SUMMARYOFFINDINGS PLANENROLLMENT PPOscontinuetobethemostcommonplantypein2017,enrolling48%ofcoveredworkers. Twenty-eightpercentofcovered workersareenrolledinahigh-deductibleplanwithasavingsoption(HDHP/SO),14%inanHMO,10%inaPOSplan,and <1%inaconventional(alsoknownasanindemnity)plan[FigureD].Overthelastfiveyears,enrollmentinPPOshasfallen by8percentagepointswhileenrollmentinHDHP/SOshasincreasedby9percentagepoints. Sixpercentoffirmsofferingan HDHP/SOofferonlyanHDHP/SOtoatleastsomeoftheirworkers. Self-Funding. Fifteenpercentofcoveredworkersinsmallfirmsand79%inlargefirmsareenrolledinplansthatareeither partially or completely self-funded, similar to last year. Although there has been discussion of more insurers offering partially self-fundedplans(sometimescalledlevel-premiumplans)tosmalleremployers,wehavenotseenanincreaseinrespondents reportingthattheyhaveself-fundedplansinrecentyears. AssociationHealthPlans. Sixpercentofofferingfirmswithfewerthan250workersofferhealthbenefitsarrangedthrougha tradeorprofessionalassociation. EMPLOYEECOSTSHARING Mostcoveredworkersmustpayashareofthecostwhentheyusehealthcareservices. Eighty-onepercentofcoveredworkers haveageneralannualdeductibleforsinglecoveragethatmustbemetbeforemostservicesarepaidforbytheplan[Figure E]. Even workers withoutageneralannualdeductibleoftenfaceothertypesofcostsharingwhentheyuseservices,suchas copaymentsorcoinsuranceforofficevisitsandhospitalizations. Amongcoveredworkerswithageneralannualdeductible,theaveragedeductibleamountforsinglecoverageis$1,505, similar to the average deductible last year ($1,478). The average deductible for covered workers is higher in small firms than in large firms($2,120vs. $1,276). Amongallcoveredworkers,includingboththosewithandwithoutadeductible,theaverage The Kaiser Family Foundation and Health Research & Educational Trust / Page 7