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PBgC reviews the plan assets and plan funding for those plans that received financial assistance in the past but are neither currently receiving financial assistance nor repay- ing past financial assistance. if the review shows that the value of a terminated plan’s assets exceeds the present value of the plan’s liabilities (not including the amount owed PBgC) or that the value of an ongoing plan’s assets plus anticipated plan income exceeds its anticipated liabilities by more than 20 percent for each of the next three years, then PBgC may seek repayment of all or part of the financial assistance previously. | AH P Center for Policy and Research October 2009 Individual Health Insurance 2009 A Comprehensive Survey of Premiums Availability and Benefits SUMMARY.1 I. INTRODUCTION WHY INDIVIDUAL HEALTH INSURANCE IS DIFFERENT.3 II. PREMIUMS.4 III. UNDERWRITING.8 IV. BENEFITS.15 V. METHODOLOGICAL NOTE.29 VI. ACKNOWLEDGEMENTS.30 LIST OF TABLES Table 1. Individual Market Distribution of Policyholders by Age 2009.4 Table 2. Individual Market Average Premiums by Age 2009 .5 Table 3. Individual Market Average Annual Premiums in Selected States 2009 .6 Table 4. Average Premium by Selected Deductible Levels 2009.7 Table 5. Individual Market Applicants Underwritten 2008.9 Table 6. Individual Market Analysis of Offer Rates by Age 2008 . 10 Table 7. Individual Market Analysis of Offers by Type and Age 2008 . 12 Table 8. Individual Market Analysis of Condition Waivers Offered by Age 2008 .13 Table 9. Individual Market Analysis of Smoker Rates Offered by Age 2008.14 Table 10. Individual Market Policies In Force During Study Period 2009 .15 Table 11. Individual Market Out-of-Network Coverage 2009 .16 Table 12. Individual Market Deductible Levels 2009 PPO POS and HSA.17 Table 13. Individual Market Deductible Levels 2009 HMO EPO and Indemnity.18 Table 14. Distribution of Covered Lives Among Survey Respondents by Deductible Amount 2009 . .19 Table 15. Individual Market Annual Out-of-Pocket Maximum Amounts 2009 .21 Table 16. Distribution of Covered Lives Among Survey Respondents by Annual Out-of- Pocket Maximum Amount 2009 .22 Table 17. Individual Market Lifetime Maximum Benefits 2009 . 23 Table 18. Individual Market Coinsurance Levels 2009 .24 Table 19. Individual Market Primary Care Office Visit Co-Payments 2009 .25 Table 20. Individual Market Specialist Visit Co-Payments 2009.26 Table 21. Individual Market Prescription Drug Benefits Coinsurance and Co-Payments 2009.27 Table 22. Individual Market Prescription Drug Deductibles PPO POS HMO EPO and Indemnity 2009 . 28 Table 23. Individual Market
