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Despite the large social benefits from PAYD, there are currently several barriers to its widespread adoption, including the cost to monitor miles traveled and some state insur- ance regulations. In order to facilitate the spread of PAYD, we propose a three-part strat- egy. First, states should pass legislation permitting mileage-based insurance premiums. Second, the federal government should increase the funding available to PAYD pilot pro- grams by $15 million over five years. Finally, since the monitoring costs may exceed the expected benefit of PAYD to insurance firms but are much smaller than the social benefit, the federal government should offer a $100 tax. | AH P Center for Policy and Research March 2009 Small Group Health Insurance in 2008 A Comprehensive Survey of Premiums Product Choices and Benefits CONTENTS Summary.2 I. Introduction The Small Group Market in Context.4 II. Premiums in the Small Group Market.6 Table 1. Small Group Premiums 2008.6 Table 2. Premiums by Number of Covered Employees in Small Group Plans 2008.6 Table 3. Small Group Premiums vs. Premiums for Larger Groups 2008.7 Table 4. Average Annual Deductible for PPO Plans Single Coverage 2008.7 Table 5. Premiums by State All Small Groups 2008 .9 Table 6. Premiums by State Groups with 26 to 50 Employees 2008.10 Table 7 Premiums by State Groups with 11 to 25 Employees 2008 .11 Table 8. Premiums by State Groups with 10 or Fewer Employees 2008 .12 Table 9. Premium Variation by Small Group Size Single Monthly Premiums 2008.13 III. Products Purchased by Small Groups.14 Table 10. Product Type by Number of Covered Employees Small Group Market 2008.14 Table 11. Probability of a Choice of Plans or Benefit Package Small Group Market 2008 .15 Table 12. Choices Available to Employees with HSA HDHP Plans Small Group Market 2008.15 Table 13. Other Plans Available to HSA HDHP Enrollees with a Choice of Plans Small Group Market 2008.15 Table 14. Percentage of Small Group Employees with a Choice of HSA HDHP Plan or Other Plans that Choose HSA HDHP Coverage 2008 .15 Table 15. Comparison of Average Annual Out-of-Pocket Limits HSA Plans vs. PPO Plans Small Group Market 2008.16 IV. Detailed Benefit Information.17 Table 16. Benefit Characteristics by Product Small Group Market 2008 .17 Table 17 Distribution of Policies by Deductible Level Small Group Market 2008.18 Table 18. Coinsurance Levels Small Group Market 2008.18 Table 19. Primary Care Office Visit Copayments Small Group Market 2008 .19 Table 20. Specialist Office Visit Copayments Small Group Market 2008.19 Table 21. Annual Out-of-Pocket Limits Small Group Market 2008.20 Table 22. Lifetime Maximum Benefits Small .
