SECTION7. EMPLOYEECOSTSHARING 1%ofcoveredworkersinHDHP/SOshaveacopaymentforhospitaladmissions,lowerthantheaverageforall coveredworkers[Figure7.28]. – Theaveragecoinsurancerateforahospitaladmissionis19%,theaveragecopaymentis$336perhospital admission,andtheaverageperdiemchargeis$257[Figure7.32]. Ninety-threepercentofworkersenrolledina planwithaperdiemforhospitaladmissionshavealimitonthenumberofdaysaworkermustpaytheamount [Figure 7.33]. • Thecost-sharingprovisionsforoutpatientsurgeryaresimilartothoseforhospitaladmissions,asmostworkershave coinsuranceorcopayments. In2017,19%ofcoveredworkershaveacopaymentand64%havecoinsurancefor outpatientsurgery. Inaddition,6%havebothacopaymentandcoinsurance,while16%havenoadditionalcostsharing after any general annual deductible has beenmet[Figure7.29]. – Forcoveredworkerswithcostsharingforoutpatientsurgery,theaveragecoinsurancerateis19%andtheaverage copaymentis$231[Figure7.32]. • Thelargemajorityofcoveredworkershavecostsharingwhentheyvisitanemergencyroom. In2017,58%percentof coveredworkershaveacopaymentforemergencyroomvisitsand32%haveacoinsurance[Figure7.30]. – Forcoveredworkerswithcostsharingforanemergencyroomvisit,theaveragecoinsurancerateis20%andthe averagecopaymentis$180[Figure7.32]. – AmongcoveredworkersinHDHP/SOplans,21%havenocostsharingforanemergencyroomvisitafterany generalannualdeductiblehasbeenmet,comparedto8%ofcoveredworkersinallplans[Figure7.30]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 119