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Health Insurance Survey 2012

Question 1
Does your company offer health insurance to workers?
Answer Count Percentage
Yes (1) 191 96.46%  
No (2) 1 0.51%  
Don't Know (3) 0 0.00%
Other 3 1.52%  
No answer 3 1.52%  

Question 2
How does your health insurance package compare with last year's?
Answer Count Percentage
Less generous this year (1) 30 15.31%  
About the same (2) 146 74.49%  
More generous this year (3) 16 8.16%  
We don't have health insurance (4) 1 0.51%  
Not sure (5) 0 0.00%
Other 1 0.51%  
No answer 2 1.02%  

Question 3
How much of the health premium does your company pay for SINGLE COVERAGE (i.e., insurance for the employee, not his family)?
Answer Count Percentage
Company pays 100% of premium (1) 41 20.71%  
Company pays 75% to 99% (2) 93 46.97%  
Company pays 50% to 74% (3) 28 14.14%  
Company pays 1% to 49% (4) 11 5.56%  
Employee pays 100% of premium (5) 0 0.00%
Not sure (6) 3 1.52%  
Other 17 8.59%  

Question 4
How much of the health premium does your company pay for FAMILY COVERAGE?
Answer Count Percentage
Company pays 100% of premium (1) 12 6.06%  
Company pays 75% to 99% (2) 65 32.83%  
Company pays 50% to 74% (3) 48 24.24%  
Company pays 1% to 49% (4) 18 9.09%  
Employee pays 100% of premium (5) 28 14.14%  
Not sure (6) 3 1.52%  
Other 20 10.10%  

Question 5
How did your health insurance costs change in the past year?
Answer Count Percentage
Rose 1-4% (1) 24 12.90%  
Rose 5-9% (2) 52 27.96%  
Rose 10-15% (3) 38 20.43%  
Rose 16-20% (4) 12 6.45%  
Rose 21-30% (5) 6 3.23%  
Rose 31-40% (6) 1 0.54%  
Rose more than 40% (7) 2 1.08%  
Stayed about the same (8) 30 16.13%  
Decreased (9) 13 6.99%  
Not sure (10) 3 1.61%  
Other 3 1.61%  
No answer 2 1.08%  

Question 6
If your health insurance costs rose, did you pass on the cost increase to your employees?
Answer Count Percentage
Yes, we passed on the entire cost of the increase (1) 16 8.74%  
Yes, but we absorbed SOME of the increase (2) 54 29.51%  
Yes, but we absorbed MOST of the increase (more than half) (3) 31 16.94%  
No, we absorbed ALL of the increase (4) 39 21.31%  
We didn't have an increase (5) 29 15.85%  
Other 4 2.19%  
No answer 10 5.46%  

Question 7
Does your health insurance plan allow employees to get insurance for their unmarried partners?
Answer Count Percentage
Yes (1) 54 29.35%  
No (2) 99 53.80%  
Not sure (3) 20 10.87%  
Other 7 3.80%  
No answer 4 2.17%  

Question 8
What type of health insurance plan do you offer employees?
Answer Count Percentage
PPO (1) 128 64.65%  
HMO (2) 56 28.28%  
Point-of-service plan (3) 22 11.11%  
Traditional indemnity plan (4) 5 2.53%  
High-deductible plan (5) 57 28.79%  
Other 9 4.55%  

Question 9
Does your company offer or has it considered offering high-deductible health insurance?
Answer Count Percentage
Yes, we've added it as one of our health insurance options (1) 47 25.54%  
Yes, we've changed all our health insurance to the high-deductible type (2) 25 13.59%  
No, but we're considering it (3) 26 14.13%  
No, we don't offer high-deductible insurance (4) 69 37.50%  
Don't know (5) 7 3.80%  
We don't have health insurance (6) 1 0.54%  
Other 5 2.72%  
No answer 4 2.17%  

Question 10
Do you offer a Health Savings Account to your employees?
Answer Count Percentage
Yes (1) 53 28.96%  
No (2) 123 67.21%  
Don't Know (3) 1 0.55%  
Other 4 2.19%  
No answer 2 1.09%  

Question 11
Do you offer a flexible spending plan?
Answer Count Percentage
Yes, for childcare (1) 102 51.52%  
Yes, for health care (2) 106 53.54%  
Yes, for disability insurance (3) 3 1.52%  
No (4) 70 35.35%  
Other 2 1.01%  

Question 12
Do you offer employees the two-and-a-half month grace period for reimbursements from a flexible spending account?
Answer Count Percentage
Yes (1) 73 39.89%  
No (2) 27 14.75%  
Not sure (3) 12 6.56%  
We don't offer a flexible spending plan (4) 63 34.43%  
Other 4 2.19%  
No answer 4 2.19%  

Question 13
How have the health insurance reforms (implemented by the PPACA) affected your health insurance plans?
Answer Count Percentage
The new reforms have made our costs go up (1) 66 36.26%  
They did not significantly impact our costs (2) 85 46.70%  
I didn't know changes were made (3) 7 3.85%  
Other 8 4.40%  
No answer 16 8.79%  

Question 14
Since the passage of the health care reform legislation, has your organization considered dropping your health care plan(s)?
Answer Count Percentage
Yes, we are planning to drop coverage in the next few years (1) 1 0.55%  
Yes, we have had some discussions but are waiting to see how the law is implemented (2) 17 9.34%  
Yes, we have had some discussions but are waiting to see whether it is repealed by the U.S. Congress or struck down by the U.S. Supreme Court (3) 18 9.89%  
No, it's too important to our compensation package (4) 123 67.58%  
Not sure (5) 12 6.59%  
We have already dropped coverage (6) 0 0.00%
We don't offer health insurance (7) 1 0.55%  
Other 6 3.30%  
No answer 4 2.20%  

Question 15
After the exchanges are implemented in 2014 and it may be easier to obtain coverage in the individual market, are you more likely to eliminate your health care plan(s)?
Answer Count Percentage
Yes (1) 17 8.59%  
No (2) 63 31.82%  
Not Sure (3) 100 50.51%  
Other 2 1.01%  

Question 16
What changes do you think your organization's health care costs will experience in 2012?
Answer Count Percentage
Costs will rise significantly (1) 54 29.67%  
Costs will rise, but the change won't be very significant (2) 70 38.46%  
Costs will stay pretty much the same with a small rise due to inflation (3) 35 19.23%  
Costs will go down (4) 5 2.75%  
Other 7 3.85%  
No answer 11 6.04%  

Question 17
What do you think health care reform will do to your organization's health care costs in the future?
Answer Count Percentage
Costs will rise (1) 117 64.64%  
No change (2) 27 14.92%  
Costs will go down (3) 11 6.08%  
Other 11 6.08%  
No answer 15 8.29%  

Question 18
How do you (or will you) deal with rising health care costs?
Answer Count Percentage
We will pass on the increase to employees (1) 19 10.61%  
We will absorb SOME of the increase (2) 89 49.72%  
We will absorb MOST of the increase (3) 21 11.73%  
We will absorb ALL of the increase (4) 4 2.23%  
We may drop health care coverage (5) 4 2.23%  
We will start looking at other options (6) 28 15.64%  
Other 9 5.03%  
No answer 5 2.79%  

Question 19
What types of plan design changes, if any, are you planning to make in 2012?
Answer Count Percentage
None (1) 81 45.25%  
We plan to make significant changes (2) 2 1.12%  
We plan to make moderate changes (3) 34 18.99%  
We plan to make minor changes (4) 39 21.79%  
Other 13 7.26%  
No answer 10 5.59%  

Question 20
What is your main priority this year when it comes to health care benefits?
Answer Count Percentage
Complying with health care reform (1) 29 16.67%  
Reigning in costs (2) 85 48.85%  
Rethinking our long-term benefits strategy (3) 39 22.41%  
Other 5 2.87%  
No answer 16 9.20%  

Question 21
When do you think your current health care plan(s) will lose its grandfathered status under the health care reform law?
Answer Count Percentage
It already has (1) 54 30.68%  
2012 (2) 6 3.41%  
2013 (3) 11 6.25%  
2014 (4) 12 6.82%  
Sometime after 2014 (5) 13 7.39%  
We are doing our best to make sure our plan(s) doesn't lose its status (6) 48 27.27%  
Other 6 3.41%  
No answer 26 14.77%  

Question 22
Is your organization private sector, nonprofit, or public sector (government)?
Answer Count Percentage
Private (1) 104 59.43%  
Public (government) (2) 35 20.00%  
Non Profit (3) 36 20.57%  
No answer 0 0.00%

Question 23
Please select your company's industry.
Answer Count Percentage
agriculture (1) 2 1.15%  
arts and entertainment (2) 2 1.15%  
banking/financial services/accounting (3) 5 2.87%  
construction/building trades (4) 8 4.60%  
education (5) 11 6.32%  
government (6) 25 14.37%  
healthcare/nursing (7) 13 7.47%  
hospitality (8) 4 2.30%  
insurance (9) 8 4.60%  
janitorial (10) 0 0.00%
legal (11) 4 2.30%  
manufacturing (12) 22 12.64%  
media/broadcasting (13) 1 0.57%  
mining (14) 0 0.00%
publishing/printing (15) 2 1.15%  
real estate (16) 1 0.57%  
restaurant (17) 1 0.57%  
retail (18) 7 4.02%  
science and engineering (19) 6 3.45%  
service (20) 11 6.32%  
sports/recreation (21) 0 0.00%
technology/telecommunications (22) 7 4.02%  
transportation (23) 5 2.87%  
utilities (24) 4 2.30%  
wholesale trade (25) 3 1.72%  
Other 22 12.64%  
No answer 0 0.00%

Question 24
Please select the states in which your company is located. (Check all that apply)
Answer Count Percentage
Alabama (1) 13 6.57%  
Alaska (2) 4 2.02%  
Arizona (3) 11 5.56%  
Arkansas (4) 5 2.53%  
California (5) 20 10.10%  
Colorado (6) 13 6.57%  
Connecticut (7) 4 2.02%  
Delaware (8) 3 1.52%  
District of Columbia (9) 6 3.03%  
Florida (10) 17 8.59%  
Georgia (11) 14 7.07%  
Hawaii (12) 4 2.02%  
Idaho (13) 4 2.02%  
Illinois (14) 15 7.58%  
Indiana (15) 10 5.05%  
Iowa (16) 5 2.53%  
Kansas (17) 13 6.57%  
Kentucky (18) 6 3.03%  
Louisiana (19) 10 5.05%  
Maine (20) 4 2.02%  
Maryland (21) 12 6.06%  
Massachusetts (22) 8 4.04%  
Michigan (23) 12 6.06%  
Minnesota (24) 14 7.07%  
Mississippi (25) 5 2.53%  
Missouri (26) 4 2.02%  
Montana (27) 5 2.53%  
Nebraska (28) 6 3.03%  
Nevada (29) 3 1.52%  
New Hampshire (30) 3 1.52%  
New Jersey (31) 8 4.04%  
New Mexico (32) 9 4.55%  
New York (33) 15 7.58%  
North Carolina (34) 17 8.59%  
North Dakota (35) 3 1.52%  
Ohio (36) 16 8.08%  
Oklahoma (37) 5 2.53%  
Oregon (38) 7 3.54%  
Pennsylvania (39) 14 7.07%  
Rhode Island (40) 6 3.03%  
South Carolina (41) 7 3.54%  
South Dakota (42) 5 2.53%  
Tennessee (43) 9 4.55%  
Texas (44) 21 10.61%  
Utah (45) 6 3.03%  
Vermont (46) 3 1.52%  
Virginia (47) 12 6.06%  
Washington (48) 12 6.06%  
West Virginia (49) 3 1.52%  
Wisconsin (50) 11 5.56%  
Wyoming (51) 4 2.02%  

Question 25
How many employees does your organization have?
Answer Count Percentage
Less than 50 (1) 50 28.57%  
50-200 (2) 49 28.00%  
201-500 (3) 28 16.00%  
More than 500 (4) 48 27.43%  
No answer 0 0.00%

Question 26
Do you have unionized employees?
Answer Count Percentage
Yes (Y) 28 16.00%  
No (N) 147 84.00%  
No answer 0 0.00%

Question 27
What benefits changes has your organization made in the past couple of years and/or what benefits changes is your organization planning to make in the next few years? How has health care reform influenced any of these changes (if it has)?
Answer 100 57.47%  
No answer 74 42.53%  
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