Hawai ` i Employer Sponsored Health Insurance: MEPS-IC 2003
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Transcript of Hawai ` i Employer Sponsored Health Insurance: MEPS-IC 2003
This research is funded in part through a U.S. Health Resources and Services Administration, State Planning Grant to the Hawaii State Department of Health. Sub-Contract Research Corporation of the University of Hawaii. Research conducted by the University of Hawaii, Social
Science Research Institute in collaboration with the Hawaii State Department of Health, Hawaii Institute for Public Affairs/Hawaii Uninsured Project and the Hawaii Health Information Corporation.
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Hawai`i Employer Sponsored Health
Insurance: MEPS-IC 2003
Health Resources and Services AdministrationState Planning Grant
7th Technical WorkshopThursday, October 13, 2005
Gerard RussoAssociate Professor of Economics
University of Hawaii
2SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
OVERVIEW OF RESULTS: MEPS-IC 2003
Average Premiums are Lower in Hawaii than US
PHCA seems to affect small firms and firms with low-wage workers the most.
PLEASE NOTE: Part-time and Full-time is not specifically defined.
3SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Health Insurance Premiums: MEPS-IC
Medical Expenditure Panel Survey (MEPS) Insurance Component (IC) Agency for Healthcare Research & Quality (AHRQ) www.ahrq.gov Internal Revenue Service (IRS) Sampling Frame Data Tabulated by AHRQ for the State of Hawaii Employer Sponsored Insurance (ESI) www.meps.ahrq.gov James M. Branscome <[email protected]>
4SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Internet Citations: MEPS-IC 2003
Agency for Healthcare Research and Quality. 2003 Employer-Sponsored Health Insurance Data. Private-Sector Data by Firm Size and State (Table II Series). Published July 2005. http://www.meps.ahrq.gov/MEPSDATA/ic/2003/Index203.htm
Agency for Healthcare Research and Quality. 2003 Employer-Sponsored Health Insurance Data. Private-Sector Data by Industry Groupings and State (Table V Series). Published July 2005. http://www.meps.ahrq.gov/MEPSDATA/ic/2003/Index503.htm
Agency for Healthcare Research and Quality. 2003 Employer-Sponsored Health
Insurance Data. Private-Sector Data by Ownership Type and Age of Firm and State (Table VI Series). Published July 2005. http://www.meps.ahrq.gov/MEPSDATA/ic/2003/Index603.htm
Agency for Healthcare Research and Quality 2003 Employer-Sponsored Health Insurance Data. Private-Sector Data by Proportion of Employees Who Are Full-time or Low-wage and State (Table VII Series). Published July 2005.http://www.meps.ahrq.gov/MEPSDATA/ic/2003/Index703.htm
Agency for Healthcare Research and Quality 2003 Employer-Sponsored Health Insurance Data. Private-Sector Data by Average Wage Quartiles and State (Table VIII Series). Published July 2005. http://www.meps.ahrq.gov/MEPSDATA/ic/2003/Index803.htm
5SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Average Family Premiums, MEPS-IC: Hawaii and US 1996-2003Year Hawaii US
1996 $5,319.26 $4,953.68
1997 $5,337.13 $5,332.29
1998 $6,696.91a $5,590.41
1999 $5,539.34 $6,058.12
2000 $6,391.68 $6,772.47
2001 $7,405.92 $7,508.94
2002 $7,768.24 $8,469.01
2003 $7,886.84 $9,248.92 aNote: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.
6SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Average Single Premiums, MEPS-IC: Hawaii and US 1996-2003
Year Hawaii US
1996 $2,005.45 $1,991.64
1997 $2,021.94 $2,050.82
1998 $2,583.84a $2,174.35
1999 $2,207.89 $2,324.76
2000 $2,747.87 $2,654.67
2001 $2,698.29 $2,889.19
2002 $2,722.89 $3,188.90
2003 $3,019.83 $3,481.22 aNote: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.
7SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Simple Annual Premium Growth Model:UH Non-Linear Discrete-Time Estimation
tt gPP 10
8SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Estimated Annual Nominal Growth Rates: 1996-2003UH Non-Linear Discrete-Time Estimates
Family PremiumsHawaii 6.27%US 9.93%
Single PremiumsHawaii 5.57%US 9.14%
9SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Average Family Premiums in Hawaii and US: 1996-2003 MEPS-IC Actual, 2004-2006 UH ProjectionYear Hawaii-Actual US-Actual Hawaii-Predicted US-Predicted
1996 5319.26 4953.68 5237.57 4725.72
1997 5337.13 5332.29 5565.93 5195.17
1998 6696.91 5590.41 5914.89 5711.25
1999 5539.34 6058.12 6285.72 6278.61
2000 6391.68 6772.47 6679.80 6902.32
2001 7405.92 7508.94 7098.58 7587.99
2002 7768.24 8469.01 7543.62 8341.78
2003 7886.84 9248.92 8016.57 9170.45
2004 8519.16 10081.44
2005 9053.27 11082.92
2006 9620.85 12183.89
10SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Family Premium Trend Line: Hawaii and US 1996-2006University of Hawaii Estimates
0
2000
4000
6000
8000
10000
12000
14000
Hawaii
US
HI-Predicted
US-Predicted
11SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Average Single Premiums in Hawaii and US: 1996-2003 MEPS-IC Actual, 2004-2006 UH Projection
Year Hawaii-Actual US-Actual Hawaii-Predicted US-Predicted
1996 2005.45 1991.64 2053.18 1872.06
1997 2021.94 2050.82 2167.53 2043.12
1998 2583.84 2174.35 2288.25 2229.81
1999 2207.89 2324.76 2415.69 2433.56
2000 2747.87 2654.67 2550.23 2655.93
2001 2698.29 2889.19 2692.26 2898.61
2002 2722.89 3188.9 2842.20 3163.47
2003 3019.83 3481.22 3000.50 3452.54
2004 3167.60 3768.02
2005 3344.02 4112.32
2006 3530.26 4488.09
12SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Single Premium Trend Line: Hawaii and US 1996-2006University of Hawaii Estimates
0500
100015002000250030003500400045005000
Hawaii
US
HI-Predicted
US-Predicted
13SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Private Sector Family Premiums by Firm Size: Hawaii and United States 2003
9,233 9,0388,111
7,2647,8607,8789,3879,340 9,375 9,286
$0
$2,000
$4,000
$6,000
$8,000
$10,000
less
than 10
10 to 24 25 to 99 100 to
999
1000 or
more
Number of Employees
14SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Employee Contributions as a Percent of Family Premiums by Firm Size: Hawaii and United States 2003
18.7%
28.8%27.5%
26.0%
42.1%
20.2%
41.5%
21.8%
28.4%
24.7%
31.1%
22.3%
0%
10%
20%
30%
40%
50%
less
than 10
10 to
24
25 to
99
100 to
999
1000 or
more
Total
Number of Employees
15SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Private Sector Single Premiums by Firm Size: Hawaii and United States 2003, ESI
$2,742 $2,849
$3,745
$2,880$3,352
$3,834
$3,430 $3,430$3,470$3,568
0500
1,0001,5002,0002,5003,0003,5004,0004,500
less than
10
10 to 24 25 to 99 100 to
999
1000 or
more
Number of Employees
16SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Employee Contributions as a Percent of Single Coverage Premiums by Firm Size: Hawaii and United States 2003
8.3%
17.4%
3.4%3.3%
8.2%
15.0%
7.6%
17.7%18.4% 18.4%
12.4%
15.1%
0%
5%
10%
15%
20%
less
than 10
10 to
24
25 to
99
100 to
999
1000 or
more
TotalNumber of Employees
17SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Percent of Private Establishments that Offer Health Insurance by Firm Size: Hawaii and United States 2003
86.2%
100.0%99.1%99.8% 99.9%
74.6%
56.2%
93.5%81.0%
98.6%
35.6%
66.2%
0%
20%
40%
60%
80%
100%
120%
less
than 10
10 to
24
25 to
99
100 to
999
1000 or
more
TotalNumber of Employees
18SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Number of Employees Part-time and Full-time by Average Wage of Work Force: Hawaii 2003
97,80688,35998,616
353,283
68,502
11,33311,261
82,58639,579 20,412
050000
100000150000200000250000300000350000400000
Average Wage
Full-Time
Part-Time
Note: Part-time refers to no specific number of hours.
19SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Percent of Private Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States
2003
100.0%88.2%
90.2% 86.2%77.8% 79.7%
72.0%
56.2%39.0%
59.1%
0%
20%
40%
60%
80%
100%
120%
Quartile I Quartile
II
Quartile
III
Quartile
IV
Total
Average Wage
20SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Percent of Full-time Employees Enrolled in Health Insurance at Establishments that offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2003
82.9%
74.4%
79.3%
66.0%
82.1%77.0%
55.2%
69.5%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Quartile I Quartile II Quartile III Quartile IV
Average Wage
21SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Percent of Part-time Employees Enrolled in Health Insurance at Establishments that offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2003
48.1%
35.2%
41.1%34.4%
27.4% 26.9%26.1%
15.3%7.4%
19.4%
0%
10%
20%
30%
40%
50%
60%
Quartile I Quartile
II
Quartile
III
Quartile
IV
Total
Average Wage
22SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Percent of Part-time Employees Enrolled in Health Insurance at Establishments that offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2003
48.1%
35.2%
41.1%34.4%
27.4% 26.9%26.1%
15.3%7.4%
19.4%
0%
10%
20%
30%
40%
50%
60%
Quartile I Quartile
II
Quartile
III
Quartile
IV
Total
Average Wage
23SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component.
Summary
Average ESI Premiums are lower in Hawaii than US.
Low-Wage Part-Time Workers are Less Likely to be Covered by Employer-Sponsored Health Insurance. Possible Reasons Why? Tax benefits are less. Premiums as a proportion of total compensation are more. Minimum wage law prevents cash wages from adjusting
downward.