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The Changing Health Insurance Safety-Net
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  1. The Changing Health Insurance Safety-Net National Academy of Social Insurance May 15, 2006 Dale H. Yamamoto

  2. Percentage Offering Retiree Health Benefits From 1997–2002 Source: EBRI from various tables at www.meps.ahcpr.gov/Data_Pub/IC_Tables.htm

  3. Percentage of Firms Offering Retiree Health Benefits by Size and 1992/2004—Post-65 1992 2004 1992 2004 1992 2004 1992 2004 1992 2004 Number of Employees Source: Hay Group

  4. Percentage of Firms Offering Retiree Health Benefits by Size of Firm in 2005 Source: Kaiser Family Foundation/Health Research and Educational Trust, Employer Health Benefits: 2005 Annual Survey, 2,013 respondents

  5. Percentage of Large Firms Offering Retiree Health Benefits, 1991–2005 Source: Hewitt Associates

  6. Percentage of Local Governments Offering Retiree Health Benefits, 1997–2002 Source: EBRI from various tables at www.meps.ahcpr.gov/Data_Pub/IC_Tables.htm

  7. Percentage of State Governments Offering Retiree Health Benefits, 1997–2002 Source: EBRI from various tables at www.meps.ahcpr.gov/Data_Pub/IC_Tables.htm

  8. Percentage of Retirees With Employer-Sponsored Health Benefits Source: GAO analysis of Current Population Survey, March Supplements 1995-2000

  9. Baby Boom Generation Will Increase Elderly Population Source: GAO report. U.S. Census Bureau, “Projections of the Total Resident Population by 5-Year Age Groups and Sex With Special Age Categories: Middle Series,” selected years 2000 to 2030, January 2000

  10. Total Medical Costs by Age Male Female Source: Hewitt Associates 2006 medical pricing model

  11. Health Care Costs Exceed Employer Budgets Expected Cost Increase Budget Gap Budget Limit Source: Hewitt Health Care Expectations Survey, 2006

  12. Employers With a Cap on Retiree Health Benefits for Post-65 Retirees Of large private-sector employers with a cap on their largest plan, percentage that anticipate hitting the cap: Of large private-sector employers with a cap, percentage with a cap on their largest plan: Already Hit Cap 59% Will Hit Cap in Next Year 8% Will Hit Cap in Next 3 Years 19% Will Not Hit Cap in Near Future 14% Source: Kaiser/Hewitt 2005 Survey on Retiree Health Benefits, December 2005.

  13. Illustration of Cap on Employer Plan • Costs equal to average NHE per capita • Cap at $4,000

  14. Percentage That Made Changes to Retiree Health Benefits Between 2004 and 2005 Percentage of large private-sector employers making the following changes: Source: Kaiser/Hewitt 2005 Survey on Retiree Health Benefits, December 2005.

  15. Likely Employer Strategy for 2006 in Response to the Medicare Drug Benefit Strategies firms are likely to choose under the Medicare drug law for largest 65+ plan: Percent of retirees in largest 65+ retiree plan: Discontinue Rx Supplement Medicare Drug Plan Supplement Medicare Drug Plan Discontinue Rx2% Become Medicare Rx Drug Plan2% Become Medicare Rx Drug Plan Offer Rx Coverage and Take 28% Subsidy Offer Rx Coverage and Take 28% Subsidy 89% Source: Kaiser/Hewitt 2005 Survey on Retiree Health Benefits, December 2005.

  16. Likelihood of Maintaining Drug Benefits and Accepting RDS in 2007 and 2010 Very Unlikely 3% Very Unlikely 10% Somewhat Unlikely 12% Source: Kaiser/Hewitt 2005 Survey on Retiree Health Benefits, December 2005.