Figure 31 Figure 3 Figure 6 Figure 4 F Fiig gu ur re e 26 29 F F F Fiiiig g g gu u u ur r r re e e e 5 28 27 13 F F F F F F F F F N F F Ou F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F F Fiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiio g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g g gmi tu u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u -of r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r re e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e n-al 21 49 35 41 37 44 17 60 50 20 56 32 8 10 54 45 25 15 11 33 34 46 62 16 65 61 58 57 22 24 38 30 67 1 36 7 2 48 23 12 9 47 59 53 68 43 19 63 39 66 42 18 69 55 14 64 52 40 51 Po an cke d R t (OOP) eal Ded M uaxi ctimu bles ms ArIe ncr Treases ending Var up y, b In ycr H easing ealth Pl in an R T eal yp T e; er H ms RAb En y 15 rolPer lees cen Wit th an F d ami in lN yo C mi ov ner alag Ter e ms Are bSeeing y 28 Per th cen e t Deductibles Are Increasing Among Comprehensive, HMO/EPO, and PPO/POS Enrollees With a Deductible and Employee- Deductibles Are Highest for HSA-Eligible Health Plans and HRAs, HMO/EPOs Had the Lowest Deductibles in All Years A A C Dmo n ed on pu u ay n ctib al g me Ou En ln es r t ts - o of A lA lees r -r Po e e H H cke W ig ig ih th h t est est M Em axi fo fo p r mu r l o H Em y SA ms ee erg -- Eli T On ren en g ly ib cy d C led e o D H v ep u erag ealth partmen Un e, ti Plan Ou l 201 t ts Visi -of 7 an -an Po ts d d H an cke H Rd av A t s, IM n e p H axi Tatien r M en mu O/EPOs dted ms A d D W mission o ere H wad n Sin H th ig s e ce; h — L est o A th w v fo est e erag rM H D oR st e ed AStil Exp u En ctib lr en N ollo es lsiv ees wh ie n ere T Set A h l lr N o ti Yea ear u ng gh ris n 201 9 A Amo verag nge In C do iv in id su uals rance With Rate Fam s H ilav y C e T ovierag cked e, uOu p Sli t-of gh -Po tly cke for t Em Maxi erg mu enms cy D W ep ere artmen Highest t an fo d r In H pR atien A En t r A od llmission ees From Visi 201 ts 4an –202 d H 0. av In e 2013, Li Dat Out Coin Trends Trends Copay Trends Copay Cente Trends Out Copay ma - - itation of of surance r - - m m m Pocket Pocket for in in in in ent ent ent P P P E s Research lan lan nrol lan In In Increases creases creases Deducti Deducti Deducti Maxim Maxim lment on um um by and and and bl bl bl Health P es es es Trend Lev lan V V V(C (C ariati ariati ariati els T ontin ontin s Benef ype on on on ued) ued) (C (C its ontin ontin Innov ued) ued) ation IPlan Em D Pri ID Office Old Em Office IPri Em IEm Em Ou Office Em Sp Em Office Salari Ou IOu Em IPri Ou IOu Sp fo Office D Sp Office C Old Ou IU IOu Em n n n n n n n n nn ed o ed ed p p p p p p p p p reciali eciali eciali ip ma ma ma t t t t t t tatien atien atien atien atien atien atien atien atien erg erg erg erg erg erg erg erg erg Em o er er - - - - - - -u u u ay of of of of of of of n En ctib ctib ctib ed r r r En En - - - - - - - me Visi Visi Visi Visi Visi Visi M en en en en en en en en en p y y y Po Po Po Po Po Po Po r ls s s t t t t t t t t t em C C C o o W r r lllcy cy cy cy cy cy cy cy cy t t t A A A A A A A A A n o o es es es cke cke cke cke cke cke cke ly are are are t t t t t t Ph Ph Ph lts o d d d d d d d d d llee me b llC C C C C C D D D D D D D D D , ,r ees ees mission mission mission mission mission mission mission mission mission Vary ers kers b b y o y o o o y o o R t t t t t t t -ep ep ep ep ep ep ep ep ep Ph Ph Ph On n sici sici sici y y iiiiiiM M M M M M (OO in n n n n n sin t artmen artmen artmen artmen artmen artmen artmen artmen artmen IIC C su su su su su su axi axi axi axi axi axi H y y y In n l s sici sici sici y Sli h h an an an H av d d g P) r r r r r r Sh o o mu mu mu mu mu mu u u C av an an an an an an F e L o o g stry stry C C C C C C C C C Office Office Office o an an an M ast se se h e H ice, ce, ce, ce, ce, ce, v o o o o o o o o o fti ms ms ms ms ms ms tl axi t t t t t t t t t erag o iiiip ip ip n n n n n n Office Office Office y C C C C C C C C C n ,,L L er w ay ay ay i su su su su su su ,,,,,,b b b b b b g g A A o o o o o o o o o o o b mu er b b b b b b y y y y y y h w w mo mo iip iiiip p me me me y fo Visi Visi Visi to n n n n n n e, r r r r r r y y y y y y er ay ay ay IT Gen C A U an an an an an an er er D Gen su su su su su su ms n r IA Gen A C Iy H g n lan n n n n n n n ed d Ime me me ass Visi Visi Visi D p g g ln t t t ce, ce, ce, ce, ce, ce, D D e, ir r r r r r ts, ts, ts, d d M g g u ass o e ed an an an an an an e, e, C C C p d d A u u ed ed u stry d n O/EPO IIA d n n n atien o o o er, o n n stry stry ctib r er, It t t b b b b b b b b b u ce, ce, ce, ce, ce, ce, o A A e er, ts, ts, ts, n Sta mo p p p u u f d d C C C y y y o y y y y y y ctib f mo mo creasin ay ay ay ctib ctib H iiL , A f v v o o o Em an T Gen A Gen T A IU C l,,A o b b b ealth 201 b b b b b b n n iiW tu e p p p mo t me me me y y d d g A A g n lw y y y n n y y y y y y mo d g s lass ay ay ay A d p p u u e, lles o s, e, i mo mo an p g g u es es e o T A Gen T C U A IGen e T e d Ials als d r 3 n d D n n n n l stry me me me n r n y o ker, y g IIh mission n g A A n lA – er, d g o er, d o ts, ts, ts, n n T i ass d p A Plan p n n g y T T o e, fferen an g e, i2020 mo mo Sta mo f u f d d h o ie H ee, e Ig g W W mo h h f n n n d v d n i H stry H iian In ,A n A b b b A an an A v v SA Em n its, ts, ts, er, o er, o d 201 IIN iid A ealth ealth n n o n tu y y y n n iimo th th mo mo d Sta mo f R f ,id d n u A o mo g g v f g d d H i H A T Gen A - H Ev Ev u u g ,s, eal b b b v al A p n A ces i mo Eli Em iia a 3 o d y II IA v v als als ealth mo g n iealth n y y y n n l- tu mo n n mo Visi n d s U – o u p u U n A iiD D ery ery e, g g mo g g d d d d d g A Gen T Plan u Plan 2020 y r n e T als g s, n W mo n p d ed ed iiu u liA iy n Ials ee, Ig IW W Iin erms v v y g A n v b n iln er, n o n o Ip al al ts o o io g o r n e, A iin ig th g ld mo u u d d f d d W d n e iid Plan e IPlan e n n n n y W g d th th s s mo d n I,i,ctib ctib i iH u u i W u IA ee, Ie e n v g A A v v Gro M v er, o o H n id n A a W A W W iIal al v als ealth iid mo n ith n imo mo Em F f r d iElse Else id d d ealth d Imo d em mo ib n th C v kers in o g s s d iid am H ,iu ,iu v u llu th th A A iy v g v o d e e r a w iu d A A ials W W als ealth n W al Iv al n kers in ia mo mo d p b iin n 10 n d als u d Ian an mo imo C n v ig F Em ig g n u ln s d s ers iid g ilg u Plan C als u o ith th su th y o am d Plan als d g u Ii W Ials W IW als d d n n W y o Percen n v In Iin in u W n C als n n n ee p v g g Ov ir ia a d a d id Em F iPlan in g al id g W d ian d su o th ith lth th i ilW d i,io am IIC C su u W th C v W y i- v iv v s n n s IIiv er T A v On u W y n ial n th ce, io o erag r io ia a a d d p C d a iid id iW ee th al F an mo r d d d th a d th ip iiis ,iilu an u n C o u C ln C r th C v v o iu lit u a s ay y i A v C o als y v - als su v als i a th W su ce, ii201 o o y o als o a an als On a me d d in im mo C ce, W C erag o e, ee d p a C d ime p iC u u ig n C C n r ir o o a th u ay u ay d io n W an C als als o an W C su W l201 201 th su 3 o - io v W als W Iy als n v su C n On 201 i n n o i – o me p erag i me a in in ig erag e, ce, su n th ce, C o ir d t, th ith i2020 r a mp ay su th th n an W W r an C su 3 3 iiN o IlW W an n v 201 201 C su n y 3 n r n – – a o a me a v o iir ian a su a 201 ce, – d 201 th t, th ce, r o ir 202 2020 e, t, d iC p an erag e, th min C ce, th eh C an C r 2020 i iC u C ay v an o 201 n 3 3 ce, 201 r o n o 201 o a a als ce, 201 i o an o v su a – – 201 3 en a ce, 3 201 d it, 0 p p me n 201 p C ce, C ierag 2020 2020 al – – u e, n C ay ay C su ce, 3 201 ay 201 3 r 2020 siv 2020 o o 3 als W su 201 3 o an o – T – 3 201 3 n ip – 201 me me – n 3 201 p me 2020 r i2020 – erms – it, 2020 ay n r an e 2020 th e, 201 – ce, su 3 3 ay 2020 2020 an W su 3 2020 – 201 – n 3 n an me 3 n – 201 ce, 3 me a 202 r 2020 i – t, t, – ce, t, th r 202 an 3 201 – 202 d an 202 C 201 201 – b 2020 3 n 201 n 201 o 3 a ce, PPO 2020 0 – y t, 201 ce, t, 0 – p 3 2020 0 C 0 23 201 2020 3 3 – ay 3 201 o 3 201 – – 2020 – 3 201 /p – 202 me 202 Percen PO 202 – 3 ay 2020 3 202 – 3 – 3 n me 2020 S – 0 0 0 202 – t, 2020 0 202 201 nt 0 t,fo 0 201 3r – F 202 3 am –2020 0 ily Only Coverage, but Deductibles Are Decreasing Among HRA and HSA-Eligible Health Plan Enrollees With a Deductible and U Samp C U C L U Sp Emer U IC C C n ar n n o n o o n o o peci ip p iip p p iati g o o o o ay ay ay ay ay est n n n n g en al l e men men men men men M M M M en is M t Iemb emb emb emb n cy tA ean cr Vi ts ts ts ts ts d D eases, mi si er er er er fo fo fo fo fo ep st ssi s s s s ,r r r r r Co Po ar H H H H IPr Pr Sp Emer n o av av av av tmen pay p l n iiW ieci mar mar cy ati e e e e C hments g L L L L o en al iH lt en o o o o y y p e io C w w w w st t ay C C OOP l cy o A d er er er er ar ar Ph men p er d ay D e e mi Do Pr IEmer Sp ,n y ep Ph Ph 2020 M men p si issi ts eci mar ati No axi ar ci y yD g o si si an en al tmen t ts mu en n iy ci ci ffer Diffe i s st t C Vi Var an an cy A ms Var ar Ph si d t Ver e D Vi Offi Vi mi y rts y y H ep Betw Ph Sl si si si ssi y av b Var ce ts its ar ci y Sl y g e si o h an Itmen Var y Var in Vi een n F g tl ci d b s al h y si Vi u an y ;tl y y C l ts str en iSal si y t In b o b n Offi C B t y p A y d y M fo o C ay ar etw r u IIo n e p n o str rce imen st d ay d ed p Sl PPO/ u ee u ay y men Vi Years, str istr g and n men ts si h y y Sal POS tl t ts T y C Ho h ts ar H o T H an p iurl h iEn T o g ed ay an h u h N y an r er r men o l o an N y Empl n l fo lo N - W d ees U n o r ts o H n -n H U r ioy o -T o ker W o n U u h n u iees r n io an th r lW s iy ln o y H o W n F W N Emp r av ami o W o ker on rr e o ker ker -lr s U H ly o ker n iy s C g s iees o h o sn er v er W C ag o orp e ker ay an men sd Hts RA Enrollees Except 2019 Statu an W Excep h di ch Lto o t to w r 2019 y e R st M eceiv axi formu H e M m H O/ eal EPO th CEn are rollees Ou Remai t-of- n Po edcke Flat t M fo axi r Offi muce ms Vi W si er ts e Highest for PPO/POS Enrollees; Out-of-Pocket Maximums Were Lowest for HMO/EPO Enrollees. Emp Cover loag yee e -Si Onl nce y Co 2013 verage With Individual Coverage Emergency Department Copayments, by Class of Employee, Among Individuals With a Copayment, 2013–2020 Deductibles, by Co T pa ype yme ofnt He s fo alth Pl r Inpa an, tieAmong nt Admis Indiv sion idua Visls its W , by ith Industry a Deduc , tAmon ible and E g Indiv mploy iduae ls e- W Only ith a C ove Copa ray ge, me20 nt, 13 20 –1 20 32 –0 2020 Copayments fo Out r P Inpa -rim ofDeduc -P a tie oc rynt Ca ke tible Ad t rM emis a P sx , hy imums by ss ion Copay ic Ag iae n , , by Of Amon T fic me ye pe V g nt of is Indiv sits , Hea by , idua by Cla lth Cla ls s Ps W la s of s n, ith of E Amon mploy a E mploy Deduc g e Indiv ee , tible e Amon , idua Amon and E g lsIndiv g W mploy Indiv ith idua Eidua mploy ee ls - W Onl ls W ith ey eith -Co a Onl Co a v e y Co pa ra Co pa ge yv me y , eme 2 ra nt 0ge 1 , nt 3 2 , – , 0 2 2 2 1 0 0 0 3 1 2 1 – 3 0 3 2 – – 0 2 2 2 0 0 0 2 2 0 0 Copayme Out nt Co -s of pa fo -P y r oc me Spe knt ec t s ia M fo li as x r t imum, S Ppe hyc sia ic by li ia s T n t P y Of hy pe fic s of ic e V ia Hea is n its V lth is , its by Pla , Cla by n, I Amon sndustry s of E g mploy Indiv , Amon idua eeg , Amon ls Indiv With idua g Fa Indiv ls mil W idua yith Co ls a v W e Co ra ith ge pa, y a2 me Co 01nt pa 3– , 2 y 20 me 02 10 3 nt –, 22 00 21 03–2020 Co Cpa op Deduc y ay me ment nttible s s fo Co fr or spa P , rim by Spec yme He Deduc ary nt ia a Ca lth s lis , tible by tr P e Phys la T Pn T s y hy , pe ic by s y of ic ia pe G ia n , Hea e n V Amon nder is Of its, lth fic , g Amon e Care by Un V Indiv is its S g ion idua e, Indiv rv by ic Statu ls Ie ndustry idua W , Amon ith s,ls A a W mon , g Deduc Amon ith Indiv g aIndividuals Deduc tible idua g Indiv a lstible nd Fa W idua ith W , ls 2 mil a ith 0 Co W 1y 3 a ith – pa Co C 2020 op y a vme e Co ay rant pa ge ment , y , 2me 2 00 1 , 1 3 20 nt 3 –– , 2 13 2 2 00 0 2 –2 1 0 2020 0 3–2020 Emergency Depa De rtme ducOut tible nt Co -of spa , -P by y oc me Un ke nt ion t M s, aS by xtatus imums Union , Am , S by ong tatus, Ty pe Ind Amon of ividu Cog a vls e Indiv ra W ge ith idua , 2a 0 1 De ls 3 W – duc 20 ith 2tible 0a Co , 2 pa 01 y3 me –20 nt 2, 02013–2020 AveCo rage pa y Annu Inpat ment Deduc ie a sl nt Ave fo P e A r rc dmiss ra P tible e rim ge nta s a An ge , ry ions by nual Ca Cha Ag C re op nge P e P , eAmon hy ay rc ie ment s n nt ic O a ia g ut ge n s, Indiv -of Of Ch by Un -fic Pa oc idua nge e V k ion e is ls t in its M W Statu Co a , ith x by imums pa s, a Union y Deduc me Amon , nt by s Stible g , tatus, T by Individuals ype T a y of nd Fa Amon peHea of mil Hea g W lth Indiv yith P lth Co la a n a v Care idua C era op nd T ge ls ay S W e , y ment rv 2pe ith 0ic 1 of 3 e a, – , Co 20 2 2 Co 0 013 2 1 pa v 0 3e – – y ra 20 2 me 0 ge 2 2nt 0 0 , 2 , 0 21 03 1– 32 –0 22 00 20 Deductibles, by Class of Worker, Among Individuals With a Deductible, 2013–2020 • • • S Average dedu Increases mall differ in enc ded ctib es uct Co les in pa ibles deductibles yare tre mentalso s fond r Evary ing me rge by up by nc gender y in healt Depa real rtment h ar and plan e gr V no is .owing its min , by al Indus . Ther terms. try, e Amon are g lar Indiv ge idua diff lser Wenc ith a es Copa in yme deductibles nt, 2013–2020 Real $ Nominal $ Average Annual Percentage Change in Deductibles, by Type of Health Plan and Type of Coverage (2013–2020) Out-of-Pocket Maximums, by Union Status, 2013–2020 Deductibles, by Type of Health Plan, Among Individuals With a Deductible, 2013–2020 Real $ Nominal $ Nominal $ Real $ 2 2 2 2 2 2 2 2 20 0 5 0 5 5 5 5 5% % % % % % % % % 2 2 25 5 5% % % 2 3 45 5 0% % % 3 3 35 0 0% % % ® Nominal $ Real $ Nominal 19% $ 19% • Average out • • • • Not • O Cop Unio Th Coin alO l ere c P harts ayment n surance maxim is vs. non -min of are -po s ums or bas have hasn cke -un varia hav ed on the ion t ’t increased (O e trended tio increased emp Rea On P) l in Rea $loyee maximu ful cop l l$ up s in ampl mu ayment cop no slims ch ghtl min e for ayment on are yal s i n nomi three bet a terms still percentag s wvary een reason sub nal fo: r stan salar and all s e: healt -tially real terms Firs po ied int t, and h belo thi basis. care s ho anal $: w 30 Betw serv urly 0 thy e seen iemp stat ices, s ex2013 and ut c loyees lbu udes ory t in maximu dependen bu real 2020, t large m. Ots O and P $600 $600 Nominal $ by age, payroll, and union ReRea Rea Rea Rea Rea Rea Rea Rea Rea a Rea Rea Rea Rea Rea Rea Rea Rea Re Rea Re l Rea Rea % Rea Rea l l a a l l l l l l l l l l l l l l l status. $ $ l l l $ $ Cha $ $ $ $ $ $ l $ $ $ $ $ $ $ $ l $ $ $$ l l $ $ nge No No No mina mina mina No No No Nom No No No No No No No No No No No No No No No mina mina mina l mina mina mina mina mina mina mina mina mina mina mina mina mina mina No % l l mina ina $ $ Ch mina l l l l $ $ l l l l l l l l l l l l l l $ $ a l $ $ $ $ $ $ $ $ $ $ $ $ $ $nge $ l $ • This This The study study bigge made wa st s Co ch co ins us ange nduc ura Rea Rea e nc of l l $ % eted , in plan enrollment data by Tthroug ypefrom of Hea h lth the the Care Mera EB ServRI Center wa ictiv e, Amon s ethe g Indiv Mark movement for idua etS Re ls Wca se ith n Co ar of ins ch Co enr ura on mmerc ncollees eHe , No No 20mina No 1 mina alth 3– mina ial 2020 l from l $$Benefit l Claims % preferr s Da etabas d e Rea Re l $al $ Nominal $ Real $ Nominal $Nominal $ Real $ Nominal No $ minal $ $4,000 Rea Rea l $l $ Nominal $ Rea Rea Rea Rea Rea l l l $ l $ $ l $$ Enrollment by P Rea lan l T $ype, 2013 –2020 $4,000 Nom No No No mina mina ina mina l l $ l l $ $$ 18% 18% 18% 18% 18% 18% 18% 18% 18% 18% 18% o The largest increase in employee-only deductibles between 2013 and 2020 occurred among No enr mina oll l ees $ in o A Age ll Enrollees: Among enrollees with deductibl44 es .6, average inc Sreases alaried vs. in deduc Hourly tibles have outpaced inflation, leading to $3,500 18% Nominal $ $10,000 $10,000 $40 $38 focus maxim terms, varia es stio ol ums no el n ybet t on pol for all wserv emp een icyices loy un holion ee ders. S had - on and lincreases yec no cond, not ov n $172 erage i -union in ev nc cop emp ery reased one ayment loyees. at in the an av s. Th sampl erage e chan e has annual ges eac by h ty rate ann pe of ual of 3 percen c rate ost s (real haring t in nomi – (e.g., nal $4 $1 $3 $4 $1 080 50 50 $3 800 $5 $4 $8 $2 ,0 $4 50 ,0 ,0 $1 $3 00 00 0 00 80 0 $30$7 $3 0 0 5 $5$8 ,0 $2 $9 00 ,00 ,4 ,0 $7 00 00 ,0 0 00 Real $4 $3 $4 $1 $5 $3 $1 $3 $0 0 50 0 50 0 80 80 $2 $4 $8 $1 $3 $3 ,5 ,0 ,0 $4 50 80 0 00 00 00 0$5,0 $3 $7 00 0 5 $6 $2$8 ,4 ,000 00 ,0 $8 00 ,000 $350 $171 $3,500 $3,0 $0 30 ,525 00% Real $ $26 $3,000 $64 00% $300 1 1 1 $8 8 8 3% % % ,000 22% $3,000 $168 Employee-Only Coverage Family Coverage 17% 17% 17% 17% 17% 30% 17% 17% $450 17% $6,461 17% $6,436 $30Innovat and pr Benefit ovider ion $3,500(EBRI P orlan Des ganiz CR $37 ation HBI). ign $167 (PPO)/point (cLaun opyright ched © $37 $415 -in 2010, of 2020 -ser vi Mera ce the $(POS) 3tiv 0 CR e HBI , and all rights focus compre esre on se hen helping rved) sive $6,390. health The employ Mera $6,3plans 87 er tiv s e to $200$ $ 80 3 7,0 % ,00 00 0 $7 $,0 8,0 00 00 $ $2 30 00 0 $6,246 $8,000 17% Employee-Only Coverage Family Coverage 21% 21% 21% o In oo2020, Betw Emergency the een statutory 2013 dep and 2020, artmen OOP maxim t c voi isit ns $409 um c urance opay wasments $8,150 for for emergency were emp nearly loy dep identi ee artmen -on cal ly in 2020 i cov ts $ inc 6 erage ,15reased 7 n heal , but from th pl actual ans 18 perc O of OP uni ent on to $20 6,087 $163 2 25 5% % $164 $26 Under 26$$ 32 ,5 ,2 00 00 4% Salaried $2,2 $5 00 00 52% $300o G ris comprehens end ing er: nomi In nal 2013, iv e pl and ans the real de , di fol fferenc low duc ed by ties bles i n deduc HMO/EPO . tible and by gender PPO/POS. $ 14 4% 5w 0 ere less than $3,54 perce 00 nt; by 2020, 12%$36 $37 Employee-O Rea nly Co l % ve ra Ch geange $36 Family Coverage $36 Nominal $ $500 7% $3,500 25% $399 11.318% % $2,41118% 18% copay terms noments min and 2 al) and are a percen coi s ns fo urance llow t in real t s:), and $184 erms data w . OOP ere maxim someti ums mes for mi fam ssiily ng. cov Data erage were inc mi $3 $32 reased 0s 0sing bec at an aus No av e s mina $2erage ,4ome be 03 l %$ Ch 2$159 ,40a 6nge nefit $2,361 Em $2 p,3 lo5 ye 7e-Only Coverage Family Coverage $4,500 $308 $4,500 $2,313 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% 20% $60 20% 20% 20% $39220% 20% 20% 20% $6,000 $35 $35 $158 $35 $26 $35 $4$ ,5 90 ,0 000 $157 $5,2 $9 2,0 1 00 $7,000 20% $155 13.0% $2,50 $0 1,800 2 2 20 0 0% % % 20% $6,000 $26 $1,800 $4 $2 ,550 00 $43 $154 $156 $45 $$31 2,145 $160 ® $4 $1 ,060 00 17% $394 $2,000 $266 $2,096 $2,0$040 0 7% $ $4 10 60 0 $400 $7 $8 ,00 ,000 0 $ $1 46 00 0 $5,000 $7,000 $7,000 $388 $160 max o26 – iper and non Salaried mums 34 cent. 35% averaged -union vs. ho employ urly $3,473. em ees ploy (Fee igur co e 18) paym . His en 21% 71% tor ts $295 i:cally, copay $160 $ments 7,0 H0 ou 0 rly of union members were about 35 48% $4,500 $26 $375 $26 17% 17% $26 $174 $26 17% 17% 17% 17% 17% 17% 17% $25 $152 17% $25 ass Marke health ess tS the can 19% 19% 19% maint impact $37 $149 Databases enanc of $37 19% 19% plan e organiz contain design 19% 19% atiindiv on on cost, (H idual MO)/ 19% 19% 19% qualit -lev exc el, lusive y, de and - 19% 19% identi $3provider 0acc 0 ess fied to health organiz 19% health insur ati car on 19% 19% 19% ance e, $151 (EP with O) enrollment the and 19% 19% $35 20 20 16 16 20 20 20 16 20% % % % % % % % % di $25 fferenc $300 $25 es in deducti $25 bles by $25 gender exceeded 20 $25 $25percent. Men are picking $7,00 hi 0 gher-deductible plans $251 $36 $50 $257 $ $3 40 50 $3,000 $41 $380 $41 $291 $41 $180$5,000 $ $6 30 0 $180 $ $3 60 0 $149 $45 $254 16% $33 $33 plan provi annual sira ons $ $3te 3 $,0 ,0 25 0 00 0may of 0 4 per not cs ent end a suffi 2in nominal 5% ciently terms strong and 2 pe statis rcent tical s in ignal real to be termsre . presented in the Benefit Plan Design $300 $25 $3,000 $169 $145 $300 $25 15.1% $3,000 $145 $2,000 $25 16% $25 $36 $3,975 $3,922 $36 $40 $144 $24 $40 $25 $25 $243 $30 $7,0 $0 1,8 0 00 $3,885 $400 $7,0 $0 10 ,800 $379 $282 $250 $4,000 $145 $3,789 $160 $161 $28 $4,000 $507 $0 4% 50 $2,500 $142 $280 $280 $24 $425 $25 $2,500 $3,500 6% $166 18% 18% $1,575 $3,634 $32 $ $ $ 3 6 2 ,0 ,0 ,5 0 0 0 0 0 0 $3,544 $243 $4,000 $2,500 16 $% 25oo Emp Empllo oy y $3 16% 20% ee ee 0 --on O $ $3 1n l,5 ,4 yl 8 0 y 2 0de Co duv $157 cerage: tibles am $420 Real ong $157 deducti 20% 20% enrollee bles s i n H for 20% RA employ s an $ $2 2 d H ee 5 50 -only SA-el cioverage inc gible heal $3 20% 5th p relased from ans fell in 20% real $1,227 and n to om $1,412 fr 20% 20% inal term om s2013 $35 $37 $240 $163 $37 $40 $0 50 $4,000 2 20 0% % $27 $38 $27 $250 1$ 04 % ,000 35 –44 $26 $1,405 $27 $ $27 1,392 24% $1,412 $23 $23 $24 $138 $1,60o 0 percen 4 – $6 p 3,198erc $t 5,0low 0 en 0 t er. for inpatient admissions. $1,600 $38 $3,000 $161 $8,000 $1,342 $155 $155 $1,336 65% $31 $8,000 $228 $360 $2 $250 5 $4,000 $400 $41 $406 $$ $ 42 4 55 0 $139 over $140 9.2%time, while average deductibles have remained relativ 16% 2% ely $ c 1onstant 40 among women (Figure 7).$225 $1,227 $158 $34 $34 64%64% $3,500 19% $151 $1,500 $1,6 20 00 % $230 $265 $1,600 $34 $136 $26 $39 $26 $26 $39 $26 $26 $26 $342 $152 $25 goal and health plan of inc 19% des sa 2 3re $ 0 07 % % ,0vi as 0ign 0ngs ing information ac co 19% 19% 19% 19% co nsunt umer (H from enga SA 19% 19%)-employers eligible gement. $149 health 19% 19% 19% 19% and 63% plans health 19% 19% 19% . The per plans $22 $6,00 0ac ce 19% 19% 19% ro ntag ss $23 the e of Un enr 19% 19% $23ited ollees States in 19%$340 that $ $3 15 40 0Databas $350 $25 e. Bec $25 $6,00 aus 0 e of mi $25 ssing data, we were not able to determi $ $3 15 40 0 ne the percen $4,00tage 0 $$131 6,000 of the population with $334 $217 $260 $154 $6,000 $367 $368 $147 15% $43 $33 $140$3o ,01 1 1 04 4 4 0% % % In o2020, Coi $152 ? ns $the 2Emergency ,5 urance 00 $38 s$146 tatutory for $148 inp $386 O dep O atien P artmen maxim t adm $38 t um v issions isit was copay $16,300 fo inc ments reased w r from fam ere $140il nearly 1416 perc y % $cov 6,000 ierage denti ent $ c to 2, al ,5but ac 019 0in 2020 i percen tual O n heal t. OP th pl maxim ans ums $146 of $6% 40 $160 $25 $25 $3,500 $$ 13 65 00 $3,500 $361 61% $22 $30 $150 $24 $45 $130 $25 to from 2020, 2013 $216 $4w 0 hi to 2020. le $252 $25 nomi8. nal Av 5%erage deducempl tibles oy for eeempl -onlyoy deduc ee-onl tibl yes cov among erage i HRA enrol nc $reased 3,500 from lees fel $1,055 l 4 percen to $1,349 t in real from terms 2013 to and fel $25 2020 l $45 25 – 054 26% U $21 nion $250 $22 $332 $400 $24 $24 $24 $24 60%1 60% 0.8% $6,000 $24 $24 $30 $124 13.4% 18% 18% $1,400 20% 18% $144 18% $350 18% 18% 18% $124 $1,4018% 0 $248 18% 18%$32 $144 $32 18% 18% 18% $32 $25 $200 14% $ • 1,000There $140 is little variatio $41n $308 in $41 the average annual $307 $41 rate of $chan 30 ge in OOP maximu $201 ms by type of health $140 $140 $3,50 $ $0 5 20 5 $200 $306 $34 $ $5 20 5 $126 $139 $3,500 $36 $6,000 $ $ $ 2 6 3 ,5 ,0 ,0 0 0 0 0 0 0 $37 1 1 15 5 5$24 % % % $ 12 5,5 %00 $141 $40 $23 $24 $23 $24 $1$137 ,400 $4,00 $40 0 $40 14% $360 14% $ $21 14% 1,400 14% 14% $140 $2 $5 2,000 $2,500 $239 60% $296 $23 $23 $23 $39 $23 various $7 $ ,0 20 00 types of cost-sharing arrangements $295 . We were also $ not $ 43 05 able to $2 $0 7,000 examine c $20os 0 t sharing for prescription $250 $235 $294 $250 $120 $5,000 $120 $189 $139 $33 $299 $137 $37 $2 17% ,500 17% $316 $3,000 $300 10.1% 17% $315 pr $296 $ovide 2,0 HMO/EP 00 health O plans coverage $39 increfor as $288 ed betwee by 40 n per 23 ce and $26nt,25 rismillion p ing $from 2,000 eople 10 per , depe cent nding in 2013 $22 upon to 14 the per year, cent 8% avooeraged 2 Inp –4 p atien $s 1$5,817 erc ,2 al 0aried 0t en adm t for (F and hourl ission igure emergency 27). cy opay empl ments dep oyees artmen hav (Fe been igure ts. 14). lower among $30 union mem $119 $1,20bers 0 sinc $23e 2014 $23 and were 55$285 –64$38 $3,000 $342 1 15 5% % $38 26% $136 $200 Non $3 -un ,00i0 on $2,500 $25 77% o $135 A 2.5 ge: $2percen 00 Av $134erage 25% t in nomi deduc nal tibl terms es and age . Average of enroll emplee oyee are -onl negati y deduc velyti c bl orr esel among ated — HSA olde -el r w igi ork ble ers pl an cho enroll ose $36 ees fell 2.6 $500(Figure 3) $6 $281 — ,000 a 13 and 28 percent increase, respectively. $22 $3,0$22 00 $22 $22 $22 $281 $ $ $ 3 1 4 0 2 0 0 0 $3$187 00 $ $5 2,0 ,00 000 $38 $38 $ $ $2 1 32 0 00 0 $2 $,0 3,0 00 00 $5,000 $1,000 $25 $300 $25 $25 $25 $25 $285 $128 $293 $13% 2,000 $275 13% 12% $132 $2,000 $131 $35 $ $1 24 00 0 1 1 1 1 1 1 1 1 12 5 5 5 2 5 2 5 5% % % % % % % % % plan. $1 5% 40 $5,000 $221 $273 $35 $273 $335 $5,000$3,000 $326 $21 $21 $22 $21 $333 $2$3 0 50 $37 16% 16% $ $2 30 00 $32 $130 $120 1 $1 0% 20 $35 $128 $20 $$107 $112 5,000 12% $34o Coi $24 nsurance $24 for office visits has remained flat at 19 percen $21 $34t. $21 $21 $34 $325 $20 $1,000 $ $3 20 00 $1,000 $34 $34 drugs, $3,000 as that $30 information was not included in the Benefit Plan Design Databas $122 e. Finally, this analysis excluded 5% $36 $302 15% $303 $260 $200 $3,000 15% $39 $200 $1,200 $ $21 $161 1,200 $21 $ $33 30 $0 $0$34 $5,00 $123 0 $33 $33 $33 40 percent lower in 2020 (Figure 19). $35 $118 Union $205 $20$268 23% $25 $2,500 pl percen ans w t $i5 th in real t ,000lower erms deduc and tiblfel esl. 1.1 This percen $139 is cons t $164 iin nomi stent wnal ith ec terms onomi $30 (Fic gure theory 6). , as $5,0 ol 00 der workers with more $155 $6,000 $2,5 $0 10 50 $25 $6,0 $0 20 ,500 $20 $20 $37 betwee in 2020. $100 n 2013 The and per2020 centage . $161 This of analy enrollees sis is in HSA based -on a eligible $245 $sa 100 mple $health 2,5 $245 0 $259 0 of plans 5.6 $32 to more 8.4 million than doubled $40 $160 $2,500 $150 $35 $20 $242 $ $2 40 0 $36 $2,015 00% $228 9.6% $240 $148 $298 $2 50 0% $2,500 $800 $281 $116 $31 $1,5 $0 80 00 $2,000 $210 ,5 % 00 5.8% $31 $117 $2,000 $146 Em Emp pllo oy ye ee e O On nlly y Fa Fam miilly y $152 $132 $143 o The o 0 nomi – ?2 p nal Inp erc atien O en O t P for t maxim adm primary ission um for care cemp opay phloy y ments sician ee-on wv ere lisits. y $150 cov about erage 7 perce 1av 0% eraged: nt higher in $2 02020 0 in health plans of $2 $150 00 $30$2 0 50 $4,00 $0 5,000 $131 $230 $220 $2 $100 50 $255 $30 $150 $35 $35 polic $y 15holders w $2,0$4 00,00ho 0 were $228 enrolled in their plan for $228less than a year. Ther $15 efore, $$ 22our ,0 ,0 00 00 $4resul ,000 ts do not speak to $30 $1206% o Family $Cov 15 erage: Real deductibles for family coverage i $12nc 0 reased 4% from $2,096 to $2,313 from 2013 to 2020, whi $276 le $200 1 1 10 0 0$184 % % % $200 Gender $128 1 10 0% % $250 $135 $128 10% $1,500 $142 $150 $1,500 $15 $34 $$ 24 ,5 ,0 00 0o 0 O 1 1 10 0 0O % % %P maximums for employee-only c $126 overage av $220 eraged les $110 s in union plans ($2,560 in real terms) $126 $217 10% 4% $29 $20$ 0600$209 $210 $215 $250 $4,000 $600 $215 $100 $1,0 heal 00 th chal$l2enges ,000 know they will have to use more health c $100are. $ $1 4,0 ,0O 0 00 0ver time, thes $33 e di $214 fferences in $208 $2,000 $34 $34 $2$ ,0 20 ,0 000 $20 $269 $150 • It is $15no 0 $135 t surprising that coinsurance increases have been 4% limited. $210 $20 $30 $124 $265 $208 $259 $207$121 $203 $2,000 10% $32 $263 $202 $30polic $129 betwee yholders n 2013 , depe and nding 2020 $33 on , inc the $200 $33re year, as$33 ing wh from o we 6 re per $ $ 2 1enr 5 5 ceolled nt to 13 in a per group cent health (Figu $254 re plan 2). all year. Real 4% $5,00$ 0150 $199 2 20 01 13 3 2 20 01 14 4 2 20 01 15 5 2 20 01 16 6 2 20 0 8% 1 17 7 2 20 01 18 8$5,02 2 00 0 01 19 9 $118 2 20 02 20 0 7.5% $119 $80 $1,500 $$ 15 80 0 $1,500 $199 $118$199 o Specialist $117 hourly ph empl ysician oyeesof (F fice igure visit 15). copayments have been lower among $2,000 7uni .7%on members since $1,000 $32 $287 $288 $31 $2,000 $1,0$ 04 0,000 indiv 8i.0 duals % w $4,0 ho 00 switch plans throughout the calendar year. $4,000 $194 o nomi The lnal argest deduc incti rease i bles for n fami familly y deduc coverage i tibles nc betw reased een from 2013 and $1,802 2020 oc $111 to $2,211 from curred $10among 0 2013 to enroll 2020 (Figure ees in comprehens 3) — a 10 ive and 23 $20 $15 $191Male 1 15 0$ % % 400 54% $15 Industry $400 $114 $15 $31 $280 $15 $158 $10 $190 $250 $100 $20 8% than $10in non-union plans ($3,756 in real terms) in 2020 (Figure 30). $235 $31 $31 $185 $25 $10040% deduc $ $3 10 5 tibl$es $ 14 ,5 ,0 0 0 0hav 0 e narrowed (Figures 8 –9). $100 $ $1 3 $180 5 0 $183 $2 $0 8% $ 80 1 05 $$ 22 ,0 00 00 $3,000 $$ 20 80 0 $1,000 $3,000 $108o ? 0 $3,960 –2 percfor ent comprehens for specialist ive v enroll isits ees (Figure . 12). $1,500 1 1 1 1 1 18% 8% 8% 0 0 0 0 0 0% % % % % % $1,500 $1,500 $29$1,500 $200 $100 $1,000 $259 $1,500 $106 $800 $1,500 $800 $1,500 4% $169$3,000$200 $200 $174 $200 $25 $3,000 $25 $10 2013 and $1,500 were 17 percent lower in 2020 (Figure 20). $102 dollar $10Fema amount le s are expressed in 2021 dollars 46% . $Oil 10 & gas extraction, mining 1% $80 percen plans, fol t inc low rease, ed by respec HMO/EPO, ti 5% 5% vely.HRA and HSA-eligible heal $$ 20 8th pl 0 $3 ans ,000 . Increases in family deductibles ranged from 13.4 $150 $ $1 10 50 0 $3,000 $5 o Costs $10 can be shifted to enrollees without increasing coinsurance rates. $500 $1 $4 ,0,0 $ 06 0 00 0 $1$ 05 000 $1 $164 ,0$ $4 06 00 ,000 6.0% $100 5% $1,500 10% 3% $1,500 $100$200 $100 $5 $145 ? 1Specia 0% $0 list physician visit copayments were near6% ly $147 i$1 dentic 00 al $192 in 2020 in health pl $0 ans of 3% $171 $93 $1,000 $3,000 $3,000 $$188 50 $100 $1 $219 ,000 Nominal $ $1,000 $3,000 $1,500 $1,0005% 5% 5% 6% 5% $215 $$1 205 $80 2013 2014 2015 2016 2017 2018 2019 2020 $6% 80 2013 2014 2015 2016 2017 2018 2019 2020 o OOP $3maxim ,000 ums for family coverage also averaged l Nominal es $ s in $186 M un anuf ion actur plan ing s ($3,010 in real terms) than $1 $5 60 0 $150 $50 $ $$ 1 15 0 60 0 $20 $600 $2,000 $0 $600 $0 $2,000 o 6% 6% 6% Pay percen roll $t 1Stat (r ,00eal 0 us terms : Sal ) ar and ied 15.1 perc individualent s have hi (nominal gher terms deducti ) among $bles 15 than comprehens hour $1l,0 y0 0 indiv i$0 ve pl idual an senroll (Figur ees e 10) to . 0.6 Thpercen is t (real $150 30 •% Th ?ere $3,499 is con for siderable PPO/POS varia enroll tion ees in .copayment levels $2by 0 type of health care service. 5% $150 $0 $10 $2 $10 0 $1,000 $2 $10 0 2013 2014 2015 2016 2017 2018 2019 2020 2013 2014 2015 2016 2017 2018 2019 2020 $0 $10 $2,000 $ $1 10 5 $0 2013 2014 2015 2016 2017 2018 2019 2020 $10 $0 $10 $1,000 2%Oil & Go $ a1 s,0 Ex 0Pr 0 tracimary tion, s Mal inin aried gcare $857and hourl ph $1,1y 23sician $976y $empl 1of ,11fice 6 $oy 1,14ees v 8isit $1,0 (F 8c 2 opay i$ gure 1,102 ments $16). 1,231 are nearly Oil & G aisdenti Extractic onal , M iamong ning $73 27 01 3uni $92 80 on and no 114 $8 25 04 15 $2 90 81 8n 6-$uni 1 2,0 01 37 7 on $2 10 ,0 10 83 $2 10 ,0 14 90 $ 21 0,1 20 77 $3,0 $4 00 0 1.4% $ $3 40 ,000 $2,273 $60$ $7 2,5 ,00 00 0 $2,000 $60 $500 $2,226 • Deductibles varied significantly by plan type. $2,000 $1,000 2013 2014 2015 2016 2017 $ 22 0,2 18 11 2019 2020 $150 $500 $1,0 $0 $ 05 000 $1,000 $500 2013 2014$2,18 20 015 2016 2017 2018 2019 2020 $28o Rising $0 medi 2013 cal 20 c14 osts 20 l 15 ead to 2016 enroll 2017 ees 2018 pay 2019ing 2020 more automa $ti 28cally $ ev 2,0en i 00 f coinsurance rates are $6,033 Plan Type 4% Durable goods $5,961 2% $14724% 2% 2% $169 5% 0% 0% 0% $145 $2,087 in non-union plans ($5,333 in real terms) in 2020 (Figure 30). $2,065 3.1% $5,81$35 7 $1,0 O0 il$5 & 0 Gas Extraction, Mining $3,429 $3,870 $3,832 $3,879 $3,752 $3,435 $3,830 $4,048 $50 Oil & Gas Extracti$1 on,0 , M 00 ining $2,9 $5 4,8 722$3,38 $1 5,77 $7 3,352 $3,435 $3,392 $3,183 $3,614 $$33 3,869 4% c terms orres) ponds and 2.2 $0 20 1to 3 percen s 2al 014aried 201t 5(nomi w 2orkers 016 nal 2017 terms hav 201i8ng ) 2among 0hi 19gher 2020 av HSA erage w -eligibl ages e plan enrol , $5 which mak leeses . $32 them more $33 lik$33 ely to be $32 $15 2013 2014 2015 2016 2017 2018 2019 2020 Oil & Gas Extra $31 ction, 2.9% $100 APPENDIX $500 $50 $100 $ $30 500 $0 $15$60 Manufacturing, Durable 20 20 2013 13 13 20 20 2014 14 14 20 20 2015 15 15 $60 Man 20 20 20 O $ u5 i16 16 16 fla & 0ctu G ria n $ sg 5 Ex , ,4Dura 5tra 5 cb ti20 20 20 lo en17 17 17 , 20 20 2018 18 18 20 20 2019 19 19 20 20 2020 20 20 $2,000 $37 $37 $37 $156 $2,00$ 05,385 $6,000$400 $36 $36 $400 $1,874 2% $35 $2,000 $35 $35 2% Oil & Gas Extraction, Mining $ $2 24 18 $ $2 26 40 $ $2 25 40 $ $2 25 39 $$ 22 638 $$ 22 759 $$ 22 500 $2 $8 200 $50 2013 2014 2015 2016 2017 2018 2019 2020 Oil & Gas Extraction, Min $i2 n,0 g 0$ 01,269 $1,393 $1,363 $1,979 $2,080 $2,011 $2,064 $1,569 $1 $0 40 0 Oi$ l & 10G 0 as Extraction$1 , M,00 inin0 g $$ 1$ 1 50 40 0 $1,802 $1,000 2 $0 31 83 $ 23 09 14 $2 40 115 $4 22 016 $42 2017 $46 2018$442019 $45 2020 • 5% 5% 5% 5% 5% 4% 5% 4% 4% Enrollment $in a $ 11 ,4 ,1 77 65 $$ 1health 1 ,5 ,4 91 54 $$ 11 ,5 ,4 59 91re $$ 21 ,2 ,5 imburs 33 45 $ $2 1,3 ,50 71 1 $ $2em 1,1 ,67 50 8 ent $ $2 1,1 ,98 57 2 ar $ $1 2,6 ,0ra 4 42 6 ngem $100 ent (HRA) rose $1 ,0from 10 $1,2352013 $1,304 $ 1to ,3592015 $1,420 2 $.3 1 ,5 % but 36 $1,842 $1,955 $2,000 workers (Figure 21). 2.2% $10 $100 Mini$ n5 g $0 0 Manufacturing, Durab $0 le Manufacturing, Durable Oil & Gas Extra C compr tio $0 n, M eh inien ng siv $e 28 $30 $28 $29 $29 $29 $27 $30 2% $10 Non Mdu inin rg able goods 8% Oil & Gas Exo ? tra Gc oti oCopay c o$3,630 dnons s, 0M .0i% nin tant. g ments $for 44 HRA $are 45 enroll hi $47 ghes ees $47t for . $4i7npati $50ent adm $47 $i4s 7sions ($254 [real]/ Go$243 [nom ods inal] in 2020). $0 $1 4% 0 $4,489 $0 20% O O O $5 iiilll & & & 0 G G Ga a as s s Ex Ex Extra tra trac c cti ti tio o on n n, , , M M Miiin n niiin n ng g g 2 2 20 0 0% % % 2 2 20 0 0% % % 2 2 20 1 1% % % 2 2 21 1 0% % % 2 2 20 1 0% % % 2 1 29 0 0% % % 1 2 18 9 1% % % 2 2 11 0 8% % % $1,0$ 02 00 $20 $5 $1,0 00 00 $2,000 201 $3 2,75120 $1 24 ,952 2$ 02 1,9 573 $ 23 0,2 16 73 $2 30 ,3 12 75 $3 2,6 01 68 7 $4,3 20 31 49 $4,1 23 00 20 $2,000 2013 $2 2,3 01 64 6 $2,5 27 08 15$2,602 001$ 62,89920 $1 37 ,006 $ 23 0,3 18 97 $4 2,0 01 89 9 $3,9 24 07 20 able to afford a higher-deductible plan. Manufacturing, Durable Oi$5 l & Gas Extracti$ o1 n $5 0 , Min 2i0 n1 $ g3 500 $ 22 0 15 1 .6 4 4% $2 20 71 55 $2 27 04 16 $22 70 017 $2623018 $280 2019$2122020 $209 Manu $f5 a0 c0 turin$ g$5 1 , 0 Durable 2013 2014 2015 2016 2017 2018 2019 2020 Oil & Gas Extractio 2n 0, 1M 3 inin2 g014 $8 25 015 $82 6016 $82 5017 $11 27 018 $122 8019 $142 3020$115 $113 Manufacturing, 0% 0% 0% Dura ? blPr e 5% imary care physician visit copayments were $5 nearly 2% identical $5 0in 2020 i 0 n health pl 1.2%ans of $ $4 10 00% $500 Goods $1,377 1.3% $40 $1,000 Goods 2% $50 0% 0% 0% 0 $1,349 Manufacturing, Dura $500 b 15% le o Enrol $500lees in $HSA 1,312 -eligible health plans fac$ed 1,315the highest average deductibles ($2,777 $231 $25[i 6 n real $230 terms $341 $2] 38 for $empl 299 $1oy 86 ee $1- 6onl 2 y Manufacturing, Durab$ le1,000 $3,633 $3,670 $1,680 $1,982 $2,060 $2,330 $2,485 $2,733 $2,966 $3,177 Manufacturing, Nondurable $1,954 $2,269 $2,355 $2 $ $,6 1 3,2 ,3 50 9 74 0$2,748 $2,9 14% 50 $3,143 $3,324 ManM ufa an cu tu fa ric ntg u, riNon ng14% , Dura durab blle e 2.9% Ma $n 1u ,5 fa 0c0 turing, Durable $1,237 $3,473 $1,000 $10$40 $20o 0 M M Ma a aIn n n nu u ufffa a areal terms c c ctttu u uri ri rin n ng g g, , , Dura Dura Dura 2 2 20 0 0 b b b1 1 1 llle e e 3 3 3 G G G , o o obetw o o od d ds s s een 2 2 20 0 02013 1 1 14 4 4 and 2020, 2 2 20 0 01 1 15 5 5 PPO/POS 2 2 20 0 01 1 16 6 6 enroll $40 ees $20 2 2 2w 00 0 01 1 1i7 7 7th fami $50l0y cov 2 2 20 0 01 1 18 8 8erage and 2 2 2HRA 0 0 01 1 19 9 9 2 2 20 0 02 2 20 0 0 $5 $500 20 20 2013 13 13 $ $1 3,1 ,35 86 8 20 20 2014 14 141 1 26 2 4% % % 0.8% 13% 20 20 20 1 1 19 5 9 15 15 15 % % % 2 1 10 8 520 20 20 % % % 16 16 16$5 1 1 15 9 8% % % 20 20 20 Go 17 17 17 ods $501 1 1 06 8 7% % % 13% 20 20 20 $2 18 18 18 2 1 1 1 $7 5 8 2% % % 2 $22 20 20 2019 19 19 $2 1 1 12 6 7 7% % % $23 $20 20 20 2 13% 3 1 1 1 20 20 20 6 7 713% % % % $2 13% 4 $24 Oil$ & 4o ,0 G0 a0 s Ex Av traerage fami ction, Mining ly$ 9 deduc 9 $98tibles $97 fel$l1 by 32 0.4 $142percen $154 t $1i2n 2 real $118terms and ros ComG pre oo he d es nsby ive 1.2 $946percen $809 t in nomi $861 $1,4 nal 41 terms $1,580 among $1,612$24 $8 74 $24 $2,527 CompreGoo hend sis ve $Trends 25 $25 $25 $in Cost 25 $25 $24 $2Sh 5 $25ar 0.6%ing $10for Me Transpodica r$22 tation, comm $23 l un Serv i$ catio 29 ns, $22 $29 & ice $29 $22s, $30 $22 $30 $31 $32 $33 Manufactuhas ring, Dura re ble$mained G 1,1 oo 0d 0s $3$ $ 42 96 2 $9 6 98$ 83flat $ $ 4 3 $ 2 ,$ 9 9 01 8 9 3,2 9 4 sinc 5 $9 3$ 4 $ 2 $ 1 6 1 ,6 3 ,5 27 $ 72e 3$ 43 $ $8 1 12015 6 ,7 ,44 0 $7 6 33 $2 $$ 6 11 3 ,2 ,7. 2 $ 4 7 3 04 $$ 31 2,3 3 $9 0 $ 2 2 3 74 $$ 11 9,3 $ 72 2 $ ,6 6 34 5 $ 4 $ 11 7,4 071 $21 $849 $1,099 $1,375 $1,245 $1,109 $1,207 $1,251 $1,406 $5 Com $0 prehen $s 1i,0 ve 0$ 03 $,2 0,2 4041 $2,138 $2,029 $3,335 $3,29 12% 8 $3,523 $2,994 $4,143 $5 Com Manp ure fac hte un ris niv ge , Dura $1,9 b2 le 7 Go $o 1d ,8 s67 $1,7 12% 74 $2,954 $2,982 $3,263 $2,828 $3,960 $1$1 ,0,0 5500 Goods $1,000 $98 $104 $107 $115 $122 $123 $117 $119 $ $5 20 0 $M 50 anufacturing, Nondurable $ $$0 5 20 0 Manu$0 facturing, Nondurable 2% 2% 2% Goo $0 ds Goods $0 $26 $50 Go G oo do sds 11%$0 11% 11% 11% G $25 oods $ $25 2,750 $25 $24 $24 $25 $25 $50 $0 $5 1% $0 2013 2014 2015 10% 20 10% 16 10% 2017 10% 2018 2019 2020 $0 $1,000 10%10% $50 • $W 25 e found sc al ons aried iderable $3,2and hourl 21 $3,2 8v 8 ariati $3,4y 37 empl on i $3,751n oy $3c ,8opay ees 63 $4 ,0 (F ments 12igure $3,977 by $17). 3,7 9i6ndus$try 50 and fi $25nd that copay $2ments ,769 $2,82 7for $3,0 mos 06 $3t ,32 heal 2 $3,4th 93 $3,717 $3,752 $3,628 $50 Und Und Unde e er 2 r 2 r 26 6 6 2 1 28 0 0% % % 1 1 20 8 9% % % 2 1 20 8 0% % % 2 2 11 9 1% % % 1% 2 1 20 0 8% % % 2013 20142 2 11 8 1% % % 2015 20162 2 19 1 1% % % 2017 20182 2 20 1 2% % % 2019 2020 $0 $0 Com M M M Com Com a a an n n 2u u u 0 p p p1 fffre re re a a a3 c c ch h h tttu u u e e eri ri ri n n nn n n s s siiig g g v v v2 , , , e e e0 Non Non Non 14 d d du u u 2ra ra ra 01 b b b3 2 1 2 1 llle e e 0 2 5 2 1 % % % G G G 52 o o o0 o o o1 d d d4 s s s 202 10 615 2 1 1 1 20 7 4 6 01 % % % 16 7 1 1 18 6 6% % %202 10 718 20181 1 1 2 1 1 1 5 7 4 0 8 8 7 % % % 1 % % % 2 9019 20 22 00 20 1 1 19 7 8% % % 1 2 10 7 9% % % Ma 1 1 1n 7 8 9$0 u % % % fac1 2 1 tu 9 1 7ri % % % ng, Nond1 1 1 u9 9 8 ra % % % ble 1 1 21 8 6% % % 201 2 1 13 8 9 0% % % 2014 1 1 22 4 8 20 % % % 15 1 1 20 9 9% % %2016 2012 2 2 72 0 2 1 1 1% % % 9 8 9% % % 2018 2019 2020 $5$3,00$ 01c ,0ov 00 erage in 2020). 9% ManHM uf$ aO 1 ct,0 /EPO uri 0n 0g 2, 0Non 1 9% 3 du$ ra 1b ,0 2le 0 91 14 $1,02 80 915 $852 2016 $1,337 2017$1,357201$ 81,309 201 $9 1,330 20 $2 10 ,351 $5Manu M fa ac ntu ufri an cg tu , ri Dura ng, Non ble G du ora odb sle $114 $119 $123 $129 $135 $133 $124 $124 $1,0 HM 00O $0 /EPO o ?HMThey O $1,986 G/o E oP d $s 1 O ,2 are 69 for $1l,2 ow 4HMO/EPO 6 es $9t for 74 $prim 1,510enroll ary $1,50 1c ees are $1,4 1(F 2 phy i$ gure 1,4 s1i0 cian v 28). $114% ,414isits ($25 [real] 20util 13 $0 / it$24 [nom ies Goo2 d0 s14 inal 2015] in 2020) 2016 2017 2018 201919% 2020 Manufacturi$0 ng, Non 20 d1 u3 rable 2014 2015 2016 2017 2018 2019 2020 0% 2013 2014 2015 2016 20 8% 17 2018 2019 2020 HM enroll 2O 01 /EPO 3 ees 2014 $ 1w ,39i6 th 20$ 12 empl 5,122 $ 2oy 1 0,7 16 6ee 3 $- 22 onl ,1 09 19 7y $ 1c ,9ov 0 29 018 erage $1,93120$ 12 9w ,18ere 6 2 $0 22 ,0 the 078 only enroll HM M M aa n O n u /EPO ees u fa fa cc tu tu riri n2 to n g0 g , 1 , Non 3 Non $ ex 1,2 dd uperienc 0 u ra 0 ra 2 b0 b l$ e 1 le 1 4,85$ 345e a $ 2 31 0,5 15 4$23reducti 41 $1,9 20 4 $ 1 7 3 690 $on i 1,7$ 2 2 4 6 0 9n OO 1 57 $1,7 $8 48 92 1P 0 $1 28 ,0 $6 35 87 $2 10 ,9 $ 13 8 99 67 $ 25 0 0 20 0 0% 10% 2013 2014 2015 2016 2017 2018 2019 2020 2013 2014 2015 2016 2017 2018 2019 2020 Manufacturing, Nondurable $5 $1,407 $1,582 $1,845 $2,172 $2,062 $2,166 $2,269 $2,482 Mano ufactuUnio PPO/PO rin Tra g, n Non spn od rta uv ra tios. bS n le , Non enr$oll 1- ,6Unio ees from 37 $1,8n: 12 $ Indi 2,12013 to 10vi $dual 2,453 s $2020 ( 2 ,2 in 81uni $2,3Figur ons 38 $2 ,4 hav e 05 6) $e l 2. ,59ow 7 er deducti Mbl a Tra nu es n fascpt o uthan rta ring tio , n Non , thos durablee not in unions (Figure $527 $390 $446 $558 $543 $417 $421 $523 $20 Under 220 6 13$215 2014$292 2015 $303 2016 $302 2017 $273 20$ 18 252 20 $19 259 20 $2 20 55 $20 G20 oo13 ds 2014 $920 7 15 $98 2016 $105 20 $117 17 $12 20 218 $127 2019 $122 20 $120 37 $0 201 $0 3 202 10 314 2012 4015 20152016 2016 20172017 2012 8018 202 10 919 22 00 22 00 2% $0 $0 $23 $22 $22 6%$23 $23 $25 $23 $23 26 26 26 – – –$0 34 34 34 $0 1 1 19 9 7% % % 1 2 17 9 0% % % 2 1 28 0 0% % % 2 2 18 0 0% % % Under 2 1 1 20 9 8 6 G % % % ood $ $0 s 185 $0 $2552 1 20 8 0% % % $265 $2681 2 29 0 0% % % $247 $2781 2 29 0 0% % % $245 $244 $5$20$2,0 Und Non 00e -Un r 2i6 oG HM HM Tra Tra HM Tra n o (Em on n n O O O $ d $0 s s s 2 s /EPO /EPO /EPO p p p p 5o o o lo rta rta rta yettte iiio o o Onl n n n,,,$ Co Co Co $2 2 y 5 7 )m m m$3 $ m m m 1u u u ,3 ,2 $ n n n66 2 2 iii2 1 c c c $ 9% 5 5 1 1 a a a 2% % ti ti ti 6$3 $ o o o1 n n n,6 ,5 s s s $, , , 2 78 9& Uti & Uti & Uti 5 5 $$3 $ 21 lll5 iii,8 ,6 ti ti ti $e e e 2 13 7 s s s 6 2 $4 $1 1 1 1 $ 3 3 0 $ ,1 ,3 2 % % % 2 4 02 6 6 1 1 1 49 6 5% % % $4 $1$ ,4 ,5 2$ 62 4 62 24 $4 $1 $,2 ,5 25 55 41 3 1 9 2 1 2 $ 1 4 21 0 7 2 % % % $4 $ % % % 51 $,0 ,4 24 72 35 $3 $ $1 2,5 ,7 5 8 56 4 2 2 16 0 2% % % 1 1 47 7 0% % % $20 1 2 11 9 7% % % Non 1 1 2-Un 4 1 5$0 $0 % % %ion (Em2 1 2 p0 5 0 lo% % % yee Onl $1 1 1 1,0 y 9 6 6)% % % $ 53 3 $2 0 $ ,8 1 2 2 1 94 ,3 6 1 0$ % % % 9 33 $3 2 $ ,2 113 ,4 $6 32 2 $3 1 1 15 9 5$ ,3 % % % 134 ,2 2 2 1 $1 1 4 3 0% % % 3 8 $3$ ,6 133 $ ,3 39 44 $4$ ,0 1 $ 34 1 1 2 ,4 3 8 1 8 2 1 2 7 3 % % % 1 1 5 5 $3 % % %$ ,9 1 $43 ,3 36 54 $3$ ,8 $ 142 3 ,5 814 $3,590 -2% Goods$0 $35 $36 $37 $37 $37 $40 $-3 19 .4% $40 $5 Und PP er 2 O6 /POS$22 $22 $22 $23 $22 $22 $24 $24 Manufacturing, Nondurable Goods $1,569 $1,548 $1,748 $1,693 $1,754 $1,796 $1,811 $1,700 Und PPOe /PO r 26S $1,825 $1,773 $1,999 $1,912 $1,940 $1,938 $1,919 $1,779 Under 26 Goods $0 Undec G r 2 o are 6 od Tra s $ ns 2 2 s,5 0 p ervi 1 o 23 rta 1 tioc n $es ,2 2,6 01 9 4 0are $2 2ris ,7 01 75 4ing $2 2fas ,5 01 76 8tes $2 2t ,6 01for 67 8-1.6empl % $2 2,6 01 18 1 oy $2 ees 2,6 01 49 6 in $2 2the ,5 02 60 4 wholesalU e ndand er 2 Tra 6ns $retail p 2 2 2 o ,1 0 0 rta 1 1 63 3 8 tion trade , $22 2 ,3 0 01 1 44 4 9 indus $22 2 ,4 0 02 1 16 5 5 try $2 2 2(F ,2 0 08 1 13 6 6igures $22 2 ,4 0 01 1 12 7 722$ – 22 2 ,4 0 02 1 10 8 8 $22 2 ,4 0 09 1 17 9 9 $2,4 2 20 0 52 2 00 0 CommuniPPO ca $0 ti $o 3 /PO n 7s, & S$0 Util$ iti3 e7 s$3,3 20 21 33$3 $9 3,4 20 71 44 $$ 33 2 ,6 8 00 13 5 $3 2,6 $ 03 1 57 6 0 $3 2,9 01 4$ 7 536$2 30 ,8 14 84$3 $2 8 30 ,8 18 96 $ 2 $3 0 3,6 2 60 61 Com PPOm /PO unS icatio $ G n 3s o 2,o & $d 2s ,8 Uti $0 5l7 iti$ e3 $ s2 3,0 23 04 13$$ 33 ,1 4 2 50 114$3,2 $2 3 30 2 415$3,52 60 $ 71 36 4$3,52 60 017 $$ 33 4,62 70 118$3 $,4 36 2 90 919 $ 23 04 20 UndG er 2 ood 6s $134 2 20 01 13 3 $140 2 20 01 14 4$1522 20 01 15 5 $161 2 20 01 16 6 $16 2 26 0 01 17 7 $12 2 60 0 51 18 8 $1 2 27 0 01 1 19 9 $ 2 21 0 05 2 23 0 0 Under 26 $115 2 20 0 21 1 03 3 1$ 31222 20 0 21 1 04 4 14$1332 22 0 00 1 11 5 55 $142 2 22 0 00 1 11 6 66 $15 2 22 0 0 00 1 11 7 77 $12 2 2 50 0 0 31 1 18 8 8 $2 2 1 20 0 6 01 1 1 19 9 9 $ 2 2 21 0 0 04 2 2 26 0 0 0 3% PP3% O/P 3% OS 3% $0 60% Wholesale & retail trade 6% $0 $0 $500$0 2013 20 2 10 4 13 2 20 0 $1 1 14 5 13 2 $0 1 2 1 1 0 5 2 16 $ 21 02 10 6 2017$1 23 02 17 20 $1 18 3 25 018 $1 23 02 7 10 919 $129 2 20 02 20 0$143 $0 $0 $0 $0 $0 $0 $0 $00% 0% 0% 0% 0% 0% 0% 0% 0% (Figure $0 $0 13).$3,006 $3,832 $3,765 $ 0% 3,615 $3,885 $3,668 $0% 3,637 $3,296 $0 20 $1 23 ,585 2 $0 31 ,3 447 $2 30 ,2 19 53 $32 ,2 00 11 6 $3,5 21 02 17$3,39 28 018 $3,432 201 $9 3,1502020 Und Und ee r 2 26 r 2 6 –6 34$3,859 $0 $3,862 $3,892 $4,223 $4,379 $4,323 $4,312013 3 $4,010 –2020 Under 26 $3,318 $0 $3,373 $3,404 $3,740 $3,959 $4,005 $4,070 $3,832 maxim $5,227 $207 $7 ums 2% ,0 289 0 $ 2% 1 23 5 0(F $7 2i 2% ,1 0gure 1 $ 72 4 264 2 $7 031). 1 ,3 5 $ 54 28020$7 16,2 $66 262 4017 $7,1 $2 67 27 07 18 $7$ ,5 22 0 06 7 16 9 $7 2$ 0 ,3 2 217 6 04 Transportation, 2013 2014 2015 2016 2017 2018 2019 2020 Goods 2013 2014 2015 2016 2017 2018 2019 2020 Transportation, $0 $1,000 Tran35 35 35 spo – – –rta 44 44 44tion, 1 1 16 9 82 % % % 013 2014 201 1 1 15 9 7 9% % % 2016 2017 2 1 2 10 7 9 01 % % % 8 2019 2020 1 1 28 0 9% % % 26 –34 1 1 19 9 7% % % $178 $2182 2 18 0 0% % % $231 $2481 2 19 0 8% % % $239 $2572 1 29 0 0% % % $260 $252 26 Uni Tra – C o 34 11). n om n s (Em pm orta un Wh PPO Wh PPO Wh PPO ptilThis ic o o o o o $2 at y n lll/PO /PO /PO e e e e ,i5 o s s s ea a a ns Onl S S S llle e e , & & & & U iys )Ret Ret Ret c $2 tilia a aons ti 5iiie lll s Tra Tra Tra $21% ,0 d d die e e s 5 2 1 1 $2 6 0 9 6tent % % % 5 $2,68w 8 $2 i $th 2 5,80uni 2 $1 2 2 2 $2 ons 0 7 0 ,9 % % % 4 12 2 2 30 0 1% % % $ trading 3,0$2 014 $2,98 1 2 2 4off 2 2 2 $2 7 0 01 0 2 % % % $ % % % 52,5 w 49ages $ $2 2,5 5 60 for 2 2 23 1 0% % % 2 2 10 8 0% % % benefi Com ts 2 2 23 3 2 m .% % % Uni unio 2 1 1 cn at 7 0 9 (Em % % % ionsp , & U loye2 2 2 ti e6 2 6 l Onl iti % % % esy) 2 2 18 1 0% % %$1,72 2 2 65 5 9 8% % %$2,347 $ 1 2 22 0 0 9,4 % % %52 2 2 04 6 3% % % $2,580 $2,71 2 2 23 0 1 0 2 2 2% % % 6 5 4$ % % % 2,765 $2,405 $2,446 $0 2013 2014 2015 2016 2017 2018 2019 2020 26 –HRA 34 $0 $21 $2,8 $9 21 2 $2,96 $0 22 $2,94$ 222 $3,295$22$3,245 $22 $3,294 $2$ 43,3 -1 3.1 7 %$$ 23 4,388 2013 2014 2015 2016 2017 2018 2019 2020 -2% Tra Tra nn ss pp oo rta rta tito io nn , , 2013 $175201$ 4161 20$ 11 561 20 $1 26 62 2$ 01 19 74 2 $0 11 88 8 $2 10 41 19 2020 -2 $0% 26 HRA Und –34 er 2 ?6 $ $Fr 2 1,3 ,51 2om 3 $ 33,36 $ $ 32013 to 2 1,4 ,720 0 $ 81 3 913 ,388$ $2 1,5 20 ,8 $3 62018: 2 14 ,3 2 264 $ $ 20 2 $ 1,5 3 ,4 15 ,7 0 8 This 8 2 10 20 $ $ $2 3 w 16 1 ,5 ,5 ,59 8 75 as 9 9 20 $ $ 17 3fol $ 2 ,5 1 ,5 ,4 55l 5 6ow 07 20 $18 3ed by $ ,5 $ 23 1 ,5 ,5 643 20 63 $19 3,5 HRAs $ 4 $ 2 5 1 ,4 ,5 20 53 1 20 5 , then P $0 26 Und Und PO/POS, –34 e er 2 r 26 6 $$ $ 11 4 ,9 ,3 ,4 80 9 9c 9 4 omprehens $$ $ 26 1 ,0 ,5 ,1 9 $0 20 2013 6 9 7 $2 1 1 13 ,72$ 9 $ $ 26 1 ,2 2014 20 ,2 ,5 $4 2 9 7 1 14 ,1 i2 3v 9e, 5 $ 2015 $ $ 2 $ 20 1 6 ,2 and HMO/EP 2,3 ,5 ,3 2 15 1 1 1 62 3 22016 $ $20 1 2 $ $,8 ,3 1 6 16 ,4 ,5 1 44 6 6 2 2017 9 7$120 ,9 $2 $ $ 5 17 ,3 1 6 02018 ,6 ,3 O 63 6 4 $0 0. 1,8 20 4 $ 18 9 2 2019 $ $,4 7 1,0 ,4 $ 02 2 8 4,2 2 6 20 86 2020 19 $2 $ $ $ ,3 1 6 2,4 ,9 4 ,4 3 9 6 20 13 7 820 0% 26 N Tra on –34 n -U sp no ion rta HRA (Emp tio $n 3,6loyee O$ nl 3 0% y 7) $1,39$ 238 $1,733 $ $3 18 ,801 $1$ ,6 30 60 $1,68 $5 35$1,641$3 $7 1,732 $$ 13 ,6 558 N 26 HRA on Com –-U 34n pion reh Tra (Emp ens n $is 3 vp le 1 oy orta eet O ion nl ,$y3 )2 $1,197$3$ 31,514 $ $1 3,5 3 75 $1,4 $3 13 7 $1,52 $3 33 $1,520$3 $5 1,634 $ $1 3,5 485 Wh Tra Com Com 2 2 o n 0 0 ls e 1 1 p p p s 3 3 re re o arta lh e he & e 2 tn n i0 o s s 1 Ret n ii3 v v ,2 2 e e 0 0 2 2 2 2 2 2 2 2 2 a1 1 0 0 0 0 0 0 0 0 0 il4 4 1 1 1 1 1 1 1 1 1 Tra 3 3 3 3 3 3 3 3 3 $ $2 3 2d 0 1 7e 14$ 2 24 0 $2 0,1 $ 1 1 $ $ 1 5 ,0 5 7 3 2 ,9 8 11 2 3 80 08 1 $5 4 $2 $ ,3 2 2 2 ,5 4 $ 2 2 2 2 2 2 2 2 2 $ ,1 0 0 3 13 3 0 0 0 0 0 0 0 0 0 2 1 1 0 3 1 1 1 1 1 1 1 1 1 7 6 6 2 2 4 4 4 4 4 4 4 4 4 $0 $2 41 $ ,0 6 2 ,7 1 ,2 00 3 $ $ 4 3 2 2 2 1 2 0 8 0 $1 1 $2 4 $ 2 7 7 ,6 1 0 ,0 ,7 1 448 7 4 0$ $ 03 2$ 1 7 $2 4 $ 2 2 2 2 2 2 2 2 2 2 2 ,7 1 0 0 ,1 0 0 0 0 0 0 0 0 0 ,7 1 1 2 2 1 1 1 1 1 1 1 1 1 57 8 8 0 5 4 5 5 5 5 5 5 5 5 51 9$ 8 $$ 3 2 $1 $ 4 0 71 ,5 ,9 ,8 2 2 2 96 3 8 0 0 2 61 1 09 9 $ 1 $ $ $2 $3 9 3 2 1,9 6 9 ,4 ,99 23 82 5 2 2 2 2 2 2 2 2 2 2 2 2 $ $2 $ 0 0 0 0 0 0 0 0 0 0 0 $ $ 0 3 1 2 2 1 1 1 1 1 1 1 1 1 2 3 3 ,7 ,5 ,9 0 0 6 6 6 6 6 6 6 6 6 9 0 09 30 28 1 Wh Com Com 2 2 2 2 2 2 2 2 2 2 2 2 0 2 2 2 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 o 1 1 1 1 1 1 1 1 1 1 3 1 1 1 3 lp p 7 7 7 7 7 7 7 7 7 3 e3 3 3 re re sa h hle e e & n ns s2 ii2 Ret v v 2 0 0 e e 2 2 2 0 1 1 0 0 0 1 4 4 a 1 1 1 4 $ i4 4 4 l3 Tra $ $ ,5 2 2 $ 9 7 3 9 d 2 2 8 e 0 2 2 2 2 2 2 2 2 2 21 0 0 0 0 0 0 0 0 0 $ 2 05 2 2 2 1 1 1 1 1 1 1 1 1 3 0 10 0 0 8 8 8 8 8 8 8 8 8 ,7 1 5$ 1 1 1 $ $ 5 9 $ 1 5 5 5 2 2 3 1 ,6 4 924 0 2 $ 1 0 31 2 ,5 $ 6 0 2 1 1 2 2 2 1 $ $ 0 ,8 0 $ 0 0 0 6 1 2 2 1 1 1 1 3 9 4 6 2 6 6 6 6 $2 4 2,1 $ 01 1 1 2 2 2 2 2 2 2 2 2 ,9 7 3 2 0 0 0 0 0 0 0 0 0$ $ 6 $ 0 1 1 1 1 1 1 1 1 1 2 2 2 0 1 1 2 2 2 9 9 9 9 9 9 9 9 9 $ 0 5 8 1 7 0 0 0 4 1 6 1 1 1 $ ,2 7 7 7 7 1 2 7 ,5 0 21 08 5 $ $ $ $ 2 2 2 1 4 0 $ 5 8 1 ,1 1 2 1 9 2 2 28 0 9 ,5 0 0 01 4 1 1 1 8 2 8 8 8 8 1 0$ 1$ $ $ 3 9 $ 1 2 2 2 2 2 2 2 2 2 2 2 ,7 1 1 5 8 0 0 0 0 0 0 0 0 0 2 ,7 7 5 2 2 2 2 2 2 2 2 2 0 1 0 0 0 0 0 0 0 0 0 0 1 2 1 2 2 2 9 0 0 0 0 2 $1 1 1 1 0 $ 39 $ 9 9 9 2 1 ,6 $ $1 0 ,8 2 33 2 7 4 7 0 33 20$ 21 2 2 2 2 0,8 $ 0 0 0 0 $ $1 2 2 2 2 3 2 3 3 0 0 0 0 6 9 84 Com 26 2 – 0 p34 1 re 3h 2e 0n 1s 3iv$ e2 10 31 84 2014 $14 2 $2 0 21 0 2 5 4 015$$ 11 58 0 24 01 26 01 $6 $ 11 85 48 20$ 2 10 2 71 9 $7 6 164 $2 20 1 21 4 08 $ 11 86$ 320322 00 $ 11 1 9 $9 6 18 49 2 2 $ 0 0 1 2 2 5 0 0 1 26 –34 $119 $124 $131 $140 $148 $151 $158 $144 o In 2020, 2013$1the 142014 O $1O 372P 015maxim $1392016 $um 131201w 7 $as 132 2 0 hi 18ghes $124 201t for 9 $131 20c 2omprehens 0 $140 ive enrol Communliees cation 2s 0,and l 1 & 3Utilitie 2 ow s 014$ es 2 $ 21t 32 0for 01 $5 2$ 21HMO/EPO 38 2 $0 21 2 $ 6139 $2 23 0 $1 17 45$23$ 21 04 10 8 $24 $12 60 0 $1 29 4 $15$ 9 22 04 20$133 $0 -0.4% 0% Communica Com tions p,re & hUti enls iti iv ee s $677 $764 $789 $724 $863 $744 $462 $1,289 26 –34 25).$3,438 $3,6 $2 16 2 $ $3 2,6 5 88 $25 $4,00$ 326 $4,1 $2 75 0 $ $2 46 ,110 $26 $4,05$ 525 $3,750 26 –34 $2,956 $3,155 20$ 13 3,2252014$3,5 20 45 15 $ 20 3,7 16 70 2017 $3,808 2018 $3,8 20 219 7 20 $320 ,584 $0 $0M Com Com 26 ale – m 34 (Em p 35 re un – hHRA ip 44 c ela n oti s y$ o ie v5 n e e ,2 s Onl , & 7$ 22 y Uti 0 )5li$ tie 6$ s ,3 $3 3 6 $ ,1 9 9 28 38 4 $ $ $6 3 3,5 ,4 5$ 0 62 9 3 50$ $3 3 $5 ,4 6,7 9$ 5 82 27 $0 $ 33 9,7 $4 64 ,6 $2 $ 29 $ 3 53 7 3,94$ 66$ ,5 $ 3 $ 2 9 9 3 5 8,9 933$ $4 6$ 0 $ ,6 3 29 ,9 78 1 6211% $3$ $ 96 3$ ,3 ,6 27 6 54 4 8 $0 $0 MaleFi (Em nap nce loye,e i Onl nsu yr)ance, $2,7 rea 41l $ estat 3 $3 3,0e 25 $31$3,05 $7 31 $3,3 $3 15 6 $3 $,5 34 67 $ $3 36 ,644 $14% 3 $8 3,738$37$3,501 Communications, & Utili$ ti7 e8 s7 $875 $9 20 02 13 $817 $9520 4 14$803 $490 20$ 15 1,349 20 $016 2017 2018 2019 2020 $0 Tra $0n 0% sp O S o $0 $0 a irta l & lartiie G odn a (,s E Co Ex mpm tra loy m c eu ti en o On in c, a ly M ti)o in nis n,g $6,661 $7,727 $7,650 $7,538 $7,509 $6,832 $6,359 $6,278 $0 Com Com m m uun nic ic aat tio io nns s, & , & U Utiti liti liti ee ss 35 Non –44 -Unio45 45 45 Fi Fi HRA HRA Fi HRA n (Fa n n n – – – a a a$ 54 54 54 n n n2 m c c c5 e e e il, , , y) IIIn n ns s su u ura ra ra $n n n 2 $c c c 5 1e e e ,1 1 1 6 , , , 4 8 9 6 $ Re Re Re 3 % % % 5,7 a a a9 lll1 1 1 Es Es Es $ $ 9 8 8 8 1 2% % % ,6 ta ta ta 8 $2 6 te te te 4,577$1 $$ ,2 86 5 5,6 21 1 1 59 7 9 4% % % $1 $2 2 2 ,6 $ 61 0 0 ,5 9 2 % % % 5 5 61 1 1 48 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ti O tesnly In )pa $ti 3e ,3 n0 t 6 Adm $3 is ,5 s4 io 8n $3,6 Pri 1m 7ary $4 Ca ,02re 9 Ph $4 y,1 si2 ci3 an$3,9 Sp 13 eci$ a3 lis ,6 t 8 Ph 4 ys $i3 c,5 ia0 n0 Sal S ari aCom la erd ied (Em m (E um n pl $2 ip c oy loy a 2ti ee e oe n O s On $ ,n & 3ly l,5 y$2 )Uti )18 2 $ $ li1 ti 2,e ,8 4s 1 $ 4 2 3 3 ,50 $2 $$ 2 13 ,2 5,0 93 9 $9 3,5 $1 $ 9,$2 3 1 62 ,1 3 064 $$ 31 ,8 $ ,5 1 3 06 ,5 1 $2 62 8$ $ 13 ,$ 6 ,9 3 05 6 ,7 12$2 8 $1 2 $ ,5 $ 3 53 ,9 0,6 52 9$ 61$2 ,7$ $ 3 34 4 3,0 ,44 7 $9 6 1,72 $2 $ 6 $ 34 4 ,3 ,0 48 55 M HSA El ale (Em igp iblo leyee Onl $4y ,0 ) 92 $$ 14 ,2 ,0 01 70 $1 $,5 4,1 40 06 $1 $,6 4,3 39 09 $1$ ,4 40 ,3 270$1$ ,4 46 ,2 173$1,3 $4 9 ,2 792$1,4 $4 7,2 074$1,507 Male (Employee Only) $1,038 $1,345 $1,434 $1,241 $1,321 $1,294 $1,387 $1,440 Uni 35 26 – – o44 n 34 (Empl$ o $y 2 1e ,1 ,3 e7 8 Onl 7 9 y)$ $2 1,2 ,65 43 0$15$ 1 $2 1,4 ,64 9 $ 1 2 158 $ $2 1,4 ,4 $3 1 30 5 89 $ $2 $ 1 ,4 ,5 16 9 1 4 9 4 $ $ $ 2 1 1 ,4 5 ,4 5 81 32 $1 $$ 7 21 3 ,4 ,4 67 91$16$ 9 $ 21 ,3 ,4 57 4 $9 139 35 Uni 26 26 – – – o 44 34 34 n (Empl$ o $ $ 1 y 1 4 ,8 e ,5 ,1 e 73 9 Onl 24 2 y)$$ $ 11 5 ,9 ,5 ,4 63 6 82 3 $$ $ 21 5 ,1 ,6 ,4 37 9 52 9 $$ $ 26 1 ,1 ,0 ,2 57 0 27 4 $2 $ $,2 5 1,9 ,3 59 6 99 3 $2 $ $,3 6 1,1 ,3 00 0 13 9 $2 $ $,3 6 1,3 ,3 29 2 80 8 $2 $ $,2 1 6,4 ,0 50 1 92 4 35 Fi HM – HM n44 an O O c/EPO /EPO e, Insu $ran 36 ce, Real $37 $547$38$826 $3 $8 980 $$ 83 16 8 $90$ 736 $933 $3$ 8943 $ $9 35 68 35 HM Fi HM HM n –an O O 44 O /EPO /EPO ce, /EPO Insuran $31ce, Re $109 al$32 $$1 4727 0 $33 $7$1 2129 $$ 38 35$1 7 40 $7 $2 34 3 $135$ -2 8.5 20 $ % 3 $1 3 32 $865 $$1 35 $ 40 889 $1 $ $3 9 33 4 16 235 01 – 344 2$ 01 13 44 $ $3 26 4$2 10 31 95 $ $4 21 5 $14 26 01 $ $6 4 21 7 $1552 $ $0 4 21 2 67 $16$ $ 23 23 3 2018$16 $ $1 3 26 2 201 $9 1$ $ 63 2 66 1 2$ 0$ $ 1 23 2 5 01 0 1 Em 35 e – rg 44 ency De$ p1 a1 rtm 5 e$ $ n3 2 t1 1 $1 In 2p 2a$ $ ti3 2 e2 6 nt Ad $12 m 8is $ $s 3 2i3 5 on $13Pri 7 $ $2 3 m 3 8ary Ca $14re $ $ 72 3 Ph 0 0 ysi$ c1 ia 5 $ $ n 0 2 30 3 Spe $c 1 $ $ i5 a 3 26 l0 4 ist Phy$ s$ $ 1 ic 3 1 4 ia 0 9 4n -4% HM HMO 2 O 0 2 /EPO /EPO 1 03 13 Eme $2rge ,0 20 2 31 0 n 4 $4 1 c 14 y 2 Depa 6 $2,71 2 rtm 0 $ 2 01 0 1e 4 1 5nt 6 $ 52,658 $2 12 0 40 $ 1 81 3 66 ,944$15 In 2 $ 8 2 p 0 30 at 1 ,6 1 7 i2 7 en 3$t Ad 15$ 03 m 2 ,3 2 i0 s 0 8 1 s 1 9 i8 on 8 $14 $2 3,68 2 20 0 0$ 1 11 9 94 $8 3,5992 $ 20 1 02 4 20 2 0 2 Wh 2 HM 00 11 3 oO 3 le/EPO sale Em & 22 e Ret 0 $ 0 rge 1 1 1 4 ,7 4 an i4 lc 9 Tra y Dep de $ 2 22 0 a 0,3 1 rtm 15 5 67 ent $22 2 ,3 0 02 1 15 6 6 $3,42 2 90 In 0 31 1 p 7 7 ati$ en 3,2 t Ad 72 5 2 m 00 1 i1 s 88 s $i3 on ,13922 00 1$ 1 93 9,476 20 2 $2 0 30 2 ,4 040 -2.6% HMO/EPO $448 $250 $5$ 72 478 $6 $4 72 82 $$7 3734 1 $4$7 3345 $44$7 7 06$464$705 $751 & Utilities 0% Wh 2 O 0 o il1 & le 3sG ala es & Ex Ret 2 tra 0a 1 ci4 ti l o Tra n, d M eini2 n0 g1 $5 2,4$ 15 2,72 $7 2 2,5 0$ 1 4 6 6 1 ,74$ 92,7 $6 52 ,6 709 10 $ 72,6 $6 9,6 176 $ 22 0 $ ,7 1 68 7 ,7 589$2 $,8 6,3 2 70 5 01 09$2 $,9 6,0 72 002 $0 $ 22 6 ,9 0 ,0 00 30 35 Wh 20 – 1o 44 2 3l0 e1 sa 3le & $2 3 Ret 0 ,2 12 Com 2 4 a 0 8 i1 l Tra 4pre $ d3 h e2 ,5 e0 n 4 1 s 2 4 5 i0 v $1 e 25 ,8$ 03 5,6 2$ 0 02 5 1 2,9 6 01 16 0$3$ ,8 Em Em 39 ,1 2 0p p 0 52 ll1 2 o o 0 7 y y 1e e $ $ 7e e 3 4 ,0 HM ,0 O O3 n n 58 ll3 O y y 2/EPO 0 $ 21 3 08 ,0 1 $8 4 7,0 014 $32 ,1 0 20 1 0 $ 2 9 1 39 ,9 $3 34 ,150 22 0 $0 2 $ 32 0 3 ,6 0 ,0 43 37 PPO/POS 35 2 – 044 13 $2 2,7 01 74 5 $3,0 20 HRA 91 55 $3Fa Fa ,1 25 m m 02 1 iill6 y y $3,44 25 017 HSA-Eli $3,664 2g 0i1 b8 le$ He 3,7 a1 lth 92 Pl 01 a9 n $3,712 202$ 03,482 WhoFe lHM e 35 s m a – O a le 44 l45 /EPO e & (Em –Ret 54p a$ lio l5 y Tra ,3 ee 0$ d O 4 $ 1 e Com 5 8 n2 8 ly 1) $p 6re $ ,2 3 h 3 $ $ $ ,2 e 0 2 6 2 n 1 $ 1 5 9 s 1 2 1 4 1 iv ,0 e $ 9 $6 4 3,2 Non $ ,4 $ Sa Sa 5 Sa $ HM 4 Non $ 7 9 4 2 3 2 6 l9 l7 a -Un l2 a ,1 9 a O ri 7 ri ri -Un 6 e e $ /EPO HM e 6 id d 3 o $ d $,5 n 6 i5 o $ $ O ,5 5 9 n 8 2 $ /EPO 1 6 5 2 ,2 2 4 9 5 13 $ 8Ho Ho 3 $ Ho ,8 Uni 4 $ $ u $ u 1 1 3 u 6 PPO Un rl 8 rl 9 ,9 7 rl ,4 o y 2 y $ y n 1 5 i4 2 o 1 5 $ 3 n /PO 4 $ 7 PPO ,0 4 $7 2 0 S $ 9 ,0 $ 9 7 /PO 6 6 6,4 $ 2 8$ 2 5 $ S 3 3 2 $ 4 ,9 8 2 80 ,0 3 $9 7 0 $ 4 7 6 7 $ $ ,4 $ 3 $ 2 4 HRA 5 ,7 2 6 9 1 ,2 6 9 2$ 4 07 28$ $ 5$ 6 3$ 1 ,0 ,5 Non Non Non 2 ,9 Sa Sa Sa 4 9 5M M M 3 5 9 56 llla a a -Un -Un -Un a a alllri ri ri e e ee e eiiid d d o o on n n Fe Fe FeHou Hou Hou m m mUni Uni Uni a a a Fe llle e e rl rl rlm o o o y y yn n n ale (Em Com plop yre ee h O enn sliy v)e $2HM ,7 $6 11 O ,8/EPO HM 00 $ Sa Non Non 3 O Sa Sa $ ,0 l/EPO a 15 ri ll,8 -Un -Un a a 6 eri ri 9 de e 2 iid d o o $n n 3 $PPO ,1 1,9 44 4Hou /PO 0PPO Hou Hou $ $ Uni Uni S rl 3 1y ,3 ,6 /PO rl rlo o y y 9 9 n n 8 2S $$ 13 ,8 ,6 72 05 HRA $1$ ,8 35 ,6 922$2,0 $3 7,5 8 8$ 01,8$ 53 0,440 M Ho a 2u n E 0 ru 1 lme yf3 a (E crtm u ge p riloy n nc ge , 2 y e Dura 0 Depa On 14lyb )le rtme $1 2n ,0 1t1 45 8 $1,40 27 016 $1,517 20 O 1 $ff 1 7,ic 3e 74 Visit $ 21 0,1 4Empl 3 88 $1,4 2oy 3 0 21 O9 ff ee ic $e 1 Vi ,4Benefit Res 7s 1i2 t02$ 01,501 ear Wh 2c 2 0h 0 1 o1 3 le 3Insti sale & Ret tute 22 00 11 a 44 il Trade 2 20 01 15 5 2 20 01 16 6 2 20 01 17 7 2 20 01 18 8 22 00 11 99 22 00 22 00 Unioenr n (F ?aoll 55 55 55 Se HSA El HSA El Se HSA El Se mi – – – lrv rv rv yIn 64 64 64 ees. )iiic c ce e eiiis s s g g g 2019, iiib b bllle e e compr 18 ehensi % ve plans 19% had the 19 low % est deducti 19%bles 45 Wh –, 54 oand lUni esa ole n & (F 19 $HMO 1 Ret a% 6 m 2ia lyil) Tra /EPOs $ d1 e84 $1 $ 20 51 $had 5 1 % 0 98$1$ 7the sec 178 $2 $2 14 7 $151 19 ond low $1 $ % 6 2$ 11 483$20$ $2est. 21 21 1 $2720 $2% 2 $1 $ 22 57 1 $24$ 23$ 424 $3 250 -4% 45 – Fi 54 nance, In$ s2 u5 rance, Re $2 a5 l 1 1 16 7 9 $% % % 3,03 1 1 1 $ 0 5 5 5 2% % % 6$4,692 $$ 24 5,51 1 1 59 7 9 0% % %$1 1 1 4 $ 6 6 6 ,9 2 % % % 4 22 2 1 20 1 9% % % $5,0$ 92 04 $1 1 1 59 7 9 ,0 % % % 11 1 1 0 2 2 1 $ 7 7 81 8 1 2 % % % $ % % % 53,954 $ $3 2,0 5 102 1 11 2 2 1 9 89 1 2 % % % % % % 1 1 17 7 6% % % -4% FiH na o 2 2 1u n 9 0 1rc % % % ly 1 1 1 e 9 7 9 , (E % % % I1 1 1 n m 8 8 8 sp % % % u loy rae ne c e On , Re ly 2 2 1)8 1 0 a% % % l 1 1 19 9 71 1 1 % % % 9 8 8% % %$2,62 1 2 01 9 3 6% % %$4,098 2 1 1$ 1 1 1 9 0 83 9 9 9 % % % ,9 % % %72 1 2 91 9 0% % % $4,359 $4,62 2 1 0 1 1 19 0 0 1 8 8 9 2 2 2 % % % % % % 2 1 0$ % % % 4,642 $3,731 $2,876 Whole Hou salerl & y (Em Ret HSA Es a piltlo a Tra - y te el eeidg Onl eibly e ) he $1$ al 83t ,4 h 1pl 5 $1 an 9 $3,61$ 520$3,74 $7 18$3,77 $2 22 $4,1$ 42 19 $4,0 $9 29 9 $3,9 $3 95 7 13% $3,804 45 Hou –54 rlS Wh yerv (Em ole Es ices s pa lto $ a le y 2 te & e 2e Onl Reta yi) l Tra $22 $ d $987 2 e,936$$ $ 3$ 2 1 73 ,3 2,1 29 57 $4 $0 1 $,$ 3 32 2 ,2 2 77 $7 3$ 81$ ,23 1,3 7 $ $2 4 32 0 8 $1,$ 23 3$ 0 ,7 44 5 $ 4 $ 21 2 ,3 $ 2 $ 3 74 ,7 99$ 81$ ,3 2$ $ 8 29% 35 8 30 ,77 $1 1,4 $3 5 $ $ 50 2 34 ,635 WholFe esm ale a & le (Em Reta pillo Tra yee d O e nly) $ $4 13 ,250 $$ 41 6,459 $4 $3 1,499 $4$ 31,275$5$ 01,340 $52 $1,26$ 453$1,30 $0 52 $1,299 Female (Employee Only) $1,074 $1,274 $1,311 $O 1,1 ffi2 ce 9 Vis $i1 t ,211 $1,171 Off$ ic 1e ,2 Vi 27 sit $1,242 45 35 – –54 44 $1,305 $1,568 $1,630 $1,392 $1,459 $1,384 $1,436 $1,447 45 35 – – 54 44 $1,122 $1,369 $1,425 $1,233 $1,319 $1,282 $1,355 $1,383 45 Non –54 -Un Com ion (Fam p$ re 2,0 he i6 ln y 1s ) ive $2,119$$ 24 ,3 HM ,5 $ 27 2 16 ,3 O$ /EPO 5$ 2 75 ,5 ,4 46 82 $2 $ ,3 $ 25 ,6 6,4 1 78 09 $ $ $ 2 PPO 2 5 ,8 ,3 ,2 1 8 7 7 9 /PO 9 $$ 2 S 5 ,9 $,1 2 6,3 9 24 83 $$ 26 ,9 ,2 4$ 1 52 4,3 $$ 9 25 HRA 3 ,9 ,6 24 40$$ 2$ 2 ,2 4 ,7 8 ,7 2 06 59 N 35 45 on PPO – –-U 54 44n /PO ion S (Fam $$ 14 ,7 ,5 7 il6 2 y0 ) $1 $1 $ 11 5 ,8 ,4 54 12 $1 $,9 11 $ 9$ 4 2 55 ,0 ,4 6 $5 2 29 ,2 $1 22 6$ 2$ 25 $ ,0 ,8 29 ,3 0 1$ 4 31 535$ $2 $ 2,1 5 ,4 ,8 6 90 3 $ 45 14$ 72 $,6 2 $,2 7 58 ,9 0 $8 7 19 $ 52 2,7$ 22 $ 9,2 6$ ,0 5 $ 1 8 8 2 67 ,7 0 59 $2 $,1 $ 5 $2 ,7 1 7,6 4 9 74 0 85 PP PPO O/PO /POS S $35 $ $3 25 $ 636 $ $3 2 $6 5 3$ ,6 30 70 $ $ $3 3 2,5 7 66$ 237 $3$ $ ,6 3 21 6 66 $ $3 46 ,3 $ $5 3 24 6 5 $4,5 $3 05 $ $ 33 24 4 $4,48$ 33 $ $7 $ 3 24 6 5,065 $ $ $ $ 3 3 3 2 ,4 5 5 541 PP PPO O/PO /POS S $30 $ $3 20 2 $32 $ $ $3 2 3,0 1 295$3$ 33$ $ ,1 3 21 3 21 $ $3 3,1 3$ $ 63 2 33 2 $3,8 $3 52 6 $ $2 33 3 $4,07$ 13$ $ 2 $ 2 34 3 2,154 $ $$ $ 3 32 3 5 ,8 4 436 $3$ ,2 $ $3 3 2 8 3 3 4 9 PPO PPO 45 – /PO /PO 54 S S $129 $135 $Non 143-Union $153 Uni $1 o6 n0 $159 $163 $149 45PPO Com –54 /PO preh S en $s 1i1 ve 1 $118HMONon /EPO $12-Un 5 ion $135 Uni PPO o$ n1 /PO 45 S $148 $1 HRA 54 $143 $5,883 $129 $6,005 $130 $6,041 $14$ 06,139$15$ 26,149$16$ 36,273$16 $4 6,383$16 $9 5,265$151 Finance, Insura $5 n,0 ce 5, 8Rea$ l 5,245 $5,283 $5,437 $5,559 $5,810 $6,030 $5,032 Finance, Ins PPO uran /PO ce, S Real $819 $1,030 $1,069 $912 $990 $914 $984 $998 WholFi es na aln ec & e, Ret IG nPri s o a u o ira lm d Tra s n ac ry e d Ca , eRe re a Ph l ysic $i1 a7 n5 Offic$ e2 Vi 04 sit $17Sp 2 ecia $l2 is 0t 7Phys$ ic 2i3 a3 n Offi$ c2 e3 Vi 8sit $257 $261 Manufacturi Pri ngm , Dura ary Ca ble re G Po ho yd ss icia $n 3 ,9 O3 ff4 ice$ V 4,7 isi7 t 1 $4,8 Sp 0e 1cia $l4 is ,6 t 7 Ph 5 ys $i4 c,6 ia9 n5 Offi $5 c,7 e Vi 57sit$5,321 $4,558 M 45 PPO 45 a S – la e – 54 l a 54 (Fa /PO riedm S (Fami ily$ )Es 3,1 lyt)1 a9 te $3,4 $ $5 5 29 ,3 ,56 78 1 $3 $$ ,5 62 ,3 1 ,77 5 91 7 $$ 6 $3 ,2 2,7 ,8 85 4 18 9 $6 $,4 $ 23 ,4 9,9 9 80 24 $-6 4$ ,4 .0 33 ,% $ 03 3 8,8 6 $ 86 7,5 $24 ,9 38 $0 3$ ,8 63 ,4 $ 83 9,5 027$ $3 6,6 ,3 $2 3 24 3 ,826 M 45 al – e54 (Fam Es ilyt)$ a2 te ,682 $3$ ,0 42 ,6 109 $ $3 5,0 ,57 46 8 $5 $,4 3,3 93 28 $5,7 $1 31 ,548 $5,81$ 63,6$ 06 1,062 $3$ ,6 62 ,1 229 $ $3 6,4 ,06 53 2 Finance, In 55 su –ra 64 nc$ e5 , ,3 Re 0$ 8 a $ 1 l9 65 22$6,2$5 $ 11 1 ,1 87 69$6$ ,1 M 1 $ 0 ,2 al 1 79 2 e6 2 $$ 61 ,4 ,0 $ 22 2 1 Fe 3 92mal $ $1 e 6,0 ,3 $9 3 26 9 18 $$ 96 8,4 $ 72 11 51$1,0 $6 4$ ,3 328 50 4 $1,0$ 46 4$ ,0 27 44 0 MM ala ele Fe Fe mm ala ele Fi Fi nn aan ncc ee, , I I nns suu ra ran ncc ee, , Re Re aal l $159 M M aa $ le l1 e00 $Fe 2Fe 10 m m aa le le $201 $201 $201 $200 Inpatient Admission 16% 17% 17% 18% 55 S – a64 laried (Fami 17 $1 ly % 4)0 $1$ 62 2,216 18 $ $2 1 % ,7 44 23 $2,4 $9 21 06 $2,6 19 39 $ % 19$7 2,790 $$1 29 ,7 561 19 $% 2$ ,8 25 3 69 $2,70$ 1230 Financ 55 e, –In 64 surance, $Re 26al $26 $26 $25 $24 $24 $24 $24 $2,762 $2,782 $2,867 $3,130 $3,320 $3,336 $3,341 $2,806 Finan M Sal c Se a el, ari e rv I n (Fa ic e se d us ra m (Fam n ily c)e, ily Re ) al $5 $ ,8 3$ ,2 79 8 1 82 4Non Sa $6 $,3 $ l3 a1 -Un ,1 4 ri,1 4 e 8d 8 5 io 2 $n 6 $$ ,5 31 ,2 6 ,2 1 75 9 Ho 9$Uni 6 u $$ ,6 rl 31 y ,5 8 o ,3 0 n 31 43$6 $ $,8 3 1,6 ,4 24 7 7 2 2 22 0 0 0 0$ 1 1 1$ 6 3 3 3 $3 ,2 1,6 ,4 80 8 4 2 2 20 9 0 0 01 1 1 $$ 4 4 4 5 $3 ,7 1,5 ,5 54 0 7 2 2 21 3 0 0 01 1 1 $$ 5 5 5 $ 52 1 ,4 ,9 ,5 63 6 2 2 2 26 6 0 0 01 1 16 6 6 2 2 20 0 01 1 17 7 7 55 M Sal 2 2 2 Se 0 0 0 a –1 1 1 lari 64 rv e8 8 8 Fi i(Fa e cn d ean sm (Fam 2 2 2c 0 0 0 ile, 1 1 1 y) 9 9 9 $ Ii2 ns ly2 )u2 2 2 ran 0 0 02 2 20 0 0 ce,$ Re 22 $ al 5,0$ 58 446 $Non $ 25 Sa 3$ ,5 1 -Un l4 a ,0 1 ri3 e i3 o d$ n$ 5 $2 ,7 12 ,1 38 01Hou $ Uni $ 51 ,9 $ rl ,1 o2 y 1 n 6 2 63 $ $1 6,3 ,12 7$ 9 022$$ 15 ,3 ,8 42 37$$ 21 $ 3,4 5,4 84 26$1$ $ ,4 2 59 3 ,2 620 $2 $,0 18 85 2 $2 $,1 11 84 3 $$ 22 ,4 42 13 $ $2 2,4 27 43 $ $2 2,4 22 87 $ $2 21 ,4 691 $$ 22 1,5 220 $2,455 $1,790 $1,907 $2,119 $2,164 $2,249 $2,308 $2,378 $2,346 Uni 55 45 – – o64 n 54 (Famil$ y $1 )1,8 ,11 94 1 $ $1 1,7 ,47 92 3 $1,2$ 3 $2 2 1,0 ,5 $ 5 M 8 1 3 2 al ,3e 39$ $2 1 $ ,1 ,3 1,5 4 46 4 4 Fe 2 m $ $ al $ 1 2 1 e ,5 ,1 ,3 7 8 9 1 0 0 $1,6 $$ 2 2 1 ,2 7 ,3 03 5 $ 21,74$ 4 $ 21 ,2 ,3 $1 1 9 4 ,6 263 $$ $ 21 1 ,1 ,4 ,7 51 0 51 4 55 Uni 45 45 – – – o 64 54 54 n (FamEs i$ ly $ $ 1) t1 4 ,5 a,0 ,5 te 56 2 94 4 $$ $ 11 5 ,5 ,3 ,4 40 6 80 4 $1,0$ 5 $$ $ 1 9 11 5 ,7 3,3 ,3 0 9 $4 8 M 6 1 M 1 4 ,1 al a$ 7 e le 1 0$ 2$ $ 1 51 5 $ ,9 ,1 ,6 10 ,3 9 8 1$ 6 0 4 Fe Fe 1 95m 2 m $ $ al a 1 $ $ 1e l,9 1 5 ,3 e,2 ,7 $ 7 91 1 3 5 15 1 70$1 $,4 2 $ $ $,0 7 5 1 11 ,9 ,2 6 41 3 3 44 4 $1,6 $$ 1 12 $ $ 6 5,0 1 6 9,0 ,3 8 $9 1 2 10 3 ,5 $6 15 9 $7 2 $ $,0 $ 5 11 ,3 ,8 6,6 0 $ 4 01 2 8 57 95 55HRA – HRA 64 $34 $36 $37 $36 $35 $34 $36 $34 55 HRA HRA HRA –64 $29 $160 $31 $1 $2 68 1 $32$$1 1968 $$ 31 29 $211 $1$ 931 $231 $20 $3 $1 1$80 20 $ $ $1 3 24 6 18 $2$1 5 $353 2 $ $3 24 8$25 $ $4 2$ 0 521 $ $ $4 2 20 8 2 $$ $ 24 2 22 5 $22 $ $4 22 0 $21 $ $4 22 2$27 $ $6 3 $ 6 2 26 $ $4 35 0 Estate $ $2 29 4 $ $3 22 5 $ $3 25 5 $ $3 22 7 $ $1 38 8 $ $2 39 0 $ $6 30 2 $ $2 48 3 HRA HRA 55 –64 Esta$ te 4 $,4 11 29 6 $186 $9$ ,3 11 20 $ 8193 $8,1 $9 13 8 $5 19$ 28,3$ 71 6$ 42 63$ 98,28 $2 1 $5 27 5$ 58,455 $$ 11 59 5 $4 8,561$ $1 16 2 $1 5 9,379$$ 11 64 09 55HRA –64 Agricult$ ure, 1$ 03 3,8 forest 05 $1 r $y 1 8 1 ,1 &3 f2ishi $3 $ng $ 1 17 1,1 , 8 69 $32 $ $1 72 ,4 $ 91 38 5 $ $ $7 1 3 ,4 4 52 87 $3$ 6 $ 71 ,8 43 41 $36 $8 $,0 1 $5 8 42 7 7 $$ 84 $ ,9 0 16 44 2 Estate $36 $37 $40 $40 $40 $39 $50 $42 HRA $2,257 $1,946 $1,925 $1,828 $1,872 $1,849 $1,845 $1,887 Financ Se H eo , rv u In rils c yu e ( ? ra Famil s nce yIn , )Rea 2020, l Estate HMO/EPO $ $1 25 ,7 115 $ $4 1,5 43 24 $$ 3enroll 1 ,8 76 43 $5 $,7 1ees 6 49 6 $ 5$had the ,1 19 78 8 $5,1 $1 27 11 l $ow 4,7 $6 16 6 es 7 $4t deduc ,7 $2 17 83 tibles Se, rvfol iceslow Estate ed by PPO $2/POS ,334 $3,9and c 51 $3,37omprehens 8 $5,089 $4,699 i$v 4,7 e (F 45 $i 4gures ,497 $4,324 7 – Fe 55m –64 ale (Family) $1,805 $2,114 $2,305 $2,278 $2,356 $2,367 $2,549 $2,585 Fe 55m –a 64 le (FaEs milty a)te HRA 55 – Se Es 64 rv taite ces$$ 24 ,9 ,9 25 3 $ 42,62 $5 $ 35 ,2 $ ,9 6 5 $8 3 ,0 23 ,2 06 28 $$ 2 $ 3 $ ,6 5 ,3 6$ ,6 7 ,1 4 2 0 9 2 2 ,2 0 4 $ 03 2,4 $$ 6 $ 6 3 $ ,0 6 6 ,5 2 ,0 1 ,0 1 $ 2 4 1 3 6 1,6 4$9 60 ,4 $ $ $3 2 7 6 $,7 ,0 4 ,0 4,1 4 7 63 0 8 3 $8 6,3 $ $3 1 $ 4 $ 5 ,9 3 ,0 6,6 ,2 9 5$ 5 8 7 26 2 0,3 $$ 4 01 ,0 7,9 $ $ 13 5 5 4 $ ,6 ,9 6 6$ 9 9 ,2 4 2 24 $ ,0 7 14 ,9 5$ $ 7 $3 5 5 5 $,4 ,7 ,7 4,0 9 7 33 3 0 44 Services $2,513 $2$ ,8 45 ,3 0 $0 24 ,29$ 5 $2 5,9 ,3 $3 2 4,0 3 927$5 $ $,2 3 3,2 ,1 57 2 17 0 $ $5 3,7 ,6 $3 3 63 ,3 5 8$ 3 $3 5,6 ,76 28 $ 73,4 $3 $ 1,7 5 2,8 19 44$ $3 3,8 $ ,4 51 8 ,8 7 494 $3,8 $ $6 3 55 ,3 ,43 78 6 -6% -6% Hourly (FamilEs y) tate $1,552 $1,846 $2,016 $2,018 $2,130 $2,193 $2,405 $2,470 Estate Office Visit Hourly (Family) $5,240 $6,7 19 70 % $6,610 $6,68319 $% 6,864 $7,217 $720 ,15 % 8 $6,849 20% Hourly (Famil19 y) % $4,50520 $% 5,913 $5,780 $20 5,9 % 19 $6,205 $6,6 19 87% $6,754 $6,546 Female (Family) $2,112 $2,100 $2,287 $2,256 $2,320 $2,2 901 D 96 $2,26Street, 5 $2,140 SW, Sui Fem te ale802 (Family) $1,816 $1,834 $2,000 $1,998 $2,098 $2,127 $2,137 $2,045 o Data on OOP maximums were unavailable for HSA-eligible health plans. 55 –64 $1,030 $1,284 $1,370 $1,207 $1,264 $1,220 $1,274 $1,309 55 55 Serv – –64 64ices $$ 48 ,2 85 69 $ $5 1,2 ,12 26 1 $26 $ $5 1 4,1 ,99 76 8 $328 $ $5 1,3 ,0 $3 5 62 9 06 $ $ $5 1 3,1 ,4 99 8 46 3 $41 $ $0 5 1,1 ,76 31 4 $422$ $1 5,2 ,6 $4 5 09 2 45 $ $ $1 5 3,5 ,0 66 5 18 6 Services $1,452 $1,671 $1,860 $2,028 $2,243 $2,258 $2,361 $2,314 Services construction 0.8% Services $1,689 $1,913 $2,127 $2,290 $2,481 $2,437 $2,503 $2,421 HSA Eligible Services Comprehensive HMO $/EPO 308 $376 PPO $37 /PO 2 S $451 $45 HRA 4 $456 $ HSA El 524 ig $i3 b8 le2 Services $2,877 $2,894 $2,893 $2,667 $2,591 $2,659 $2,734 $2,654 $123 $139 $152 $177 $192 $182 $169 $167 Serv Com icesprehensive HMO$ /EPO 2 $ 1106 $2$ 2121PPO $24 $ /PO 133S$24$157$25$HRA 174$25 $169 $26HSA El $15$ 926 igib $l1 e59 HSA Eligible $3,346 $3,314 $3,308 $3,011 $2,866 $2,869 $2,898 $2,777 Services $24 $25 $27 $27 $27 $27 $27 $28 Services Services $35 $37 $40 $41 $40 $40 $40 $38 $30 $32 $35 $36 $36 $37 $38 $36 5). Washington, D.C. 20024 © Employee Benefit Research Institute 2020 16 83 77 51 58 43 10 69 41 23 46 47 68 66 61 38 24 56 54 67 63 52 80 75 59 17 81 65 32 20 30 12 35 79 19 82 33 50 64 53 37 29 22 21 31 78 34 55 72 13 71 49 44 14 62 26 18 70 74 57 40 28 27 39 76 60 25 45 42 15 36 73 48 84 11 5 3 7 9 8 4 6 Phone: (202) 659-0670 Fax: (202) 775-6312 © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © © Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Em Emp p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p p 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