and the size of co-pays, and the average coinsurance percentage paid by enrollees. Only estimates that had a statistically significant difference from the national average at the 0.05 percent significance level are noted in the text.