tailieunhanh - Small Group Health Insurance in 2008: A Comprehensive Survey of Premiums, Product Choices, and Benefits

Despite the large social benefits from PAYD, there are currently several barriers to its widespread adoption, including the cost to monitor miles traveled and some state insur- ance regulations. In order to facilitate the spread of PAYD, we propose a three-part strat- egy. First, states should pass legislation permitting mileage-based insurance premiums. Second, the federal government should increase the funding available to PAYD pilot pro- grams by $15 million over five years. Finally, since the monitoring costs may exceed the expected benefit of PAYD to insurance firms but are much smaller than the social benefit, the federal government should offer a $100 tax. | AH P Center for Policy and Research March 2009 Small Group Health Insurance in 2008 A Comprehensive Survey of Premiums Product Choices and Benefits CONTENTS I. Introduction The Small Group Market in II. Premiums in the Small Group Table 1. Small Group Premiums Table 2. Premiums by Number of Covered Employees in Small Group Plans Table 3. Small Group Premiums vs. Premiums for Larger Groups Table 4. Average Annual Deductible for PPO Plans Single Coverage Table 5. Premiums by State All Small Groups 2008 .9 Table 6. Premiums by State Groups with 26 to 50 Employees Table 7 Premiums by State Groups with 11 to 25 Employees 2008 .11 Table 8. Premiums by State Groups with 10 or Fewer Employees 2008 .12 Table 9. Premium Variation by Small Group Size Single Monthly Premiums III. Products Purchased by Small Table 10. Product Type by Number of Covered Employees Small Group Market Table 11. Probability of a Choice of Plans or Benefit Package Small Group Market 2008 .15 Table 12. Choices Available to Employees with HSA HDHP Plans Small Group Market Table 13. Other Plans Available to HSA HDHP Enrollees with a Choice of Plans Small Group Market Table 14. Percentage of Small Group Employees with a Choice of HSA HDHP Plan or Other Plans that Choose HSA HDHP Coverage 2008 .15 Table 15. Comparison of Average Annual Out-of-Pocket Limits HSA Plans vs. PPO Plans Small Group Market IV. Detailed Benefit Table 16. Benefit Characteristics by Product Small Group Market 2008 .17 Table 17 Distribution of Policies by Deductible Level Small Group Market Table 18. Coinsurance Levels Small Group Market Table 19. Primary Care Office Visit Copayments Small Group Market 2008 .19 Table 20. Specialist Office Visit Copayments Small Group Market Table 21. Annual Out-of-Pocket Limits Small Group Market Table 22. Lifetime Maximum Benefits Small .