And while that trend is expected to continue into 2002, with 93% of the sample expecting further premium increases, most employers still say they will not be passing those costs onto employees:
- almost 73% said that they would not be raising premiums,
- only 15% plan to increase premiums for workers, and
- the remainder, 12% were unsure
Based on the survey results, UBS Warburg projects that workers share of premiums will reach 21.4% for 2002 from 17.5% this year. In the past, employees? contributions have been as high as 28%.
Results also suggest that the trend towards the three-tiered co-payment system for prescription drugs will continue, with three-tier member penetration expected to rise to 64% next year, compared to 55% in 2001. Some 22% of the sample plans to move more employees to this system.
Preferred provider organization penetration increased its market share from 36.8% in 1999, to 42.5% in 2000 and 46.9% for 2001.
On the other hand, survey results show that health maintenance organization or point-of-service plan penetration fell from 49.1% in 2000, to 46.3% in 2001.