non-preferred drugs. Co-payments for fourth-tier drugs, which
may include costly biological agents and lifestyle drugs,
-- Domestic partner benefits. Nearly half (47 percent) of all
firms that offer health benefits make them available to
unmarried opposite-sex domestic partners, and nearly 37
percent offer such benefits to same-sex partners.
Interestingly, large firms (with at least 200 workers) were
less likely than small firms to offer domestic partner
benefits to unmarried opposite-sex partners at 28 percent.
-- Market share of health plans. Preferred Provider Organizations
continue to dominate the employer market, enrolling 57 percent
of covered workers. Health Maintenance Organizations cover
another 21 percent of workers, with 13 percent in
Point-of-Service plans, 5 percent in consumer-driven plans,
and 3 percent in conventional indemnity plans.
-- Other pre-tax benefits. Overall, 61 percent of firms that
offer health benefits allow workers to use pre-tax dollars to
pay for their share of their health premium costs. Fewer firms
(22 percent) offer a Flexible Spending Account, in which workers
can set aside pre-tax money to cover out-of-pocket health care
spending. In both cases, large firms (200 or more workers)
are far more likely to offer these benefits than smaller firms.
-- Future outlook. Many employers indicate that they expect to
make significant changes to their health plans and benefits
in 2008. Overall, 21 percent of firms say they are "very
likely" to raise workers' premium contribution next year. Some
firms also say they are "very likely" to increase office visit
cost-sharing (13 percent), increase deductibles (12 percent) and
increase prescription drug cost
|SOURCE Kaiser Family Foundation; HRET|
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