Transcript Charts

Cost Shifts to Workers:
Increased Premiums and Cost-Sharing
Chart 1
Percent nonelderly with employer-sponsored insurance
50
41
26
31
25
16
0
Premium
Increased
Increased
Increased
increased*
cost-sharing*
premiums OR
premiums
increased
AND
cost-sharing
increased
cost-sharing
* Premiums increased more than a little. Increased cost-sharing includes cuts in benefits
or higher deductibles or copayments.
Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.
Chart 2
Low-Income Workers Are Most Likely to
Experience Increases in Premiums and Cost-Sharing
Percent nonelderly with employer-sponsored insurance
50
Less than 200% FPL
34
25
200% FPL or more
34
32
25
0
Premium increases
Increased cost-sharing*
* Increased cost-sharing includes an increase in deductibles, copayments, or cuts in benefits.
Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.
Previous Sources of Insurance
Before Losing Coverage, Adults 19–64*
Never had
insurance
11%
Other 9%
Job-based
65%
Public 15%
* Bases: Among respondents who were uninsured at some point during the year.
Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.
Chart 3
Reasons for Losing Insurance in 2001,
Adults 19–64*
Other
15%
Premiums
not affordable
10%
Job loss
52%
Ineligible for
family coverage
11%
Became ineligible
for public insurance
12%
* Bases: Among respondents who were uninsured at some point during the year.
Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.
Chart 4
Likelihood of Taking a COBRA Offer
with or Without a Subsidy, by Income
Chart 5
Percent nonelderly with employer-sponsored insurance
75
All adults
Less than 200% FPL
200% FPL or more
64
59
50
25
37
23
16
24
0
Very likely to buy COBRA
Very likely to buy COBRA,
without subsidy
including with subsidy*
* With subsidy, premium is $50/month for individual coverage; $150/month for family coverage.
Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.
Chart 6
Confidence in Future Health Coverage and Ability to Get
Quality Health Care Is Lowest for Low-Income Workers
Percent nonelderly with employer-sponsored insurance
who are “very” confident:
All adults
75
50
Less than 200% FPL
200% FPL or more
67
63
48
48
44
30
25
0
Employer will continue to
Will be able to get high-quality
offer insurance in future
care when needed
Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.