Effects of the Vermont Mental Health and Substance Abuse Parity Law

Table D.4: Characteristics of Employer-Sponsored Health Insurance Coverage in Vermont, by Firm Size

	All Firms	Number of Employees
	All Firms	Fewer Than 10	10 to 25	26 to 50	More Than 50
Percentage of employers offering health insurance coverage	73.5	62.0**	74.1**	94.0	97.3
Percentage of insured employers:
Offering dependent coverage	90.7	90.5**	85.0**	96.6	98.6
Offering coverage to part-time employees	35.6	25.3**	37.5**	40.2**	53.2
With a waiting period for eligibility	67.2	64.1*	64.5*	71.9	76.6
With a waiting period for preexisting conditions	25.5	19.6**	18.9**	36.3	42.3
Percentage of eligible workers taking up coverage	71.9	71.6*	70.7*	70.0**	77.5

Sources:	Mathematica Policy research Survey of Vermont Employers to Assess the Impact of the Vermont Parity Act.

Note:	The survey includes Vermont businesses that were in operation as of January 1, 1998 and that remained in operation as of the time of the survey (Fall 200). The survey excluded those that had, on average, few than five employees across establishments in calendar year 1999 and business operated by Federal and State government entities.

*	Significantly different from employers with more than 50 employees at the .05 level, two-tailed test
**	Significantly different from employers with more than 50 employees at the .01 level, two-tailed test