title: Health benefits in 2005: premium increases slow down, coverage continues to erode.
abstract: This paper reports findings on the state of job-based health insurance in spring 2005 and how it has changed during recent years. Premiums rose 9.2 percent, the first year of single-digit increases since 2000. The percentage of firms offering health benefits has fallen from 69 percent in 2000 to 60 percent in 2005. Cost sharing did not grow appreciably in the past year. Enrollment in preferred provider organizations (PPOs) grew from 55 percent in 2004 to 61 percent in 2005, while enrollment in health maintenance organizations (HMOs) fell from 25 percent to 21 percent of the total.
authors.affiliation: Center for Studying Health System Change, Washington, D.C, USA. jgabel@hschange.org
authors.forename: Jon
authors.initials: J
authors.lastname: Gabel
authors.forename: Gary
authors.initials: G
authors.lastname: Claxton
authors.forename: Isadora
authors.initials: I
authors.lastname: Gil
authors.forename: Jeremy
authors.initials: J
authors.lastname: Pickreign
authors.forename: Heidi
authors.initials: H
authors.lastname: Whitmore
authors.forename: Benjamin
authors.initials: B
authors.lastname: Finder
authors.forename: Samantha
authors.initials: S
authors.lastname: Hawkins
authors.forename: Diane
authors.initials: D
authors.lastname: Rowland
mesh_terms: D017047:Cost Sharing / Q000639:trends; D003365:Costs and Cost Analysis; D005190:Family; D006264:Health Benefit Plans, Employee / Q000191:economics* / Q000639:trends; D007182:Income; D019458:Insurance Coverage / Q000639:trends*; D014481:United States