Co-pays, Deductibles, and Coinsurance Percentages for Employer-Sponsored Health Insurance in the Non-Federal Workforce, by Industry Classification, 2004. Statistical Brief No. 145

摘要

Employer-sponsored health insurance for current workers is one of the primary sources of health insurance coverage in the United States. According to data from the Insurance Component of the 2004 Medical Expenditure Panel Survey Insurance Component (MEPS-IC), approximately 115.8 million of the 130.8 million employees from the combined workforce of the non-Federal and all state and local governments (non-Federal) worked where the employer offered health insurance. Of those employees who worked where health insurance was offered, approximately 73.3 million were enrolled. In recent years, premiums for employer-sponsored health insurance have risen dramatically. However, premium costs are only a portion of the costs of health insurance. Other factors, such as whether an employee has a deductible, the size of deductibles, and the size of co-pays, also contribute to differences in cost of care. This Statistical Brief examines what percentage of enrollees paid a deductible and the size of deductibles, what percentage paid co-pays and the size of co-pays, and the average coinsurance percentage paid. These values are compared for employers by industry classification. Only those estimates that had a statistically significant difference from the national average at the 5 percent significance level are noted in the text.