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Hawai ` i Employer Sponsored Health Insurance: MEPS-IC 2003

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. OVERVIEW OF RESULTS: MEPS-IC 2003.

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Hawai ` i Employer Sponsored Health Insurance: MEPS-IC 2003

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  1. Hawai`i Employer Sponsored Health Insurance: MEPS-IC 2003 Health Resources and Services Administration State Planning Grant 8th Technical WorkshopMonday, January 30, 2006 Gerard Russo Associate Professor of Economics University of Hawaii 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.

  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.

  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 <JBransco@AHRQ.GOV>

  4. 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). PublishedJuly 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). PublishedJuly 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). PublishedJuly 2005. http://www.meps.ahrq.gov/MEPSDATA/ic/2003/Index803.htm

  5. Average Family Premiums, MEPS-IC: Hawaii and US 1996-2003 aNote: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

  6. Average Single Premiums, MEPS-IC: Hawaii and US 1996-2003 aNote: The 1998 MEPS-IC sample for Hawaii is too small to compute reliable estimates.

  7. Simple Annual Premium Growth Model:UH Non-Linear Discrete-Time Estimation

  8. Family Premiums Hawaii 6.27% US 9.93% Single Premiums Hawaii 5.57% US 9.14% Estimated Annual Nominal Growth Rates: 1996-2003UH Non-Linear Discrete-Time Estimates

  9. Average Family Premiums in Hawaii and US: 1996-2003 MEPS-IC Actual, 2004-2006 UH Projection

  10. Family Premium Trend Line: Hawaii and US 1996-2006University of Hawaii Estimates

  11. Average Single Premiums in Hawaii and US: 1996-2003 MEPS-IC Actual, 2004-2006 UH Projection

  12. Single Premium Trend Line: Hawaii and US 1996-2006University of Hawaii Estimates

  13. Private Sector Family Premiums by Firm Size: Hawaii and United States 2003

  14. Employee Contributions as a Percent of Family Premiums by Firm Size: Hawaii and United States 2003

  15. Private Sector Single Premiums by Firm Size: Hawaii and United States 2003, ESI

  16. Employee Contributions as a Percent of Single Coverage Premiums by Firm Size: Hawaii and United States 2003

  17. Percent of Private Establishments that Offer Health Insurance by Firm Size: Hawaii and United States 2003

  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.

  19. Percent of Private Establishments that Offer Health Insurance by Average Wage of Work Force: Hawaii and United States 2003

  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

  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

  22. Distribution of Employees working at Establishments that offer Health Insurance by Firm Size: Hawaii 2003

  23. Distribution of Payroll at All Establishments by Firm Size: Hawaii 2003 (dollars)

  24. Distribution of Enrolled Employees working at Establishments that offer Health Insurance by Firm Size: Hawaii 2003

  25. Distribution of Total Premiums at Establishments that offer Health Insurance by Firm Size: Hawaii 2003 (dollars)

  26. Total Premiums as a Percent of Payroll at Establishments that offer Health Insurance by Firm Size: Hawaii 2003 (dollars)

  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.

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