Co-pays and Coinsurance Percentages for an Office Visit to a Physician for Employer-Sponsored Health Insurance in the Private Sector, by Firm Size Classification, 2002-2005

Source: Agency for Healthcare Research and Quality

In recent years, premiums for employer-sponsored health insurance have risen dramatically. However, premium costs are only one of several factors that determine costs of health care for enrollees. Other factors, such as whether an enrollee has a co-pay and the size of co-pays and coinsurance percentages, also contribute to differences in cost of care.

This Statistical Brief examines what percentage of enrollees had a co-pay and the amount of such co-pays and coinsurance percentages. Using private sector estimates from the Insurance Component of the Medical Expenditure Panel Survey, data for 2002 are compared to those for 2005. Estimates for small firms (fewer than 50 employees) and large firms (50 or more employees) are analyzed.

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