ing and underwriting
rules, differences in health care costs, demographics, and consumer benefit
preferences. Premiums were significantly higher in states with restrictions
on premium variation and underwriting, often known as "guaranteed issue"
and "community rating." However, approximately 95 percent of the policies
surveyed were sold in states where the average annual premium was under
$3,400 for single coverage or $7,200 for family coverage.
Consumers in the individual market were offered a wide range of
benefits, including mental or behavioral health, prescription drugs,
preventive, and maternity benefits. Some level of behavioral health
coverage was included in nine out of ten policies purchased. Coverage for
complementary and alternative therapy was also quite popular, while vision
and dental coverage were chosen much less frequently.
The most commonly purchased coverage option was preferred provider
organization (PPO) / point-of-service (POS) coverage, representing 78
percent of single policies and 66 percent of family policies in force.
Health savings accounts (HSAs) continue to be a popular coverage option
among consumers in the individual market. Ten percent of single policies
and 23 percent of family policies chosen provided coverage in conjunction
with an HSA. Notably, the average out-of-pocket maximum paid by consumers
with an HSA policy often is not much higher than the average plan
deductible, meaning many HSA plans consider the deductible to be the
primary form of cost-sharing.
Most of the policies chosen had annual out-of-pocket limits under
$5,000, and the average lifetime maximum benefit (among plans with a
maximum) was nearly $4 million.
Click here to view the entire survey:
AHIP is the national trade association
Page: 1 2 3 Related medicine news :1
|SOURCE America's Health Insurance Plans|
Copyright©2007 PR Newswire.
All rights reserved
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