Effects of the Vermont Mental Health and Substance Abuse Parity Law

Table D.5: Health Plan Choices Offered to Employees in Vermont, by Firm Size

  All Firms Number of Employees
Fewer Than 10 10 to 25 26 to 50 More Than 50
Number of health plan choices, %          
   One 89.2 93.8 94.9 84.6 69.0
   Two 7.8 6.3 2.7 11.9 19.6
   Three or more 3.0 0.0 2.5 3.5 11.4
   Mean number of plans 1.1 1.1* 1.1* 1.2* 1.4
Percentage of employers offering plans          
   HMO 19.2 21.5 19.5 14.6 17.1
   POS 18.6 17.8 17.8 19.9 20.9
   PPO 42.0 34.5* 42.6* 43.4* 58.3
   FFS 21.2 21.8 14.8* 28.0 27.8
   Unknown 6.2 6.3 7.7 4.7 3.6
Percentage with self-insured plan 15.4 10.4* 6.6* 19.4* 44.6
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. This table is limited to insured businesses only.
   
* Significantly different from employers with more than 50 employees at the .01 level, two-tailed test
   
FFS = Fee-for-service indemnity plan; HMO = Health maintenance organizatoin; POS = Point of service plan; PPO = Preferred provider organization

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