Establishing an Analytical Framework for Measuring the Role of Reinsurance in the Health Insurance Market. Attachment D

03/20/1997

Published Reinsurance Tabulations

Table D-1

Percentage of Employees in Plans with Various Funding and Risk Sharing Arrangements, by Firm Size, 1996

    Of Self-Insured, % Who:
Firm Size Percent Completely or Partially Self-Insured Share Any Risk Have Reinsurance/ Stoploss Have Minimum Premium Have Administrative-Services-Only Contract
200-999 Workers 55 62 56 19 30
1,000-4,999 Workers 67 43 37 8 27
5,000+ Workers 69 11 7 4 7
All Sizes 65 30 26 9 17

Source: Lewin computations from data from KPMG Peat Marwick Survey of Employer-Sponsored Health Benefits, 1996.

Percentage of Employees in Plans with Various Funding and Risk Sharing Arrangements, by Firm Size, 1996


Percent Of Employees, Who Completely or Partially Self-Insured

Firm SizePercent Completely or Partially Self-Insured
200-99955
1,000-4,99967
5,000+69
All Sizes65

Percent Of Self-Insured, Who Share Any Risk

Firm SizePercent Of Self-Insured, Who Share Any Risk
200-99962
1,000-4,99943
5,000+11
All Sizes30

Percent Of Self-Insured, Who Have Reinsurance/ Stoploss

Firm SizePercent Of Self-Insured, Who Have Reinsurance/ Stoploss
200-99956
1,000-4,99937
5,000+7
All Sizes26

Percent Of Self-Insured, Who Have Minimum Premium

Firm SizePercent Of Self-Insured, Who Have Minimum Premium
200-99919
1,000-4,9998
5,000+4
All Sizes9

Percent Of Self-Insured, Who Have Administrative-Services-Only Contract

Firm SizePercent Of Self-Insured, Who Have Administrative-Services-Only Contract
200-99930
1,000-4,99927
5,000+7
All Sizes17

Table D-2

Percentage of Self-Insured Firms with Various Stoploss Arrangements, by Firm Size, 1996

Number of Employees in Firm % with Aggregate Stoploss Coverage Only % with Specific Stoploss Coverage Only % with Both Aggregate and Specific Coverage
Traditional Medical Indemnity Plans
10-499 20 41 38
500-999 9 26 65
1,000-4,999 13 38 49
5,000-9,999 16 49 35
10,000-19,999 27 47 27
20,000 or More Insufficient Data Insufficient Data Insufficient Data
Preferred Provider Organizations
10-499 18 21 62
500-999 5 21 74
1,000-4,999 13 38 49
5,000-9,999 6 57 37
10,000-19,999 26 46 27
20,000 or More 43 47 10

Source: Foster Higgins National Survey of Employer-Sponsored Health Plans.

Reproduced with permission from A. Foster Higgins.