1. 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. 1 Hawai ` i Employer Sponsored Health Insurance: MEPS-IC 2002 Health Resources and Services Administration State Planning Grant 6 th Technical Workshop Friday, September 17, 2004 Gerard Russo Associate Professor of Economics University of Hawaii

2. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 2 OVERVIEW OF RESULTS: MEPS-IC 2002 Average Premiums are Lower in Hawaii than US PHCA seems to affect small firms and firms with low-wage workers. PLEASE NOTE: Part-time and Full-time is not specifically defined.

3. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 3 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

4. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 4 Internet Citations 2002 Employer-Sponsored Health Insurance Data. Private-Sector Data by Firm Size and State. July 2004. Agency for Healthcare Research and Quality, Rockville, MD. http://www.meps.ahrq.gov/MEPSDATA/ic/2002/Index202.htm http://www.meps.ahrq.gov/MEPSDATA/ic/2002/Index202.htm 2002 Employer-Sponsored Health Insurance Data. Private-Sector Data by Industry Groupings and State. July 2004. Agency for Healthcare Research and Quality, Rockville, MD. http://www.meps.ahrq.gov/mepsdata/ic/2002/index502.htm http://www.meps.ahrq.gov/mepsdata/ic/2002/index502.htm 2002 Employer-Sponsored Health Insurance Data. Private-Sector Data by Ownership Type and Age of Firm and State. July 2004. Agency for Healthcare Research and Quality, Rockville, MD. http://www.meps.ahrq.gov/mepsdata/ic/2002/index602.htm http://www.meps.ahrq.gov/mepsdata/ic/2002/index602.htm 2002 Employer-Sponsored Health Insurance Data. Private-Sector Data by Proportion of Employees Who Are Full-time or Low-wage and State. July 2004. Agency for Healthcare Research and Quality, Rockville, MD. http://www.meps.ahrq.gov/mepsdata/ic/2002/index702.htm http://www.meps.ahrq.gov/mepsdata/ic/2002/index702.htm

5. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 5 Internet Citation: MEPS-IC 2002 Agency for Healthcare Research and Quality. Medical Expenditure Panel Survey-Insurance Component. 2002 Employer Sponsored Health Insurance Data. Private-Sector Data by Firm Size and State 2002 (Table 2 Series). Published July 2004. http://www.meps.ahrq.gov/MEPSDATA/ic/2002 /Tables_II/IC02_IIA_E.pdf

6. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 6 Average Family Premiums, MEPS- IC: Hawaii and US 1996-2002 YearHawaiiUS 1996$5,319.26$4,953.68 1997$5,337.13$5,332.29 1998$6,696.91 a $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 a Note: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

7. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 7 Average Family Premiums, MEPS-IC: Hawaii and US 1996-2002 Note: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

8. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 8 Average Family Premiums Annual Rate of Increase: Hawaii and US 1996-2002

9. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 9 Average Single Premiums, MEPS-IC: Hawaii and US 1996-2002 YearHawaiiUS 1996$2,005.45$1,991.64 1997$2,021.94$2,050.82 1998$2,583.84 a $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 a Note: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

10. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 10 Average Single Premiums, MEPS-IC: Hawaii and US 1996-2002 Note: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

11. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 11 Average Single Premiums Annual Rate of Increase: Hawaii and US 1996-2002

12. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 12 Number of Private Sector Establishments by Firm Size: Hawaii 2002

13. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 13 Percent Distribution of Private Establishments by Firm Size: Hawaii and United States 2002

14. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 14 Number of Private Sector Employees by Firm Size: Hawaii 2002

15. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 15 Percent Distribution of Private Sector Employees by Firm Size: Hawaii and United States 2002

16. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 16 Percent of Private Establishments that Offer Health Insurance by Firm Size: Hawaii and United States 2002

17. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 17 Percent of Private Establishments that Offer Health Insurance by Firm Size: Hawaii, US, Nevada and Michigan 2002

18. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 18 Percent Distribution of Private Establishments by Industrial Classification: Hawaii and United States 2002

19. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 19 Percent Distribution of Private-Sector Employees by Industrial Classification: Hawaii and United States 2002

20. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 20 Percent of Private Establishments that Offer Health Insurance by Industrial Classification: Hawaii and United States 2002

21. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 21 Private Sector Single Premiums by Firm Size: Hawaii and United States 2002, ESI

22. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 22 Employee Contributions as a Percent of Single Coverage Premiums by Firm Size: Hawaii and United States 2002

23. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 23 Private Sector Family Premiums by Firm Size: Hawaii and United States 2002

24. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 24 Employee Contributions as a Percent of Family Premiums by Firm Size: Hawaii and United States 2002

25. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 25 Percent of Private Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2002

26. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 26 Number of Employees Part-time and Full-time by Average Wage of Work Force: Hawaii 2002

27. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 27 Percent of Employees Eligible in Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2002

28. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 28 Percent of Full-time Employees Eligible for Health Insurance in Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2002

29. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 29 Percent of Part-time Employees Eligible for Health Insurance in Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2002

30. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 30 Percent of Employees Enrolled in Health Insurance at Establishments that offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2002

31. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 31 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 2002

32. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 32 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 2002

33. SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 33 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.