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.

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Presentation transcript:

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 2003 Health Resources and Services Administration State Planning Grant 8 th Technical Workshop Monday, January 30, 2006 Gerard Russo Associate Professor of Economics University of Hawaii

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 2003 Average Premiums are Lower in Hawaii than USA overall. PHCA seems to affect small firms and firms with low-wage workers the most. PHCA also seems to impact the single premium split more than the family split. PLEASE NOTE: Part-time and Full-time is not specifically defined.

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) Internal Revenue Service (IRS) Sampling Frame Data Tabulated by AHRQ for the State of Hawaii Employer Sponsored Insurance (ESI) James M. Branscome

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 4 Internet Citations: MEPS-IC 2003 Agency for Healthcare Research and Quality Employer-Sponsored Health Insurance Data. Private-Sector Data by Firm Size and State (Table II Series). Published July Agency for Healthcare Research and Quality Employer-Sponsored Health Insurance Data. Private-Sector Data by Industry Groupings and State (Table V Series). Published July Agency for Healthcare Research and Quality Employer-Sponsored Health Insurance Data. Private-Sector Data by Ownership Type and Age of Firm and State (Table VI Series). Published July 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 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

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 5 Average Family Premiums, MEPS- IC: Hawaii and US YearHawaiiUS 1996$5,319.26$4, $5,337.13$5, $6, a $5, $5,539.34$6, $6,391.68$6, $7,405.92$7, $7,768.24$8, $7,886.84$9, a Note: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 6 Average Single Premiums, MEPS-IC: Hawaii and US YearHawaiiUS 1996$2,005.45$1, $2,021.94$2, $2, a $2, $2,207.89$2, $2,747.87$2, $2,698.29$2, $2,722.89$3, $3,019.83$3, a Note: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 7 Simple Annual Premium Growth Model: UH Non-Linear Discrete-Time Estimation

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 8 Estimated Annual Nominal Growth Rates: UH Non-Linear Discrete-Time Estimates Family Premiums Hawaii6.27% US9.93% Single Premiums Hawaii5.57% US9.14%

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 9 Average Family Premiums in Hawaii and US: MEPS-IC Actual, UH Projection YearHawaii-ActualUS-ActualHawaii-PredictedUS-Predicted

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 10 Family Premium Trend Line: Hawaii and US University of Hawaii Estimates

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 11 Average Single Premiums in Hawaii and US: MEPS-IC Actual, UH Projection YearHawaii-ActualUS-ActualHawaii-PredictedUS-Predicted

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 12 Single Premium Trend Line: Hawaii and US University of Hawaii Estimates

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 13 Private Sector Family Premiums by Firm Size: Hawaii and United States 2003

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 14 Employee Contributions as a Percent of Family Premiums by Firm Size: Hawaii and United States 2003

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 15 Private Sector Single Premiums by Firm Size: Hawaii and United States 2003, ESI

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 16 Employee Contributions as a Percent of Single Coverage Premiums by Firm Size: Hawaii and United States 2003

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 and United States 2003

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 18 Number of Employees Part-time and Full-time by Average Wage of Work Force: Hawaii 2003 Note: Part-time refers to no specific number of hours.

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 19 Percent of Private Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2003

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 20 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

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 21 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

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 22 Firm Size (employees) Employees that work where insurance is offered. Employees that work where insurance is not offered. Less than 10 42,8876, , , ,4551, or more 158,9841,252 Total 425,73510,134 Distribution of Employees working at Establishments that offer Health Insurance by Firm Size: Hawaii 2003

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 23 Firm Size (employees) Payroll for all Establishments Payroll for Establishments that offer Health Insurance Payroll for Establishments that do not offer Health Insurance Less than 10 1,265,257,7251,092,648,400172,609, ,368,665,9861,358,339,47910,326, ,946,817, ,806,235,0683,753,791,45352,443, or more 5,456,796,8115,449,961,5116,835,300 Total 13,843,773,15813,601,558,411242,214,747 Distribution of Payroll at All Establishments by Firm Size: Hawaii 2003 (dollars)

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 24 Firm Size (employees) Employees that work where insurance is offered. Employees that are enrolled in health insurance at these establishments. Less than 10 42,88729, ,99438, ,41546, ,45571, or more 158,984107,942 Total 425,735293,529 Distribution of Enrolled Employees working at Establishments that offer Health Insurance by Firm Size: Hawaii 2003

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 25 Firm Size (employees) Total Premium Costs Employer Contribution Employee Contribution Less than ,917,046119,818,91332,098, ,403,908153,680,12216,723, ,191,543148,558,74140,632, ,843,953256,663,42466,180, or more 544,948,420444,655,537100,292,883 Total 1,379,304,8691,123,376,738255,928,132 Distribution of Total Premiums at Establishments that offer Health Insurance by Firm Size: Hawaii 2003 (dollars)

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 26 Firm Size (employees) Percent of Payroll Employer Contribution Employee Contribution Less than %11.0%2.9% %11.3%1.2% %7.6%2.1% %6.8%1.8% 1000 or more 10.0%8.2%1.8% Total 10.1%8.3%1.9% Total Premiums as a Percent of Payroll at Establishments that offer Health Insurance by Firm Size: Hawaii 2003 (dollars)

SOURCE: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends, Medical Expenditure Panel Survey-Insurance Component. 27 Summary Average ESI Premiums are lower in Hawaii than USA overall. PHCA seems to affect small firms and firms with low-wage workers the most. 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. PHCA also seems to impact the single premium split more than the family split.