Deductibles, co-payments for office visits, and prescriptiondrug co-payments have been increasing in recent years for workerswith employee-sponsored health coverage, according to a new studyfrom the Employee Benefit Research Institute.
|Among workers with employee-only coverage in a preferredprovider organization (PPO), for example, the percentage with adeductible of at least $500 increased from 14 percent in 2000 to 52percent in 2009. It was 48 percent in 2008 and 36 percent in2007.
|Deductibles are higher and have increased faster in small firms than in large firms,according to the study, which appears in the May 2010 EBRIIssue Brief.
|Additionally, the study found the percentage of workers withown-name employment-based coverage declined the most among thoseemployed by for-profit private-sector employers and those employedby the federal government. Workers with the lowest earnings werethe least likely to have employment-based coverage in their ownname and experienced the largest decline in coverage.
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