Private Health Insurance: Small Employers Continue to Face Challenges in Providing Coverage Page: 3 of 43
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Table 6: Groupings Based on Whether States Allow the Use of
Health Characteristics in Setting Premiums, 1996 32
Table 7: Monthly Premium Quotes for Three Hypothetical Small
Employer Groups With Increasing Risk Characteristics in
Selected Localites, 2000 36
Figure 1: Small Employers Make Up the Majority of U.S. Private
Establishments, But Employ a Smaller Share of Private
Sector Employees, 1998 5
Figure 2: Comparison of Selected Benefits Offered, by Employer
Size, 2000 10
Figure 3: States' Small-Employer Premium Restrictions, June 2000 18
Figure 4: Average Percentage Change in Premiums Quoted for
Three Hypothetical Small Employers With Increasing Risk
Characteristics in Selected Localities, 2000 20
AHRQ Agency for Healthcare Research and Quality
COSE Council of Smaller Enterprises
EBRI Employee Benefit Research Institute
EPO exclusive provider organization
ERISA Employee Retirement Income Security Act
GPCI Geographic Practice Cost Index
HIPAA Health Insurance Portability and Accountability Act
HMO health maintenance organization
HRET Health Research and Educational Trust
MEPS Medical Expenditure Panel Survey
NAHU National Association of Health Underwriters
POS point of service
PPO preferred provider organization
GAO-02-8 Small Employer Health Insurance
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United States. General Accounting Office. Private Health Insurance: Small Employers Continue to Face Challenges in Providing Coverage, report, October 31, 2001; Washington D.C.. (https://digital.library.unt.edu/ark:/67531/metadc294197/m1/3/: accessed April 23, 2019), University of North Texas Libraries, Digital Library, https://digital.library.unt.edu; crediting UNT Libraries Government Documents Department.