The health insurance picture in 1990

The 1990 Health Insurance Association of America (HIAA) survey of employer-sponsored health benefit plans was based on a sample of 3,192 public and private firms. The results of the survey indicate that, for the first time since 1987, the rate of increase in employer-sponsored group health premiums...

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Bibliographic Details
Published in:Health Affairs 1991, Vol.10 (2), p.104-115
Main Authors: Sullivan, C B, Rice, T
Format: Article
Language:English
Subjects:
Child care
Childhood
Children
Cost control
Cost sharing
Data Collection
Deductibles and Coinsurance - statistics & numerical data
Employee benefits
Employees
Employers
Enrollments
Fees and Charges - statistics & numerical data
Group health insurance
Health
Health Benefit Plans, Employee - statistics & numerical data
Health care expenditures
Health care industry
Health insurance
Health maintenance organizations
Health Maintenance Organizations - statistics & numerical data
Health services utilization
HMOs
Home health care
Hospice care
Immunization
Insurance
Insurance coverage
Insurance premiums
Insurance sector
Insurance, Health - statistics & numerical data
Mammography
Managed care
Management
Market shares
Occupational health
Polls & surveys
Statistical analysis
Studies
Trends
United States
Utilization review
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Description
Summary:The 1990 Health Insurance Association of America (HIAA) survey of employer-sponsored health benefit plans was based on a sample of 3,192 public and private firms. The results of the survey indicate that, for the first time since 1987, the rate of increase in employer-sponsored group health premiums has dropped. The average premium increase in 1990 was 14%, compared to an average increase of 24% in 1989. The shift away from traditional indemnity plans to conventional health plans with utilization management, health maintenance organizations, and preferred provider organizations continued. The point-of-service plan rose significantly among large employers; such plans now account for 5% of the total market share. The number of firms that fully self-insure their health plans or partially self-insure and purchase stop-loss insurance coverage rose somewhat in 1990. Over 50% of all employees now work for firms that are fully or partially self-insured. However, an increasing number of employers are passing on a greater portion of health care costs to their employees.
ISSN:0278-2715
1544-5208
DOI:10.1377/hlthaff.10.2.104