Fig Fig Fig Fig Fig Fig Figure ure ure ure ure ure ure 31 6 29 3 13 36 28 Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Fi Figu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gu gure re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re re 59 21 23 2 65 68 47 9 18 62 16 33 52 19 37 32 69 58 45 40 48 30 22 24 17 4 5 55 38 25 42 12 50 54 46 10 67 57 8 60 15 43 44 39 53 35 49 66 20 61 14 64 26 1 41 27 34 7 51 63 56 11 Dedu O A Pr Dedu Cop Amo mo ut imary -ay of ng ng ctib ctib - men Pocket Enrollees Enrollees Care les les ts A A A Phy re re (O re Increasing Trend OP) High sician W With ith M est ing aximums Emplo Fam O fo ff Up; ice ily r Fast Emergency y Increasing Cov ee Visit er A -O re erage, A nl Cop mo Increasing y Cov ng ay Departm O 52 P men HMO/EPO ut erage, -of erce ts, -at Pocket ent by O nt an A ut Ty fo and Visits -of r v pe Maximums - 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- Cop Cop Cop A ust ust Eligib Eligib n Var Ind Ind ion er A der, A atien er, ctib of sician sician Ticked re -by by by by by by by by by of A A ry ts ts ts Eligi Statu re mo Cop Cop of ctib ry ry – mon mon ctib ctib ay ay ay iv iv y Health s , , , Lo , ent A Emplo G A Ty Care Ind A Class Unio Ty G les Trend , , Men by by by A by by by by by by 2013 idu idu ng by W Var mo t le le men men men ge, ge, A A end Visit end w mo ble les ay ay pe A pe les les s, orker, mon mon g g Departm O O ust Visits A G Ty er Visit Departm Unio Ty G A Ind Class Health Health Th up Ind a a dm Ind ng y men men n ff ff Departm ge, Departm ge, Ind Ind ls ls ng end A and A end A – er, Phy er, of ts ts ts Th of Health pe pe A ing by Plan, ice ice Th Th y an of r 2018 mo mo Statu Cop mo ust Slight ust issio iv y ee, Ind g g , , , mo W W Health an Health iv iv n Ind , A Cop A A by by by A an an ier, ts, ts, Emplo er, of of Ind sician 2013 Non Ind Ind du Var ith ith W A Visits Visits n n of up ng ry idu idu mo mo mo Statu ry mo iv ng Plans Plans ay A g mo g Hou om iv Health ent Health Ty G A A Ev Ev , n s, by by als A ent A idu ust mo Emplo ; iv iv ay a a Plans ly y Ind Ind a a men Ind A ng ige, mo ng ng n end un ent mo ent mo A du Cop Unio – pe ng ls ls idu idu A er er Dedu Dedu mo en by g men A G Plan, 2018 v Since 2013 Plan, rly y a s, ry Cop ng W mo O Visit Var A ion iv iv iv erage als ng y y Ind ee, Ind ge, Ind ls Ind end ng W W ng and and A er, Visits of Visit ts a a ff re Ind on on ith Ind Cho n A id id ay i mo W n du ls ls Plan, ith ith Plan, Ind ice y n From g W mo ts y ay iv Ind iv iv ctib ctib uals iv uals W Health Ind Th ee, W Ind A e e A g A men A er, M orkers iv A a Coin ust A Ind Cop ith W W als by HRA HRA idu idu idu id mo ng bo mo orkers mo ose Th men Family Employ Else Else iv ith Ind embers mo imo Cop n Visits an Still iv du ith ith iv iv uals le le A A idu g ry ut iv Ind a A an A a idu a a ts W W ng W Ind idu HMO/EPO n idu ng mo ay mo a Coin iv ng als ng Non ls Ind ls ls mo s, s, and and id mo Coin Similar g ts Employ Family ay ith ith ith th a Plan, id Th Now surance, ust men Hou a uals Ind iv als ls W a Ind W W and and ng Ind ng W Ind Cop Th Ind e men iv ls ng uals ng W Cov ls ee idu an un a Cop a Coin a Coin ith ith ith Emplo Fam ith W ry idu Same surance, iv ith iv W an iv Ind Ind rly W surance, here W ts iv - iv Ind ion Ind ith Lo Lo O A W Hou ay idu a id i erage, ts a ith a a a Coin idu Cov ith idu ith du a Dedu ee W ls mo nl Th a Coin Non ily iv ith iv W uals ls Cop men w w Cop Coin iv and iv a Th ay ith a W y - als surance, idu idu surance, W a 2013 y Near S als orkers a Cop est est fo a rly an a O iidu ls ng W Coin erage, Cov du ee a Coin Cov ls men orkers Coin an ith un nl Coin r ctib a Coin ay ay ith ts als a W W PP surance, W surance, Non 2013 2013 W - als Sala W a fo fo W y Ind ls surance, O 2013 ion – Hou men erage, ls men ith a ith erage, ith Th orkers surance, Cov ith t, r r ith 2018 a nl O ay les surance, W W surance, tat Cop iv W HMO/EPOs HMO/EPOs W un /POS surance, Coin 2013 2013 y an ried – – a W men a Cop a Cop ith ith id rly surance, a Cop a 2013 – 2013 t, ith t, 2018 2018 ith ut erage, Cov Coin ion orkers 2018 uals Coin ay Non 2013 2013 ory a Coin 2013 a W 2013 surance, a Cop – and – a 2013 2013 t men , 2013 Cop erage, 2018 2018 W – – orkers ay Coin ay 2013 surance, ay 2013 2018 2018 un Maximum surance, W 2013 orkers – – 2013 – 2013 men men Hou – 2013 2018 men 2018 – – ith t, ay 2018 ion 2018 surance, 2013 – ay 2018 2018 surance, – 2018 2013 – men – 2013 2018 men a Cop 2018 – t rly t – t W 2018 , , 2013 – 2018 , 2018 2013 2018 – 2013 2013 orkers 2013 W 2018 t, – 2013 t – 2018 , orkers 2013 2018 – ay 2013 2013 – 2018 – – 2013 – 2018 2018 men 2018 – 2018 2018 – – 2018 –2018 – t2018 , 2018 2013 –2018 Plan Since Health 2013 Enrollees fo Wr ith HMO/EPO – Enrollees Emplo 2018 2013 Care yee Enrollees -Only Coverage Are Seeing Declines in OOP Maximums $6 $4 $1 $1 $ $ 25 25 ,00 25 29 23 ,50 60 60 % % 0 % 0 $3 $40 5 $6 $6 25 25 25 ,00 ,00 % % % $7 00 ,000 $2 $6 $4 3025 30 ,00 ,00 ,00 %% % 0 0 0 Comprehensive HM No Ma O No Ma Ma Ma S S S n-U /HM Ma Ma Ma E al al al ln-U eP llla a a e e e ni O O lllr r re e e iiini ed ed ed on /E on PO FF F F em F F F em em em Pem em em al P Ho Ho Ho Un al al al O e Un al al al e e e urly urly urly /P ion P e e e ion O PS O/POS HRA Sp D A D Em C IPri D n ed v ed D o eciali ed erag p Ou Ou Em Sp ima ed erg u atien n u Pri Pri u ctib Sp su ctib IEm tt eciali n u ctib erg -r -C en e ma of p ma of ctib y st A r eciali o D an atien A t lerg v C l-- es, cy en p es, lPo A ed Ph Po r erag n r es, are y ay ce, ly st D d n es, cy en D u cke C y mission cke u ed b C b st me t Ph ctib sici ep b al y are Ph are b y cy e A D b y u Ph y T t A d t artmen n A y Percen ep y ctib T y y an M lmission sici D M T ts, g n Ph es, y p A sici Ph y y artmen e, ep n aximu p aximu e sici g p lOu u Office e y b Ou y e, es, an e o A C artmen b al sici an y sici o f mo o y o an A t t tag f t T H - Percen Office p f b -U C of mo Office y H of ms an ealth ay ms H an y n p t Office C n o ealth e - V ealth - g e C Po ip Gen o me Po n o ,Office iC ,t Office ay o p sit o Ig n b b n C h p cke ay f cke V y n Plan y d me Itag Sta an o ay V d H n Plan C ts, iiT me C p sit V T iv er d ealth sit o y t me g y ay iare in t ie tu sit d p ,p v p M V e i b V ,ts, M n C A u e iC ay e me iC ,A y s, id aximu n ts, sit aximu sit als o mo n A h C Serv o mo u o ts, o U me b p A C an mo f o als p Ou n f n y ay C b mo C are H p n ay ts, H W in b y g n o Io o ay g ealth me ealth n n t g iy e i ts, iW p me ms - n ce, Ip ms th n g d of n b IServ ay me U In ay g iu Sta d n y n n th I- d n n b ,a n stry u d Po me ,ts, A Ime C C i b i n ts, y n d b Plan stry iv o Plan D a mo v tu ly o ts, d iiiy ass n Icke v ed ce, id n n b D ,p n id T s, b iv U u ts, Sta d A y d ay ts, n u ,ed y ib y u als , n u ,d u A p mo A g als t C A y ctib o A A me C istry u als e u mo M b mo o tu b mo lf Imo U mo als ass ln ctib y n W y o ass n Em aximu W s, n d n lf g In n W ,Sta U n e iin its, n n ith C o v A g W g A th g n Ild p o g ian g in n e o o th mo mo d iu lf IiI tu a Io d b o n th v n f Ian a Iu n Sta stry Em n d n ms n ierag y y d d Em a D s, als d v d n D n d ee, ia D iEm d iiSta T ed D v v ig d g iv ed tu v 201 p , v y ,ii F p ed iu d d ib W p ilId A Iu d e, s, d A o n ed am p lals n u u tu u y e o u ctib mo u u u y id lmo d ctib als 3 als th o y als A 201 T als ee, s, o u als ctib ii – ee, iv y v y mo W lf ctib 2018 n y iee a ip n A ld H d W W le, g W i3 e e A W g C W mo C u th lu A ealth - n – e ii mo IOn ials lo an 201 als o th o th iIn g mo ith 2018 e, th n th an a C v f id n n d Ierag d H a a l 201 n in g a C su y F iW v d 3 W n Em v ealth g d Em C C o C iam – g IC id iF n iir d p 2018 o th o are v Ith o 3 u an o am n d Ie, 2 p u ay p ip n – p p ials d v d i lals lay a ay v d a C 2018 o ay ly ce, erag u ime o Plan iServ iv i y C l013 d als v C y me me y iee me W d u io W ee o o d n 201 C u als p p iv - e, u t, in n th – W o als n On - iay th ay erag an als ce, On 2018 t, t, v t, 201 i201 3 a W th erag me me a 201 ld – W y lW 2018 i y T th a e, 3 3 in n y th – i – 3 th t, e, t, p a – e a Average A Dn ed nu ual ctib Percen les, btag y Ce lass Ch an of g W e i on rker Ded , A u mo ctib nlg es, Ind biy v iT dy u p als e oW f H ith ealth a D ed Plan uctib anld e, T201 ype 3o –f 2018 Coverage, Non-Union Salaried Unionvs. Hourly Age 49.6 $250 Inpatien Ded t u Actib dmission les, by C To yp pay e o me f C n o ts, verag by C e, lass Amo on f g Em Inp dlio viy d ee, uals Amo With ng a In D d ed iviu dctib uals le, 2 With 013 a –C 2018 opayment, This study was conducted through the EBRI Center for Research on Health Benefits Innovation (EBRI CRHBI). Enrollment by Plan Type, 2013 –2018 24% $$1 $2 25 $ 25 29 25 25 25 25 25 $ 25 12 50 % 60 % 22 % % % % % % 6 C C a o C C o o C C f o o v C C p C o o er p v ay o o p p o er ay p p ag ay ay v 2013 2013 men ay ay ag er 2013 2013 2013 men e, 2013 2013 men men men men ag 2018 2018 e, 2018 2013 t, – – e, t, 2013 – – – 2018 2018 t, t, 2013 – – 2018 2018 2018 t, t, 2013 2013 2018 2018 2013 2013 – 2013 2013 2018 – – 2018 – 2018 – – – 2018 2018 – – 2018 2018 2018 2018 24% 24% $2,500 $225 ,50 $3 $7 % 0 ,50 ,000 0 Among Individuals With a Deductible, 2013 –2018 $1,800 24% $3,500 24% $22 2013 2014 2015 2016 2017 2018 ® 2013 –2018 25% $4,00Not 0 all charts are $3 bas ,500ed on the full sample for two reason Salary s: Not everyone in the sample had 51% • Coinsurance hasn’t increased much on a percentage-point basis. $227 • • • • • • • • De Th In Av Unio OO Copaym Th cr er er du er P ea e a e a age n v max ctibl se $4re re 0 s. n ents s ou imu es li va in mited on t ar -ria ms dedu of hav -e tre un - tio po ha e in io demogra ns i ctibl ck ve nd n cr et copay tren n c in es ea (OO g up. op de se als ph ay P) me d d o up ic for me ma va nts va slig di ry nts b ea xim ffer .ch htly ry ums enc etwe type of he .: Be es ar en sa tw in e ee still dedu n lar alth c 20 substa ied ctibl 13 ar an and es e d 2 nti se .ho ally 01 rv urly 8, ice belo the ex em yw the s am pl increa oye ined, es sed tatuto as by at an av well ry an ma ave as er xim age b rag etwe um. e en Launched U in nder 2026 10, the CRHBI focuses on helping e 16% mployers assess the impact that plan design, with the g$22 oal of T • hiT s he stud $ $1 $1 28 40 40 bigg y mad est cha e use ng of e in da pl ta f anrom t enrol he lme IBM nt w Marke as the tScan movemen Commerci t of enrol al lees from PPO/POS plans to HSA- 23% 2013 2014 2015 2016 2017 2018 6% 5.0% $1,40 $6,00 0$4 0,000 $3,00 $50 ,000 $4 $1 $3 $5 80 50 0 0 2013 2014 2015 2016 2017 2018 $525 ,00 % 0 14% 2020 CRHBI Funders Emerge $6nc ,00 y 0 Department Inpatient Admission No S S No No al al No n-U S n-U n-U a aal r r n-U P iini ed ed a rni ni ir on ma ini ed on on on ry Ca Ho Ho re Un Ho P urly urly Un Un Un ihy on urly iion on is on ician Office Visit Specialist Physician Office Visit 25% 5.4% $6,000 $5,000 $25 $5 $5 ,00 ,00 00 increasing con 5.2% sumer engagemen22% t, has on cost, quality, and access to health care. $120 ,60 % 0 22% Hourly 22% 49% $140 22% each type of cost sharing (i.e. c 5.2% opayments and c Salariedoinsurance Hourly 22% ) and data were sometimes 5% $125 26–34 $216 8% $216 $215 22% $215 $215 $2,500un a a – – – – – – n nn n $ io 20 20 20 22 u Be A Gender In 2 Em T ual % %n % a h lll e tw a ra e e 0 ra nd la nroll rge e 1 te o te e rg 8 no n , 20 20 : e ncy of: the % % T f 2 st e n a h 0 e- b e 1 statuto in s un depa o re 3 : cre u Amo a io t w n 3 a n a d pe se rtm s e n ry 2n m g 0 in rce o en e OOP 1 pl de nt 8 dn oye , isc ro t co co d(Fig ll u e ma e in p e ctib rn e a s su s x y ib u .im me re le w ra leith s 27 u n d n m ce b if ts d e ). fere w e tw for w d ae e u s n re e ctib e ce $ n m 7 lo 2 ,35 e le in w 0 rge s, 1 e d 0 3 r e the ncy for for u d au nre ctib d e 20 depa m n hio le a pl 1 n s be s 8 oy me rtm b oy e ccu e e mb g n e -e on nts a rre n e n d rs ly acro e din $137 r tha c a cre (Fig ov mo ss na e f n u se ra -o g re the r no ge d e 7 n -from ). b , ro n o b Men -ll a u u e rd t n e 1 a io s 8 ctua in an n in p cre e me d rce l a OOP mb se nt e in rs 21% $21 20% Da 70%e tab liga ib se le a hn ed a lth Be p nla efit Plan ns. Th e De pe sig rce n n Da tag tab e o af se en (co rollp ey erig s in ht HS © 2 A 0-2 e0 lig IBM, ible h ae lla lth plans more than do $28 ubled $45 21% 12.6% $3,500 $1 $ $1 $1 $ $1 $3 $1 12 24 80 40 60 40 $ $3 5 60 4 23 5 $6 $3,00 ,000 0 $3$1 $4 ,00 60 00 0 21% $4,500 $33 $35 $3,000 $133 21% Aon 20% $28 $22 $1 $1 $27 20 20 $124 $124 $3 4. 05% 0 mi $3,50 ss 0ing. Data were missing because some be 65% nefit plan provisions may not send a $32 $128 $1,200 $32 $141 $2,000 $1,40 $20 5 Why Become a Partner? 35–44 22% 4.2% • But t – – de w to 20 Sa max HMO/EPO 5 (21 here ome pe du lar pe imu rcen ctibl pe ied n i $2 rcen s li ,00 ap ms rcen t es, vs 0for ttle pe , fo t ave . lo t. reg ar ho em w llva ow rag er to pi ard urly er ria ed in ed gency le tio ck he 20 20% em by ss $3 n in the a 18 of pl PPO/ pl ,37 al ). departm oye th 7. an POS pl e c an ty ve pe op s an ents ra w ay or e 20% ge ith d me comp .mpl comp annu nts: oy reh al ara ee en ra bl de te sive e mog de of c . du rap hang ctibl hic, es. e in sin ce 2 OO 20% P 01 ma 3. xim ums by type o 20% f 20% $139 $2,225 $144 $2,500 ® 20% 20% $216 19% 20% 20% 4.0% 19% $200 19% 12% $40 $21 $420 ,00 % 0 $31 19% $27 $141 $141 $122 $5,076 $21 rights rese betw $5ee ,000n rved 2013 ). T an he d IBM 2018 Marke , in $31 crea tScan sing from Datab $124 4 p ase erce s con nt to 10 tain in pe 21% dircen vidua t l(Figu - re 2). $5,030 $3 $150 40 20 20 $2 20 20 20 20 20 20 % % 00 % % % % % % $4,00 $5 0,000 21% Become a Partner! 20% $121 $134 $2,138 $155 4% Union $138 $22 19% 19% $4 $,0 3,0 00 0s 0ufficiently strong statistical signal to be represented in the • Ongoing Bene and fit Pl focused an Des netw ign 19% orking Databas with EBRI and e. 19% other 21% $23 $160 $23 18% $2,500 $21 20% 59%59% $27 $134 $151 $5,000 $4,812 $4,814 $4,819 45–54 32% $133 $1 $$1 23 40 40 $2 $30 0 $29 $4 $4 ,00 ,00 00 $129 $133 $2,049 hea – – – – – – – lth It Emplo A De Spec 3 p In 20 ge ? in du erce pl crea Eme : 18 an. ctibl iali The y, nt sed ee st v rgenc the re es for -on st w for isit in spe as ly HRAs atu yin cop $al cov departm 1cia tory patient a 1 ,2so n 50 % 0ay li er an st v OO men age o d HS di P isits ent scern :ts dmi max De A w visi .-ere du ss el imu ib ig t ctibl io le cop ib lo m ns di le w es fay w er fere from he as men for emp for un al nce $1 th 17 ts 4,7 pl io in pe w an lo 00 n ere de rcen y s memb ee for du in 15 crea -t ctibl on fam pe to 18 ers lysed es rcen il cove y pe (10 by cov the t rcen pe rag hi ag lea gh er e, w rcen e t. age er st in $21 ith crea in t (Figu , lo bu 20 on wsed t er 18 e re actu ex in in 6). from 20 cep he al T 18 OO al tion he $7 th ) $29 y P 24 (Figu pl — ba an to $1 rel res s y of ,10 180 60 4. % 0% $115 18% $5 $2,00 ,500 0 $115 $115 $115 $121 $114 $121 $115 18% $23 $28 $ $1 $1 $3 12 20 20 $3 0 20 $3,000 $35 $22 $1 $1 $26 00 00 $2,500 $174 57% $174 $174 20% Blue Cross20% Blue $129 20% $2,002 18% $28 18% $112 experts, 18% 20% $28 including those with other Research Center 19% $143 $1,000 17% $247 56% level, de-identified health $3 $1 $2 in 20 00 017% surance enrollment and plan N on de -union sign 75%$31 $ 15 15 15 21 % % % $3 15 15 ,50 % %0 $121 $21 The Center Bec focuses ause on of three missbroad ing data, areas w of e were not abl $27 e to determine 55% the percen $1,934 tage of the 17% $31 population 17% $122 $27 $139 $ $ 227 ,0 $0 21 0 17% 19% 19% 19% 17% 19% 19% 19% $30 19% $250 55–64 15% 37% 17% 19% 19% $121 $121 19% $236 19% 19% $4,363 $236 $2,000 19% 19% partners. 18% 16% • There was a one-time increase in HRA en 18% $233 rollment between 2013 and 2014. Otherwise, enrollment in – – – An in be an 2 p max OO indi crea tw d d it in erce vid P sal imu 21 ee max sed ua ari ). n nt ms crea ls 20 ed imu for for ag ave 13 emp sed prima ms es 5 tho an rag for se lo ave d 5 ed y– 20 ry ee w off 64 $160 rag ith $5 18 s ca ice ap (Figu ed ,07 emp re (Figu v pe le 6 ph isits ar lo ss in (Figu re re y yto cho sic ee 14 3) from 18 - un re ). ian on — $27 27 io ose ly a 5 v n ). isits cove pe pl 2 p loans w rcen .erce rag er -($2 de e, t nt to du an ,23 in 19 cti d the crea 1) bl pe tha e se. rcen ypl in n in an crea t s (non Figu (Figu sed -re un res le 26 io ss t ). 8 n Shie – ha pl 9). ans n ld 5 p T A hi ss ($3 erce s ociat is no ,69 nt f 0) ion t or tho a for se 10% $2,500 $29 18% 18% 18% $30 2.2% $27 $140 $22 $1,500 $117 $2 $1 $315 ,00 ,00 ,00 % 0 0 0 18% $117 17% 18% 17% 18% 18% 17% research: 18% $22 $4,000 16% Union 25% $25 3.5% $4,000 $28 16% 18% $25 $1,500 15% 18% $23 $1 $$1 23 20 20 $112 $2 $100 50$127 16% $22 17% with 17% various types of cos $21 t-sharing arrangements. We were $27 also not able to examine cost informatio $2,50 n 17% 0from 17%$3,00emp 0 loyers and health plans 17% across the United States $22 15% 17% 2% $21 $3 $ $ ,00 $8 $8 20 250 0 0 $4 $2,00 ,000 0 $124 $122 17% $146 $800 $145 $2,000 • Your $123 organization is publicly $123 recognized as a Research $ $1 $1 $ 12 00 0 2 $0 5 2 05 17% 15% $122 50% $144 • It is – – – – n surp Family w 1 p In emp The ith ?ot s patient a erce In rise lo OO famil urprisin patient a y ee nt cov P as the y -for max on cove dmiss er lin y age g that coin imu y dmiss cove patient a rag use : io m $1 $2De e. 5 5n rag t ave he io cop du e n most rag ctibl dmiss (Figu ay cop sura ed men es ay :he re nce io for men ts al 30 ns th i w famil ). ncre ts ere (Figu care w yere 9 p as service cove rees erce 29 12 rag hav pe ).nt hi s e rcen e bee on in gh crea ave t er hi namo gh sed rag limited. er e. ng from in 20 un 1,5 io 18 n 34 in memb he to $2 alth ers ,22 plcomp 5 an be s of tw are ee sal d n ari w 20 ith ed 13 and $4,000 $136 HRAs ha $15s rema $3 $3 ,00 ,00 00 ined flat since 2014. $26 $150 $22 $26 $104 $26 $133 16% 16% $119 $8 1000 % $26 $118 $21 16% $22 15 $1 15 15 15 15 15 15 15 50 % % % % % % % % $138 $22 $26 $102 $26 $102 $102 $117 • Behav $2,00s 0haring ioral economics for prescription drugs 8.0% , as that informati $21 on was not included in the Benefit Plan Design $196 16% Center or Initiative partner and a highly respected leader $120 $22 $1$2 ,50 $8 00 0 0 16% $133 15% Gender $1,50 $20 ,500 $25 $127 $113 $ tha 26 $21 t provide $112 health coverage for between 23 $26 and 25 million $1,534 people, ICUBA 3.0% $20 8% $200 $128 $ 10 10 10 20 % % % $2,000 $20 • Th – – e2018 Pa For fami non re ? i ys -e $ roll u 15% consider mp 3 — n,38 io 10 10 Sta ly lo a n % %7 45 y co me e for tus e pe ve s mb a PPO/ : ra (Fig bl rce Sa $2 e g 10 ,00 e rs e la % n u 0, v POS t re (Fig rie the a in ria 15 d cre op u tio in e ). re a nroll d p se n ivi 1 o9 site in .d). u e c a e op w ls s.ah a s $3,377 a ytrue ve me hi nt : g OOP h lev er e max dls edby uim ctib ty upe of h ms les tha were ne ho a sli lth u grly h c tly a in re h d ig ivi sh ed e rv u r a ice in ls un . (Fig iou n re pl 10 ans ). $ $1 $1 22 00 00 Industry $125 3% $121 within the employee benefits community—a positive $23 $3,327 $107 $118 $106 $123 $179 $123 $22 $$6 $6 240 0 $92 $1,500 $3,000 – Co Databas insura e. nce $3,000 does $6no 00 t have to increase to shift costs onto enrollees. • Incentiv $1$6 ,00 00 0 es 10% 10% $119 $20 $119 $90 $1 $3,00 ,500 0 0.0% $3,169 $3,146 $3,153 $114 $117 $1,500 $1 $1 $6 50 0 0 Male 54% 6.7% $2,000 reflection on your brand. • $$8 $8 $2 11 $2 0 0 0 En 80 rollment 6.5% in HMOs/EPOs fell slightly between 2013 and 2018 but only accounted for a small share of $2 $1 ,00 ,50 00 $21 de 40%pending up$1 on ,00 0 the year, between 2013 and 2018. This analysis is $2,988 $192 $1 0% 00 $21 $1,00 $10 5 $26 $117 $190 $190 Oil & gas extraction, mining 2% $96 – – T ($5 Co Prim hi ? ?pa s ,72 Spec $2 is no ar y4) ,60 men y ca tha iali 8 surp ts for re n in st ph are visi rise HRA non hi t y cop as sa gh sic enroll -un est ian ay io la men for rie cop n ee pl eme d s. ts ay ans inw men di rge ere vid ($5 ncy ts ua hi ,63 gh w ls de ere 9). er ha pa amo ve h 7 p rtment erce ig ng he un nt hi visi r in iots come n gh memb ($1 er 41 amo on ers, in ave ng 20 tho rag sal 18ug ). ari e tha h ed the n emp ho dif url lo fere y yee in nce s diin vid w 20 as ua 18 ls 2.5% 6.1% $21 10% $184 $19 $21 13% 13% $3,000 $1 $10 5 $2 $2 ,00 ,00 00 $104 • •De Consumer ductibl -driven es va health ried benefits significantly by plan type. J.P. Morgan Chase $1,500 13% Co $1 mp ,00 reh 0 ensive HMO/EPO PPO/POS HRA $4 5% 00 $21 Female $116 46% 6% $$8 22 $8 00 $1 $4 00 0 – As med 13% ical prices rise, $21 patients will pay more automa • Help tical ensure ly w the he continued n they in ha -depth, ve co fact in-sura based nce examination 12% $25 $20 $20 $1,500 $$4 $4 230 0 $100 $10 12% Manufacturing $115 $116 the market in 2013. $1,00 5% 0 $115 $115 $115 $400 based on a sample of 5.9 million individuals who were continuously $150 $1,100 – an HR on ?d ly A (Figu $1 are en 1 p ,93 t rol erce he re 1 le refo for 16 es nt (F ). HMO w re ith ig be ure emp /EP tter a 20 O lo ). bl y enroll ee e to -on af ee ly ford s cove (Figu hirag ghre 2 er e w de 8). ere du ctibl the on es.ly enrollees to experience a reduction in $100 $5 $22 10 $1 10 10 10 10 10 10 10 00 % % % % % % % % $1,000 $2 $1,00 ,000 0 $1,063 $2,000 $22 $88 $1,00 $2 0 ,000 $500$157 of key current and emerging issues. $8 $ 021 4.7% $157 – – En The rol $24 y le are es low in HSA est for prima - 5% elig $21 ible ry he care alth pl ph an ys sici face an d the office visi highe ts st ($2 ave 2 rag in 20 e 18 de) du (Figu ctiblre es 13 ($2 ).,673 for employee- $5% 5% 19 5% 2.0% 5% 5% $$6 $6 $1 10 11 $1 0 0 5 % 65 2% $991 $200 $988 $500 $99 $2 $50 0 30% becau $10 se they are paying a portion of the cost. Durable goods 31% $1,000 $5 $1,000 $1,000 APPENDIX $1,000 $97 5% • W – – e fou Unio OO In 20 ?nd P T n v 18 he max con , re s. the sid imu w Non O as era ms OP no -bl Uni be e max mea vari on twee : imu ni atio Ind ng n m 20 n ivi ful in w 13 du di cop as al fan fere s hi ay d in gh nce 20 un men est 18 io in ts for ns (Figu cop by PPO/ ha ay in ve re du men POS 31 lo stry w ). $96 ts er , en bu for de rol t du prima the le ctibl es re an ry w es ere d ca tha $96 lo re no w n tho est ph cle y se for HMO/ ar sic -no cut t ian Pft izin e ren visi un rEPO ds ts ions be (Figu twee res n en -2%rolled in the dataset from 2013 to 2018. $95 $888 $$6 21 $6 00 $5$5 0000 3.8% • Engage with EBRI to define and analyze key research and $ $2 $2 $2 22 00 on 0 0 ly coverage in 2018). 4%Current Plan Researc Ty$5 pe $1 h $1 ,00 T ,00 opics: 00 $89 $2,000 $500 Nondurable goods 8% $21 $18 0% 0% $0 $0 $0 $0 $0 $0 $0 $6 $ 020 5% $2 $ 420 1.5% $115 $5 $1$5 00 ,00 00 0 assess implications and insights. $724 $20 $500 20 20 20 20 20 20 20 20 2013 13 13 13 13 13 13 13 13 20 20 20 20 20 20 20 20 2014 14 14 14 14 14 14 14 14 20 20 20 20 20 20 20 20 2015 15 15 15 15 15 15 15 15 20 20 20 20 20 20 20 20 2016 16 16 16 16 16 16 16 16 20 20 20 20 20 20 20 20 2017 17 17 17 17 17 17 17 17 20 20 20 20 20 20 20 20 2018 18 18 18 18 18 18 18 18 22–25 (Figu en ).rol sal le re es. ari 11). ed an Thi d h s is no ourlyt surp emprisi loyee ngs sin (Figu ce un re io 17 ns ). often trade off wages for benefits. $100 $5 • Disenrollmen $500Trend t from HSAs -eligible in Co health plans st Sharing for Medical Services, $1,000 $20 1% $1,000 $$4 $4 $1 11 $1 0 0 0 40 $24 0% Comprehensive 3% 18% Transportation, communications, & utilities 17% 20% 18% O O O O O O O O Oiiiiiiiiilllllllll & & & & & & & & & G G G G G G G G Gas as as as as as as as as E E E E E E E E Ex x x x x x x x xtr tr tr tr tr tr tr tr trac ac ac ac ac ac ac ac acti ti ti ti ti ti ti ti tion on on on on on on on on, , , , , , , , , Mi Mi Mi Mi Mi Mi Mi Mi Mini ni ni ni ni ni ni ni nin n n n n n n n ng g g g g g g g g 20 $$ $ $ 2 2 3 13 $ $ $ 6 2 3 0 0 ,0 7 3 21 0 3 % % 4 9 9 0 5 1 89 20 $$ $ $ 2 2 3 14 $ $ $ 3 6 2 0 0 ,3 2 8 43 7 3 % % 0 7 0 4 2 7 67 20 $$ $ $ 2 2 3 15 $ $ $ 6 2 3 0 0 ,3 8 2 47 3 3 % % 7 0 0 5 7 7 31 17% 20 $$ $ $ 2 2 3 16 $ $ $ 6 3 2 0 1 ,3 2 4 83 3 7 % % 0 0 7 5 8 7 56 17% 20 $$ $ $ $ 2 2 3 17 $ $ 2 1 7 3 1 0 ,3 2 43 0 4 0 % % 8 1 5 2 4 1 79 20 $$ $ $ $ 2 2 3 18 $ $ 3 7 1 2 0 1 ,3 2 41 1 5 5 % % 5 8 6 0 5 8 00 PhRMA – This $21 is followed by HRAs, then PPO/POS, comprehensive, and 17% HMO/EPO (Figures 4 2.1% –5). $$2 4 $ 10 40 17% 16% $ $0% 0% 18 21 $0 $0 $0 $0 $0 0% $0 $0 0% 0% $0 16%16% • Provide professional development opportunities for your 5% $5 5% 5% 5% 5% 5% 5% 5% 0 – Data on OOP maximums were 15% unavailable for HSA-eligible health plans. $4 $5 $ 020 0 15% $28 2%1.0% 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 2 21 1 1 1 1 1 1 1 1 0 03 3 3 3 3 3 3 3 3 1 13 3 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 2 21 1 1 1 1 1 1 1 1 0 04 4 4 4 4 4 4 4 4 1 14 4 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 2 21 1 1 1 1 1 1 1 1 0 05 5 5 5 5 5 5 5 5 1 15 5 $27 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 2 21 1 1 1 1 1 1 1 1 0 06 6 6 6 6 6 6 6 6 1 16 6 $27 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 2 21 1 1 1 1 1 1 1 1 0 07 7 7 7 7 7 7 7 7 1 17 7 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 2 21 1 1 1 1 1 1 1 1 0 08 8 8 8 8 8 8 8 8 1 18 8 Ma Ma Ma Ma Ma Ma Ma Ma Ma Ma nunu nu nu nu nu nu nu nu nu fac fffffffffac ac ac ac ac ac ac ac ac turi turi turi turi turi turi turi turi turi turi ng, n n n n n n n n ng, g, g, g, g, g, g, g, g, Durabl D D D D D D D D Durabl urabl urabl urabl urabl urabl urabl urabl urabl e Goo e Goo e Goo e Goo e Goo e Goo e Goo e Goo e Goo e Goo dsds ds ds ds ds ds ds ds ds 2020 20 13 20 13 13 13 17 $1 $2 $6 $3 17 15 $2 $9 $2 % ,81 ,44 49 92 % % 5 1 9 5 62020 20 14 20 14 14 14 $26 18 $2 $2 $3 $7 $1 15 17 $2 $2 % ,06 ,15 86 49 04 % % 1 6 2 0 2020 20 15 20 15 15 15 18 $2 $2 $3 $8 $1 15 17 $2 $2 % ,15 ,19 39 49 04 % % 8 2 9 1 2020 20 16 20 16 16 1618 $2 $2 $8 $3 $1 17 15 $2 $2 % ,25 ,17 93 98 09 % % 2 8 6 6 2020 20 17 20 17 17 17 $2 $1 $2 17 $3 $1 15 17 $2 $2 % ,00 ,47 ,31 16 98 % % 8 3 5 8 3 20 17 20 20 $1 $2 $2 18 20 $3 $1 15 17 $2 $2 % 18 18 ,77 ,12 ,50 18 98 17 % % 9 3 9 8 2 -4%• HSA H Balances MO/EPO and Use of Health $26 Care Services 15% Wholesale & retail trade 4% 5% $24 organization’s researchers and experts, who can work with $0 $0 $0 0% $0 $0 $0$0 $0 -3.9% $500 $1,000 $0 2013 –2018 Un Un Un Un Un Un Un Un Un Un Un de de de de de de de de de de de r r r r r r r r r 26 26 26 26 26 26 26 26 26 r r 26 26 $4 $1 $1 $7 $1 17 18 $2 $2 $2 ,60 ,34 18 13 15 38 % % ,94 0 4% 4 85 $4 $2 $1 $9 $1 17 19 $3 $2 $2 ,79 ,02 20 18 22 16 % % ,11 6 0% 6 54 $4 $2 $1 $1 $1 17 20 $3 $2 $2 ,09 ,79 ,01 21 30 21 % % ,13 6 1% 4 9 70 $4 $1 $2 $1 $1 17 20 $3 $2 $2 ,80 ,14 ,01 21 22 35 % % ,15 7 1% 1 7 90 $1 $5 $2 $1 $1 20 17 $3 $2 $2 ,01 ,10 ,24 18 40 21 % % ,29 7 1% 3 4 21 $2 $1 $5 $1 $1 20 17 $3 $2 $2 ,14 ,33 ,05 18 22 42 % % ,33 8 1% 1 9 97 $23 $19 Co Ma Ma Ma Ma Ma Ma Ma Ma Ma Co Co Ma mp nu Co mp mp nu nu nu nu nu nu nu nu nu frmp ac eh fffffffffr rac ac ac ac ac ac ac ac ac turi eh eh r en eh turi turi turi turi turi turi turi turi turi en en s nen ig, v s s n n n n n n n n ne iig, g, g, g, g, g, g, g, g, s v v N ie e von N N N N N N N N N eon on on on on on on on on durabl d d d d d d d d durabl urabl urabl urabl urabl urabl urabl urabl urabl e Goo e Goo e Goo e Goo e Goo e Goo e Goo e Goo e Goo e Goo dsds ds ds ds ds ds ds ds ds 11% 20 20 2013 13 13 $420 20 20 18 12 80 20 $8 13 13 13 % % 20 20 13 92 13 13 18 $3 $1 $5 $2 15 15 $2 $8 $3 % 20 20 20 ,15 ,14 29 50 % % 2 0 8 14 14 14 9 2$520 20 20 12 18 10 20 $9 14 20 20 14 14 % % 14 45 14 14 18 $2 $1 $4 $2 20 17 $3 $2 $8 % ,06 ,02 ,21 50 % % 2 1 8 7 6 520 20 2015 15 15 $520 20 20 18 12 $1 20 69 20 20 15 15 15 % % ,06 15 15 15 6 18 $1 $4 $8 $2 18 20 $9 $3 $2 % ,84 ,09 92 50 % % 2 3 0 0 1 20 20 20$5 16 16 16 20 20 20 14 19 20 $1 59 20 20 16 16 16 % % 16 ,04 16 1620 3 $1 $4 $9 $1 $2 19 20 $2 $3 % ,07 ,89 12 50 52 % % 2 3 1 3 20 20 20 $520 20 20 20 17 17 17 14 19 $1 75 20 20 17 17 17 17 % % ,06 20 17 17 $1 $4 $9 $2 $1 20 19 $2 $3 % 5 ,08 ,96 12 50 82 % % 3 2 6 4 0.8% $6 20 20 20 20 20 20 20 20 14 19 20 20 $1 $2 $1 $4 04 $2 $1 18 18 18 19 20 $3 $2 % 18 18 18 18 % % 18 18 ,22 ,06 ,16 ,04 50 26 % % 7 43 0 0 8 2013 2014 2015 2016 2017 2018 10% $$2 $2 11 $5 0 0 $5 2 $50 EBRI researchers. Finance, insurance, real estate 16% PPO/ $0 POS 0% $0 55% $$2 20 $2 00 8% • Use of Low Valued Health Care Services and Deductibles 10% 8% 26 26 26 26 26 26 26 26 26 26 26 – – – – – – – – –34 34 34 34 34 34 34 34 34 – –34 34 $4 $1 $1 $7 $1 17 19 $3 $2 $1 ,44 ,57 18 30 18 67 % % ,64 5 9% 1 47 $4 $2 $1 $9 $1 20 18 $3 $2 $2 ,00 ,84 20 31 34 26 % % ,90 0 6% 7 70 $1 $4 $2 $1 $1 21 18 $3 $2 $2 ,85 ,04 ,04 21 35 39 % % ,66 0 7% 8 8 38 $1 $4 $2 $1 $1 20 18 $3 $2 $2 ,11 ,85 ,03 21 40 40 % % ,66 1 7% 9 3 37 $5 $1 $2 $1 $1 21 18 $3 $2 $2 ,16 ,11 ,21 19 39 44 % % ,79 8 1% 3 6 20 $1 $2 $5 $1 $1 18 21 $3 $2 $2 ,33 ,16 ,22 19 41 47 % % ,83 1 8% 6 6 22 $2 $ 019 Tr HM Co Tr Tr Tr No Tr Tr Tr HM Tr M No Tr S M Tr Co Co HM Co aHM n a O a a a a a a a a a a a s lm m n m m n lla /n n n n n n n n n O O e e p E - -r s s s s s s s s s p p p p O (E (E Un Un o //iP e p p p p p p p p p E E r r r rr/e e e e O d o o o o o o o o o tE P P a m m iih h h h (E o o r r r r r r r r rP O O ti ttttttttte e e e n n p p a a a a a a a a a o O n n n n (E (E llti ti ti ti ti ti ti ti ti m o o n s s s s o o o o o o o o o , y y iiiip n n n n n n n n n v v v v m m e e Co le e e e , , , , , , , , , o e e p p Co Co Co Co Co Co Co Co Co y - -m llO O e o oe y y m m m m m m m m m m n n- e e llO y y u m m m m m m m m m e e) ) n n - -u u u u u u u u u O O ilc n n n n n n n n n ya n n iiiiiiiii)c c c c c c c c c ti ll$2 y y a a a a a a a a a o ) ) $2 $2 ti ti ti ti ti ti ti ti ti n ,61 o o o o o o o o o s4 6 n n n n n n n n n , s s s s s s s s s 1 & , , , , , , , , , Ut $3 & & & & & & & & & $3 $2 Ut Ut Ut Ut Ut Ut Ut Ut Ut $7 14 20 10 56 i$6 l,02 i$3 ,90 ti 20 % % % iiiiiiiii$9 llllllllle 23 iiiiiiiiiti ti ti ti ti ti ti ti ti ,04 7 se e e e e e e e e 8 83 s s s s s s s s s2 21 $1 $3 $2 $5 $1 $2 17 13 $2 $2 % ,25 ,10 $2 $2 01 12 53 ,63 % % 1 84 8 7 63 $3 $3 $3 $8 20 18 11 87 $7 $1 $3 ,22 ,00 97 % % % 20 ,16 ,14 3 5 5 6 22 $1 $3 $1 $1 $2 22 14 $3 $2 % ,84 ,06 ,65 12 62 % % 2 1$2 0 8 7$2 $2 ,66 8 4 $4 $1 $3 1 $3 20 13 18 21 $3 $1 $7 ,18 ,00 ,04 % % % ,16 ,32 37 1 4 16 5 22 $1 $3 $1 $1 $2 14 22 $3 $2 % ,88 ,09 ,09 63 12 % % 1 2 2 0 8 $2 $2 $2 ,65 $4 $3 8 4 $3 $9 15 18 21 $1 $3 55 4 $9 ,19 ,06 97 % % % ,19 ,34 83 8 322 6 6 $3 $1 $1 $2 $1 14 23 $3 $2 % ,11 ,12 ,91 12 64 % % 2 3 2 4 6 $2 $5 $2 $2 $1 $3 $3 ,65 $1 $3 15 21 18 $1 11 4 8,07 ,34 ,21 ,61 ,34 9 % % % ,09 22 $1 $1 $3 $1 $2 1 4 14 23 7 $3 $2 % 2 6 8 ,27 ,16 ,80 68 12 % % 2 3 0 7 7 $5 $3 $1 $3 $3 $3 $1 $2 $2 22 15 21 18 $1 $1 $3 $1 22 ,36 $1 $2 ,11 ,39 ,27 23 14 ,69 ,41 $3 $2 8 4 % % % % ,12 ,29 ,83 ,13 9 70 12 % % 2 3 0 4 0 0 77 8 8 8 0.5% 2013 20132013 2014 2014 2014 2015 2015 2015 2016 20 0.1% 20 16 16 2017 20 2017 17 20 20 20 18 18 18 Salaried (Employee-Only) $976 $1,195 $1,245 $1,272 $1,385 $1,495 6% $21 $22 $21 $21 $21 5% Employee Benefit Research Institute $20 0% Services 4% 22% P WP W W HM W O P HM W P F Un Un W Ho HM W W P W F W 35 35 35 35 35 35 35 35 35 ho O P HM E em em 35 35 P P P iho ho ho ho ho ho ho ho ho l– – – – – – – – – l & /P P me iiurly O O O es on on O O O 44 44 44 44 44 44 44 44 44 – – O al al lllllllll/P /P /P O G O 44 44 es es es es es es es es es ///al ( ( E E E r/P e (Em e (Em ( /ge S O O O E E E as e & P P P al al al al al al al al al E O S S S P m m O O O nc e & e & e & e & e & e & e & e & e & m E S O pl pl Ret pl y xpl pl o o Ret Ret Ret Ret Ret Ret Ret Ret Ret tr oy Depa y y oy oy ac e e ai ee e-O e-O ee ee lti ai ai ai ai ai ai ai ai ai Tr on -lllllllllO r- - Tr Tr Tr Tr Tr Tr Tr Tr Tr tme O O nl nl ad $1 $4 , nl $1 $1 $7 18 17 $3 nl nl Mi y y $2 $2 ad ad ad ad ad ad ad ad ad y e ,32 ,58 18 ) )y y n )60 16 24 % % ,19 ni 5 0 ) ) e e e e e e e e e t% n 8 3g 8 $2 $4 $1 $1 $9 20 17 $3 $2 $2 ,01 ,69 20 24 23 35 % % ,39 0 6% 7 86 $1 $2 $4 $1 $1 18 20 $3 $2 $2 ,70 ,04 ,08 21 31 30 % % ,37 1 7% 4 0 01 $1 $2 $4 $1 $1 20 18 $3 $2 $2 ,70 ,04 ,14 21 31 36 % % ,37 7 1% 6 1 19 $2 $5 $1 $1 $1 18 20 $3 $2 $2 ,24 ,01 ,12 19 31 41 % % ,53 1 8% 7 5 35 $1 $2 $5 $1 $1 20 18 $3 $2 $2 ,16 ,34 ,07 19 31 43 % % ,58 8 2% 5 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,08 ,95 ,20 26 21 ,23 ,55 $3 $2 5 9 % % % % 31 ,47 ,64 ,00 ,32 1 % 50 34 % % 7 7 5 7 7 0 1 they 11 9 7 0 ’re Hourly (Employee- 3% Only 3% ) $700 $953 $961 $1,002 $1,065 $1,069 3% • Workplace W 2% 2% 2% ellness Programs -6% Comprehensive HMO/EPO PPO/POS HRA HSA-Eligible Health Plan HRA Fin Ma P Ma S HRA HRA F F F P F No F No P F F F HRA Ma F 45 45 45 45 45 45 45 45 45 an In HRA P iiiiiiiii45 45 P al P P n n n n n n n n n– – – – – – – – – P n-U n-U O O O an an an an an an an an an llnu pa a e e c 54 54 54 54 54 54 54 54 54 – – O r/P /P /P e, ( ( 54 54 ic c c c c c c c c fti ed /P F F ac ni ni In e, e, e, e, e, e, e, e, e, en O O O a aO ( on on In In In In In In In In In turi S S S mi mi s t A F S uran ( ( am s s s s s s s s s lly y n d F F uran uran uran uran uran uran uran uran uran ) )g, mi am am ilc y D s e )iic c c c c c c c c s llurabl , Re y y e e e e e e e e e ion ) ), Re , Re , Re , Re , Re , Re , Re , Re , Re $1 $4 $7 $1 $1 18 17 $2 al $2 $2 e Goo ,55 ,25 18 $4 al al al al al 18 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% ,81 4 4 717 5 3 7 $1 $3 $3 2 $2 $1 17 19 $3 $1 % ,51 ,22 ,61 00 58 % % 4 9 1 5 0 $4 $1 $2 $1 $1 20 18 $3 $2 $2 $3 $5 $1 ,17 ,91 ,08 19 $2 $2 38 25 % % ,31 $5 $2 7 1 $5 ,34 ,32 ,95 $5 $2 % 18 17 17 $3 $3 5 6 5 6 1 18 ,17 ,10 ,62 0 ,58 ,82 0 8 % % % 7 ,52 17 ,83 $3 $3 $1 % $1 $2 5 3 17 19 8 $1 $3 % 4 7 6 ,37 ,83 ,77 058 00 % % 4 9 3 1 2 $1 $2 $1 $4 $3 $1 $1 18 20 $5 $2 $3 $5 $5 $2 $2 $5 $2 $3 ,97 $2 $2 17 17 18 17 ,11 ,25 ,96 19 $3 $3 $3 $1 ,38 26 40 % % 18 $1 $2 ,26 ,15 ,35 ,66 ,32 17 19 8 2 ,96 ,63 ,86 $1 $3 1 6 % % % % % 6 ,63 ,43 ,84 ,81 6 9 0 7 % 60 00 % % 9 4 0 8 8 8 8 9 8 09 5 3 7 Salaried (Family) $ $ $ 22 0% 0% 0. $ 11 20 $0 $0 $0 $0 $0 0% $0 0% 0% 0% 0% 0% $ 0% 19 $0 $0 0 19 $0 $2,116 $2,543 $2,641 $2,696 $2,886 $3,068 $0 HSA-eligible health plan 10% Agriculture, forestry & fishing, construction 0.1% 0% $0 0% $0 901 D Street, SW, Suite 802 Employee-Only Coverage Family Coverage S HS erv HS Ho F S HRA S HRA S HS S S S HS HRA S Un F S S Un S 55 55 55 55 55 55 55 55 55 A HRA O 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