SECTION4. TYPESOFPLANSOFFERED Section4 TypesofPlansOffered Mostfirmsthatofferhealthbenefitsofferonlyonetypeofhealthplan(81%). Largefirms(200ormoreworkers)aremorelikely tooffermorethanonetypeofhealthplanthansmallfirms(3-199workers). FirmsaremostlikelytooffertheirworkersaPPO planandareleastlikelytoofferaconventionalplan(sometimesknownasindemnityinsurance). • Eighty-onepercentoffirmsofferinghealthbenefitsin2017offeronlyonetypeofhealthplan. Largefirmsaremore likely to offer more than one plan type than small firms (55%vs.17%)[Figure4.1]. • Thepercentageofcoveredworkersatfirmsthatoffermultipleplantypescanalsobeanalyzed. Fifty-eightpercentof coveredworkersareemployedinafirmthatoffersmorethanonehealthplantype. Seventypercentofcoveredworkers in large firms are employedbyafirmthatoffersmorethanoneplantype,comparedto30%insmallfirms[Figure4.2]. • Aboutthree-quarters(73%)ofcoveredworkersinfirmsofferinghealthbenefitsworkinfirmsthatofferoneormorePPO plans; 57%workinfirmsthatofferoneormoreHDHP/SOplans;33%workinfirmsthatofferoneormoreHMOplans; 15%workinfirmsthatofferoneormorePOSplans;and1%workinfirmsthatofferoneormoreconventionalplans 1 [Figure 4.4]. • Amongcoveredworkersinfirmsofferingonlyonetypeofhealthplan,thoseinlargefirmsaremorelikelytobeoffered anHDHP/SO(36%)thanthoseinsmallfirms(23%). Coveredworkersinsmallfirmsofferingonlyonetypeofplanare morelikelytobeofferedaPOSplanthancoveredworkersinlargefirms(19%vs.2%)[Figure4.5]. • Amongcoveredworkersinfirmsofferingonlyonetypeofhealthplan,30%areinfirmsthatonlyofferanHDHP/SOand 52%areinfirmsthatonlyofferaPPO[Figure4.5]. 1 Starting in 2010, we included firms that said they offer a plan type even if there are no covered workers enrolled in that plan type. The Kaiser Family Foundation and Health Research & Educational Trust / Page 65