According to KFF/HRET, more than half of covered workers opt for PPO arrangements
PPO health plans remain the top choice among workers, according to the 2013 Kaiser Family Foundation/Health Research and Educational Trust (KFF/HRET) annual survey. In fact, PPOs cover more than half of all workers who report receiving health benefits.
Fifty-seven percent of covered workers are enrolled in PPOs, followed by high-deductible health plans (20%), HMOs (14%), POS plans (9%), and conventional plans (<1%).
Historically, HMOs peaked in 1996 with 31% of covered workers enrolled, but the trend shows a continuous decline. In 2013, only 14% of workers were covered by HMO plans.
According to KFF/HRET, enrollment in high-deductible health plans-which emerged in 2006 on the survey-has leveled off after several years of increases. Workers in the Midwest are more likely to be enrolled in such plans. Average premiums for high-deductible health plans with a savings option are lower than the overall average for all plan types for both single and family coverage, at $5,306 and $15,227, respectively.
The savings option-often a tax-advantaged Health Savings Account-is used to pay qualified medical expenses. For 2013, federal law allows account contributions up to $3,250 for a single person and $6,450 for a family, however, rules also allow those over the age of 55 to contribute more.
We conducted our annual State of the Industry survey in the early part of November 2023. The survey had 432 respondents, of whom 56% self-reported working for a payer organization (pharmacy benefit manager, insurer or self-insured employer), 34% for a provider organization and the remainder for government or an unspecified “other” category.
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