This is the accessible text file for GAO report number GAO-14-524R entitled 'Private Health Insurance: The Range of Average Annual Premiums in the Small Group Market by State in Early 2013' which was released on June 24, 2014. This text file was formatted by the U.S. Government Accountability Office (GAO) to be accessible to users with visual impairments, as part of a longer term project to improve GAO products' accessibility. Every attempt has been made to maintain the structural and data integrity of the original printed product. Accessibility features, such as text descriptions of tables, consecutively numbered footnotes placed at the end of the file, and the text of agency comment letters, are provided but may not exactly duplicate the presentation or format of the printed version. The portable document format (PDF) file is an exact electronic replica of the printed version. We welcome your feedback. Please E-mail your comments regarding the contents or accessibility features of this document to Webmaster@gao.gov. This is a work of the U.S. government and is not subject to copyright protection in the United States. It may be reproduced and distributed in its entirety without further permission from GAO. Because this work may contain copyrighted images or other material, permission from the copyright holder may be necessary if you wish to reproduce this material separately. GAO-14-524R: [End of section] United States Government Accountability Office: GAO: 441 G St. N.W. Washington, DC 20548: May 28, 2014: The Honorable Orrin G. Hatch: Ranking Member: Committee on Finance: United States Senate: Private Health Insurance: The Range of Average Annual Premiums in the Small Group Market by State in Early 2013: Dear Senator Hatch: About 19 million Americans obtained health coverage through health insurance plans purchased in the small group market in 2011.[Footnote 1] These Americans included employees of small employers and their dependents. Not all small employers choose to offer health insurance to their employees and, while federal and state requirements have helped to ensure small employers and their employees have access to health insurance, small employers have consistently cited the cost of health insurance as the primary reason for not offering coverage to their employees.[Footnote 2] Insurers have historically set premiums for small group plans using some form of either medical underwriting or community rating, both of which were subject to regulation under state law.[Footnote 3] In general, such regulation included restrictions limiting how insurers could vary premiums for different small employers, the factors--such as, age, gender, and health status of employees--that could be considered when setting premiums rates for the employer group, and the range of variation among premiums rates across employers. Even with these restrictions, however, a small employer could be subject to significant increases in premiums from one year to the next if, for example, a single employee became seriously ill during the previous year. The Patient Protection and Affordable Care Act (PPACA) included a number of provisions that changed the requirements for small group health plans and that could affect the cost of premiums paid by small employers and their employees for such plans.[Footnote 4] For example, starting in January 2014, insurers are no longer able to consider the average health status of a small group to set premium rates and will be restricted in the amount they can vary premiums based on the ages and tobacco use of employees within a small group.[Footnote 5] PPACA also established a set of minimum essential health benefits for new small group market health plans, and established tax credits for eligible small employers that offer health insurance to their employees.[Footnote 6] As a result, insurers may have changed, and may continue to change, the way premiums are calculated for the small group market. You asked us to examine premium amounts for the small group market that existed prior to the implementation of PPACA provisions in 2014. This report examines the range of average premiums for health insurance in the small group market during the first quarter of 2013. To examine the range of average premiums in the small group market, we analyzed data maintained by the Center for Consumer Information and Insurance Oversight (CCIIO) within the Department of Health and Human Services' (HHS) Centers for Medicare & Medicaid Services (CMS) for its online portal--the HealthCare.gov Plan Finder (Plan Finder).[Footnote 7] This data, which we obtained directly from CCIIO, included the total amount of premiums paid and the number of covered lives for insurance products available in the first quarter of 2013.[Footnote 8] The premium data represent the combined amounts paid by both employers and employees for single as well as family coverage and, for each product, combine the data of all employers that purchased that product.[Footnote 9] These data and other supporting product information were self-reported by each insurance company, and each company was required to comply with a data validation and attestation process. For each product, we calculated an average annual premium per covered life based on the premium and enrollment data submitted by the insurers. Actual average premiums per covered life for each employer may have been higher or lower than our calculated average premiums per covered life, because each employer's premiums would have been determined based on the health status of its employees and other factors. We excluded 67 products from our analysis. These exclusions include outliers that had annual average premiums at the lowest and: the highest extremes of the distribution.[Footnote 10] We developed ranges of average annual premiums for each of the 50 states and the District of Columbia by network provider types including preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service.[Footnote 11] These ranges could vary widely within a particular state for a number of reasons, including significant differences in the services covered, cost sharing features selected, and the factors considered when insurers set the premium rates for each small employer.[Footnote 12] To verify the reliability of the data, we reviewed the requirements for the data validation and attestation process, reviewed the user manual for the database that houses the information submitted to CCIIO, and interviewed key CCIIO officials responsible for overseeing the submission and maintenance of the data. We determined that the 2013 data were sufficiently reliable for our purposes. We conducted our work from January 2014 to May 2014 in accordance with all sections of GAO's Quality Assurance Framework that are relevant to our objectives. The framework requires that we plan and perform the engagement to obtain sufficient and appropriate evidence to meet our stated objectives and to discuss any limitations in our work. We believe that the information and data obtained, and the analysis conducted, provide a reasonable basis for any findings and conclusions. The range of average premiums paid in the small group market during the first quarter of 2013 in each of the 50 states and the District of Columbia is reported in enclosure I. Agency Comments: The Department of Health and Human Services reviewed a draft of this report and provided technical comments, which we incorporated as appropriate. As agreed with your office, unless you publicly announce the contents of this report earlier, we plan no further distribution until 30 days from the report date. At that time, we will send copies of this report to the Secretary of Health and Human Services and other interested parties. In addition, the report will be available at no charge on GAO's website at [hyperlink, http://www.gao.gov]. If you or your staff have any questions about this information, please contact me at (202) 512-7114 or dickenj@gao.gov. Contact points for our Offices of Congressional Relations and Public Affairs may be found on the last page of this report. Major contributors to this report were: Gerardine Brennan, Assistant Director; Todd D. Anderson; George Bogart; Aaron Holling; and Laurie Pachter. Sincerely yours, Signed by: John E. Dicken: Director, Health Care: Enclosure - 1: [End of section] Average Annual Premiums per Covered Life in Each State: Table 1: In Alabama, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All: 20 products available. Average premium (dollars); Product with minimum average premium: $2,483; Product with median average premium: $3,995; Product with maximum average premium: $15,990. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $350; Product with maximum average premium: $250-1,000. Co-pay options (dollars); Product with minimum average premium: $20-$50; Product with median average premium: $35; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 10-50; Product with median average premium: 0-20; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,500-$15,000; Product with median average premium: $1,500; Product with maximum average premium: $500-1,500. Network provider type: Preferred provider organization; 13 products available. Average premium (dollars); Product with minimum average premium: $2,483; Product with median average premium: $3,995; Product with maximum average premium: $15,990. Annual deductible options (dollars); Product with minimum average premium: $1,500-$5,000; Product with median average premium: $350; Product with maximum average premium: $250-1,000. Co-pay options (dollars); Product with minimum average premium: $20-$50; Product with median average premium: $35; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 10-50; Product with median average premium: 0-20; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,500-15,000; Product with median average premium: $1,500; Product with maximum average premium: $500-1,500. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: $3,353; Product with median average premium: $4,059; Product with maximum average premium: $4,886. Annual deductible options (dollars); Product with minimum average premium: $250-2,500; Product with median average premium: $600; Product with maximum average premium: $200. Co-pay options (dollars); Product with minimum average premium: $30-35; Product with median average premium: $40; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 20; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $250-5,000; Product with median average premium: $2,500; Product with maximum average premium: $600. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: 3,531; Product with median average premium: N/A; Product with maximum average premium: $3,764. Annual deductible options (dollars); Product with minimum average premium: $250-5,000; Product with median average premium: N/A; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: $25-35; Product with median average premium: N/A; Product with maximum average premium: $20-35. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: N/A; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $250-7,500; Product with median average premium: N/A; Product with maximum average premium: $250-7,500. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. All cost sharing features are for the use of in-network providers. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 2: In Alaska, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; Average premium (dollars); Product with minimum average premium: $5,742; Product with median average premium: $7,691; Product with maximum average premium: $12,200. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $1,500-5,950; Product with maximum average premium: $1,500. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: 0; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-40; Product with maximum average premium: 20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $5,000-5,950; Product with maximum average premium: $6,500. Network provider type: Preferred provider organization; 8 products available. Average premium (dollars); Product with minimum average premium: $5,742; Product with median average premium: $7,691; Product with maximum average premium: $12,200. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $1,500-5,950; Product with maximum average premium: $1,500. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: 0; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-40; Product with maximum average premium: 20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $5,000-5,950; Product with maximum average premium: $6,500. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: 9,995; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: 0; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: *; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: *; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $5,000; Product with maximum average premium: N/A. Legend: N/A = Not applicable. * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 3: In Arizona, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 20 products available. Average premium (dollars); Product with minimum average premium: $754; Product with median average premium: $3,441; Product with maximum average premium: $13,391. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,000; Product with median average premium: $500-5,000; Product with maximum average premium: $2,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-30; Product with maximum average premium: $30-50. Coinsurance options (percent); Product with minimum average premium: 10-20; Product with median average premium: 0-30; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000-7,500[A]; Product with maximum average premium: $3,000. Network provider type: Preferred provider organization; 8 products available. Average premium (dollars); Product with minimum average premium: $754; Product with median average premium: $3,378; Product with maximum average premium: $6,779. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,000; Product with median average premium: $250-10,000; Product with maximum average premium: $5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $15-30; Product with maximum average premium: 0. Coinsurance options (percent); Product with minimum average premium: 10-20; Product with median average premium: 0-50; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $2,000-15,000[A]; Product with maximum average premium: $5,000. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: $2,845; Product with median average premium: $4,934; Product with maximum average premium: $13,391. Annual deductible options (dollars); Product with minimum average premium: $0-5,000; Product with median average premium: $500-3,000; Product with maximum average premium: $2,000. Co-pay options (dollars); Product with minimum average premium: $0-45; Product with median average premium: $20-30; Product with maximum average premium: $30-50. Coinsurance options (percent); Product with minimum average premium: 0-100; Product with median average premium: 20-30; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-6,050[A]; Product with median average premium: $2,000-6,000; Product with maximum average premium: $3,000. Network provider type: Other; 7 products available. Average premium (dollars); Product with minimum average premium: $2,272; Product with median average premium: $3,441; Product with maximum average premium: $4,299. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $500-5,000; Product with maximum average premium: $2,500-4,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 10-20; Product with median average premium: 0-30; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000-7,500[A]; Product with maximum average premium: $5,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 4: In Arkansas, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 17 products available. Average premium (dollars); Product with minimum average premium: $1,651; Product with median average premium: $3,630; Product with maximum average premium: $7,425. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $250-5,000; Product with maximum average premium: $0-5,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $20-35; Product with maximum average premium: $10-35. Coinsurance options (percent); Product with minimum average premium: 10; Product with median average premium: 0-20; Product with maximum average premium: 20-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-2,000; Product with median average premium: $500-2,000[A]; Product with maximum average premium: $500-10,000[A]. Network provider type: Preferred provider organization; 10 products available. Average premium (dollars); Product with minimum average premium: $1,651; Product with median average premium: $3,630; Product with maximum average premium: $7,425. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $250-5,000; Product with maximum average premium: $0-5,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $20-35; Product with maximum average premium: $10-35. Coinsurance options (percent); Product with minimum average premium: 10; Product with median average premium: 0-20; Product with maximum average premium: 20-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-2,000; Product with median average premium: $500-2,000[A]; Product with maximum average premium: $500-10,000[A]. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 7 products available. Average premium (dollars); Product with minimum average premium:$ 3,014; Product with median average premium: $3,634; Product with maximum average premium: $7,056. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,900; Product with median average premium: $500-5,000; Product with maximum average premium: $250-500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $10-45; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-3,000[A]; Product with median average premium: $1,000-10,000; Product with maximum average premium: $1,000-2,000. [End of table] Legend: N/A = Not applicable. * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 5: In California, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 47 products available. Average premium (dollars); Product with minimum average premium: $989; Product with median average premium: $4,379; Product with maximum average premium: $16,718. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $2,500; Product with maximum average premium: $3,000-5,000. Co-pay options (dollars); Product with minimum average premium: $0-40; Product with median average premium: *; Product with maximum average premium: $0-30. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 20; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,000; Product with median average premium: $4,000-8,000; Product with maximum average premium: $4,000-6,000. Network provider type: Preferred provider organization; 17 products available. Average premium (dollars); Product with minimum average premium: $3,329; Product with median average premium: $4,634; Product with maximum average premium: $11,284. Annual deductible options (dollars); Product with minimum average premium: $300-10,000; Product with median average premium: $1,800-5,000; Product with maximum average premium: $0-2,500. Co-pay options (dollars); Product with minimum average premium: $0-50; Product with median average premium: *; Product with maximum average premium: $10-25. Coinsurance options (percent); Product with minimum average premium: 20-50; Product with median average premium: 20; Product with maximum average premium: 80-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: $6,000-16,000; Product with median average premium: $3,000-6,000; Product with maximum average premium: $1,000-5,000. Network provider type: Health maintenance organization; 22 products available. Average premium (dollars); Product with minimum average premium: $989; Product with median average premium: $4,102; Product with maximum average premium: $16,718. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-1,500; Product with maximum average premium: $3,000-5,000. Co-pay options (dollars); Product with minimum average premium: $0-40; Product with median average premium: $10-50; Product with maximum average premium: $0-30. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-30; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,000; Product with median average premium: $1,500-4,000; Product with maximum average premium: $4,000-6,000. Network provider type: Other; 8 products available. Average premium (dollars); Product with minimum average premium: $2,319; Product with median average premium: $4,872; Product with maximum average premium: $9,670. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $250-7,500; Product with maximum average premium: $250-500. Co-pay options (dollars); Product with minimum average premium: $5; Product with median average premium: $20-50; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: 10-50; Product with maximum average premium: 10-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500; Product with median average premium: $3,000-10,000; Product with maximum average premium: $1,500-3,500. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 6: In Colorado, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 19 products available. Average premium (dollars); Product with minimum average premium: $586; Product with median average premium: $4,386; Product with maximum average premium: $14,866. Annual deductible options (dollars); Product with minimum average premium: $500-5,950; Product with median average premium: $1,500-4,000; Product with maximum average premium: $1,500. Co-pay options (dollars); Product with minimum average premium: $35-50; Product with median average premium: *; Product with maximum average premium: $30. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 10-20; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,400-5,950; Product with median average premium: $5,000; Product with maximum average premium: $4,500. Network provider type: Preferred provider organization; 7 products available. Average premium (dollars); Product with minimum average premium: $2,793; Product with median average premium: $6,621; Product with maximum average premium: $14,866. Annual deductible options (dollars); Product with minimum average premium: $750-2,000; Product with median average premium: 0; Product with maximum average premium: $1,500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $40-50; Product with maximum average premium: $30. Coinsurance options (percent); Product with minimum average premium: 20-30; Product with median average premium: 0; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,000; Product with median average premium: $5,000-6,000; Product with maximum average premium: $4,500. Network provider type: Health maintenance organization; 6 products available. Average premium (dollars); Product with minimum average premium: $586; Product with median average premium: $5,467; Product with maximum average premium: $8,447. Annual deductible options (dollars); Product with minimum average premium: $500-5,950; Product with median average premium: $0-2,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $35-50; Product with median average premium: $10-45; Product with maximum average premium: $30. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 10-40; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,400-5,950; Product with median average premium: $3,000-10,000; Product with maximum average premium: $4,000. Network provider type: Other; 6 products available. Average premium (dollars); Product with minimum average premium: $3,180; Product with median average premium: $4,252; Product with maximum average premium: $4,881. Annual deductible options (dollars); Product with minimum average premium: $500-1,000; Product with median average premium: $500-5,000; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-50; Product with maximum average premium: $25-30. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-30; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-2,000; Product with median average premium: $3,000-7,500[A]; Product with maximum average premium: $3,500-6,500. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 7: In Connecticut, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Products Sold in the Small Group Market by Network Provider Type, First Quarter 2013: Network provider type: All; 10 products available. Average premium (dollars); Product with minimum average premium: $3,351; Product with median average premium: $6,080; Product with maximum average premium: $8,617. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $2,500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-30; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-6,000; Product with median average premium: $5,000-6,050; Product with maximum average premium: No Limit. Network provider type: Preferred provider organization; 4 products available. Average premium (dollars); Product with minimum average premium: $4,177; Product with median average premium: $6,080; Product with maximum average premium: $7,856. Annual deductible options (dollars); Product with minimum average premium: $2,000-4,000; Product with median average premium: $2,500-5,000; Product with maximum average premium: $0-5,000. Co-pay options (dollars); Product with minimum average premium: $25-30; Product with median average premium: $0-30; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 10-50; Product with median average premium: *; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-8,000; Product with median average premium: $5,000-6,050; Product with maximum average premium: $1,500-15,000[A]. Network provider type: Health maintenance organization; 2 products available. Average premium (dollars); Product with minimum average premium: $5,688; Product with median average premium: N/A; Product with maximum average premium: $6,359. Annual deductible options (dollars); Product with minimum average premium: $0-2,500; Product with median average premium: N/A; Product with maximum average premium: $0-5,000. Co-pay options (dollars); Product with minimum average premium: 20-30; Product with median average premium: N/A; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: N/A; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-7,500[A]; Product with median average premium: N/A; Product with maximum average premium: $5,000-6,050. Network provider type: Other; 4 products available. Average premium (dollars); Product with minimum average premium: $3,351; Product with median average premium: $6,544; Product with maximum average premium: $8,617. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $30; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-6,000; Product with median average premium: No Limit; Product with maximum average premium: No Limit. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 8: In Delaware, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Options for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 11 products available. Average premium (dollars); Product with minimum average premium: $3,736; Product with median average premium: 5,671; Product with maximum average premium: 10,464. Annual deductible options (dollars); Product with minimum average premium: $0-2,500; Product with median average premium: 0-5,000; Product with maximum average premium: 0. Co-pay options (dollars); Product with minimum average premium: $10-40; Product with median average premium: 0-30; Product with maximum average premium: 10-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: 1,000-7,000[A]; Product with maximum average premium: 1,000-3,000. Network provider type: Preferred provider organization; 3 products available. Average premium (dollars); Product with minimum average premium: $4,796; Product with median average premium: 4,828; Product with maximum average premium: 5,064. Annual deductible options (dollars); Product with minimum average premium: $0-3,000; Product with median average premium: 1,500-2,500; Product with maximum average premium: 250-2,000. Co-pay options (dollars); Product with minimum average premium: $0-30; Product with median average premium: 30; Product with maximum average premium: 10-25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,600; Product with median average premium: 3,000-5,000; Product with maximum average premium: 1,000-5,000. Network provider type: Health maintenance organization; 3 products available. Average premium (dollars); Product with minimum average premium: $5,671; Product with median average premium: 6,296; Product with maximum average premium: 10,452. Annual deductible options (dollars); Product with minimum average premium: $0-5,000; Product with median average premium: 0; Product with maximum average premium: 250. Co-pay options (dollars); Product with minimum average premium: $0-30; Product with median average premium: 10-30; Product with maximum average premium: 10-20. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-7,000[A]; Product with median average premium: 1,000-3,000; Product with maximum average premium: 1,000-2,500. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $3,736; Product with median average premium: 7,245; Product with maximum average premium: 10,464. Annual deductible options (dollars); Product with minimum average premium: $0-2,500; Product with median average premium: 0-5,000; Product with maximum average premium: 0. Co-pay options (dollars); Product with minimum average premium: $10-40; Product with median average premium: 10-40; Product with maximum average premium: 10-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: 500-10,000[A]; Product with maximum average premium: 1,000-3,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 9: In the District of Columbia, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 21 products available. Average premium (dollars); Product with minimum average premium: $800; Product with median average premium: $3,635; Product with maximum average premium: $6,723. Annual deductible options (dollars); Product with minimum average premium: $1,400-2,000; Product with median average premium: $1,000-5,000; Product with maximum average premium: $0-1,500. Co-pay options (dollars); Product with minimum average premium: $0-30; Product with median average premium: $0; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-10; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,800-4,000; Product with median average premium: $3,500-10,000; Product with maximum average premium: $1,000-4,000. Network provider type: Preferred provider organization; 4 products available. Average premium (dollars); Product with minimum average premium: $3,635; Product with median average premium: $4,636; Product with maximum average premium: $5,732. Annual deductible options (dollars); Product with minimum average premium: $1,000-5,000; Product with median average premium: $0-2,500; Product with maximum average premium: $1,200-2,700. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $20-30; Product with maximum average premium: $0. Coinsurance options (percent); Product with minimum average premium: 0-10; Product with median average premium: 0-20; Product with maximum average premium: 0-10. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,500-10,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $2,400-5,000. Network provider type: Health maintenance organization; 7 products available. Average premium (dollars); Product with minimum average premium: $2,650; Product with median average premium: $3,380; Product with maximum average premium: $5,328. Annual deductible options (dollars); Product with minimum average premium: $0-500; Product with median average premium: $1,200-4,000; Product with maximum average premium: $0-1,500. Co-pay options (dollars); Product with minimum average premium: $10-30; Product with median average premium: $0-15; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,300-2,500; Product with median average premium: $2,400-5,250; Product with maximum average premium: $1,000-4,000. Network provider type: Other; 10 products available. Average premium (dollars); Product with minimum average premium: $800; Product with median average premium: $2,728; Product with maximum average premium: $6,723. Annual deductible options (dollars); Product with minimum average premium: $1,400-2,000; Product with median average premium: $1,200-4,000; Product with maximum average premium: $0-1,500. Co-pay options (dollars); Product with minimum average premium: $0-30; Product with median average premium: $0-15; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,800-4,000; Product with median average premium: $2,400-5,250; Product with maximum average premium: $1,000-4,000. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 10: In Florida, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 170 products available. Average premium (dollars); Product with minimum average premium: $1,345; Product with median average premium: $4,863; Product with maximum average premium: $17,883. Annual deductible options (dollars); Product with minimum average premium: $10,000-20,000; Product with median average premium: $500-1,000; Product with maximum average premium: $1,000-5,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $20; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $20,000-40,000; Product with median average premium: $4,000-8,000; Product with maximum average premium: $2,000-4,000[A]. Network provider type: Preferred provider organization; 36 products available. Average premium (dollars); Product with minimum average premium: $1,345; Product with median average premium: $4,690; Product with maximum average premium: $17,883. Annual deductible options (dollars); Product with minimum average premium: $10,000-20,000; Product with median average premium: $500-2,000; Product with maximum average premium: $1,000-5,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $30-40; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $20,000-40,000; Product with median average premium: $2,000-12,000; Product with maximum average premium: $2,000-4,000[A]. Network provider type: Health maintenance organization; 85 products available. Average premium (dollars); Product with minimum average premium: $1,784; Product with median average premium: $4,863; Product with maximum average premium: $13,051. Annual deductible options (dollars); Product with minimum average premium: $1,000-2,000; Product with median average premium: $500-1,000; Product with maximum average premium: 0. Co-pay options (dollars); Product with minimum average premium: $35; Product with median average premium: $20; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 50; Product with median average premium: 20; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-4,000; Product with median average premium: $4,000-8,000; Product with maximum average premium: $5,000-10,000. Network provider type: Other; 49 products available. Average premium (dollars); Product with minimum average premium: $1,473; Product with median average premium: $5,034; Product with maximum average premium: $13,574. Annual deductible options (dollars); Product with minimum average premium: $1,200-2,400; Product with median average premium: $10,000-20,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,000; Product with median average premium: $20,000-40,000; Product with maximum average premium: $3,000-7,500. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 11: In Georgia, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 38 products available. Average premium (dollars); Product with minimum average premium: $2,397; Product with median average premium: $4,462; Product with maximum average premium: $14,969. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,000; Product with median average premium: $0-10,000; Product with maximum average premium: $100-2,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-40; Product with maximum average premium: $5-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-30; Product with maximum average premium: 80-90. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,950; Product with median average premium: $500-15,000[A]; Product with maximum average premium: $500-5,500. Network provider type: Preferred provider organization; 12 products available. Average premium (dollars); Product with minimum average premium: $4,092; Product with median average premium: $6,549; Product with maximum average premium: $14,969. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $500-5,000; Product with maximum average premium: $100-2,000. Co-pay options (dollars); Product with minimum average premium: $0-25; Product with median average premium: $20-35; Product with maximum average premium: $5-25. Coinsurance options (percent); Product with minimum average premium: 80-100; Product with median average premium: 0-20; Product with maximum average premium: 80-90. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $1,000-3,000[A]; Product with maximum average premium: $500-5,500. Network provider type: Health maintenance organization; 6 products available. Average premium (dollars); Product with minimum average premium: $2,397; Product with median average premium: $4,294; Product with maximum average premium: $4,871. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,000; Product with median average premium: $1,500; Product with maximum average premium: $500-3,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $30-40; Product with maximum average premium: $25-40. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-20; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,950; Product with median average premium: $1,500-5,000; Product with maximum average premium: $500-7,500[A]. Network provider type: Other; 20 products available. Network provider type: Average premium (dollars); Product with minimum average premium: $2,834; Product with median average premium: $4,136; Product with maximum average premium: $6,876. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $2,000-9,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: $0; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,950; Product with median average premium: N/D[B]; Product with maximum average premium: $8,000. Legend: * = Value not reported by the insurer. N/D = Not able to determine. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [B] The insurer reported only a value of zero. We could not determine whether this indicated that no out-of-pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 12: In Hawaii, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 14 products available. Average premium (dollars); Product with minimum average premium: $3,054; Product with median average premium: $3,757; Product with maximum average premium: $11,539. Annual deductible options (dollars); Product with minimum average premium: $100; Product with median average premium: $0; Product with maximum average premium: $100. Co-pay options (dollars); Product with minimum average premium: $15; Product with median average premium: $14-20; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 10. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000; Product with median average premium: $2,500; Product with maximum average premium: $2,500. Network provider type: Preferred provider organization; 9 products available. Average premium (dollars); Product with minimum average premium: $3,054; Product with median average premium: $3,564; Product with maximum average premium: $11,539. Annual deductible options (dollars); Product with minimum average premium: $100; Product with median average premium: $0; Product with maximum average premium: $100. Co-pay options (dollars); Product with minimum average premium: $15; Product with median average premium: $0-15; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 10. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000; Product with median average premium: $2,500-7,500; Product with maximum average premium: $2,500. Network provider type: Health maintenance organization; 3 products available. Average premium (dollars); Product with minimum average premium: $3,713; Product with median average premium: $4,010; Product with maximum average premium: $4,219. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $0-20; Product with median average premium: $20; Product with maximum average premium: $0-20. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: *; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500; Product with median average premium: $2,500; Product with maximum average premium: $2,500. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $3,237; Product with median average premium: N/A; Product with maximum average premium: $3,757. Annual deductible options (dollars); Product with minimum average premium: $300; Product with median average premium: N/A; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $17-20; Product with median average premium: N/A; Product with maximum average premium: $14-20. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: N/A; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000; Product with median average premium: N/A; Product with maximum average premium: $2,500. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 13: In Idaho, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 16 products available; Average premium (dollars); Product with minimum average premium: $1,799; Product with median average premium: $3,192; Product with maximum average premium: $15,739. Annual deductible options (dollars); Product with minimum average premium: $500-7,500; Product with median average premium: $500-7,500; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-40; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-30; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-4,000; Product with median average premium: $2,000-4,000; Product with maximum average premium: $2,500-6,000. Network provider type: Preferred provider organization; 10 products available. Average premium (dollars); Product with minimum average premium: $1,799; Product with median average premium: $3,023; Product with maximum average premium: $3,335. Annual deductible options (dollars); Product with minimum average premium: $500-7,500; Product with median average premium: $1,500-6,050; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: $20-40. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-20; Product with maximum average premium: 10-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-4,000; Product with median average premium: $5,000-6,050; Product with maximum average premium: $1,500-4,500. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 6 products available. Average premium (dollars); Product with minimum average premium: $2,573; Product with median average premium: $3,971; Product with maximum average premium: $15,739. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $0; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $10-30; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,000-5,000; Product with median average premium: $1,000-5,000; Product with maximum average premium: $2,500-6,000. Legend: * = Value not reported by the insurer. N/A = Not applicable: Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 14: In Illinois, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 52 products available. Average premium (dollars); Product with minimum average premium: $2,406; Product with median average premium: $4,891; Product with maximum average premium: $12,250. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $2,500-5,000; Product with maximum average premium: $100-2,000. Co-pay options (dollars); Product with minimum average premium: $35; Product with median average premium: *; Product with maximum average premium: $5-25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-30; Product with maximum average premium: 80-90. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $2,500-5,000; Product with maximum average premium: $500-5,500. Network provider type: Preferred provider organization; 37 products available. Average premium (dollars); Product with minimum average premium: $2,406; Product with median average premium: $4,787; Product with maximum average premium: $12,250. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $100-2,000. Co-pay options (dollars); Product with minimum average premium: $35; Product with median average premium: *; Product with maximum average premium: $5-25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-30; Product with maximum average premium: 80-90. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $500-5,500. Network provider type: Health maintenance organization; 10 products available. Average premium (dollars); Product with minimum average premium: $4,209; Product with median average premium: $5,741; Product with maximum average premium: $10,266. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: 25-35. Coinsurance options (percent); Product with minimum average premium: $20; Product with median average premium: $20; Product with maximum average premium: $0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-3,000; Product with median average premium: $1,000-3,000; Product with maximum average premium: $1,500-3,000. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $3,876; Product with median average premium: $7,924; Product with maximum average premium: $11,959. Annual deductible options (dollars); Product with minimum average premium: $250-7,500; Product with median average premium: $0; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: $0-50; Product with median average premium: $30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 20; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-10,000; Product with median average premium: $3,000; Product with maximum average premium: $1,000-2,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 15: In Indiana, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 31 products available. Average premium (dollars); Product with minimum average premium: $953; Product with median average premium: $4,435; Product with maximum average premium: $17,734. Annual deductible options (dollars); Product with minimum average premium: $4,000; Product with median average premium: $1,000-3,000; Product with maximum average premium: $0-3,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $25-35; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-20; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: No Limit; Product with median average premium: $5,000; Product with maximum average premium: $1,250-8,000[A]. Network provider type: Preferred provider organization; 22 products available. Average premium (dollars); Product with minimum average premium: $953; Product with median average premium: $4,435; Product with maximum average premium: $16,486. Annual deductible options (dollars); Product with minimum average premium: $4,000; Product with median average premium: $1,000-3,000; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $25-35; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: $0; Product with median average premium: $0-20; Product with maximum average premium: $0. Out-of-pocket maximum options (dollars); Product with minimum average premium: No Limit; Product with median average premium: $5,000; Product with maximum average premium: $2,500. Network provider type: Health maintenance organization; 3 products available. Average premium (dollars); Product with minimum average premium: $3,218; Product with median average premium: $3,963; Product with maximum average premium: $17,104. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,950; Product with median average premium: $0-5,000; Product with maximum average premium: $0-3,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $10-35; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-50; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,950; Product with median average premium: $500-10,000; Product with maximum average premium: $1,300-8,000[A]. Network provider type: Other; 6 products available. Average premium (dollars); Product with minimum average premium: $2,859; Product with median average premium: $9,192; Product with maximum average premium: $17,734. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,950; Product with median average premium: $0; Product with maximum average premium: $0-3,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: *; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,950; Product with median average premium: $3,000; Product with maximum average premium: $1,250-8,000[A]. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 16: In Iowa, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 27 products available. Average premium (dollars); Product with minimum average premium: $896; Product with median average premium: $3,828; Product with maximum average premium: $13,238. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $250-5,000; Product with maximum average premium: $500. Co-pay options (dollars); Product with minimum average premium: $25; Product with median average premium: $0-30; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-30; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $1,000-15,000; Product with maximum average premium: $2,000. Network provider type: Preferred provider organization; 6 products available. Average premium (dollars); Product with minimum average premium: $896; Product with median average premium: $2,072; Product with maximum average premium: $13,238. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $1,000-1,500; Product with maximum average premium: $500. Co-pay options (dollars); Product with minimum average premium: $25; Product with median average premium: $20; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 20-50; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $2,000-4,000; Product with maximum average premium: $2,000. Network provider type: Health maintenance organization; 10 products available. Average premium (dollars); Product with minimum average premium: $3,060; Product with median average premium: $4,224; Product with maximum average premium: $6,292. Annual deductible options (dollars); Product with minimum average premium: $1,500-3,000; Product with median average premium: $500-3,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-25; Product with maximum average premium: $20-35. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 20-30; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $1,500-9,000; Product with maximum average premium: $1,000. Network provider type: Other; 11 products available. Average premium (dollars); Product with minimum average premium: $1,110; Product with median average premium: $3,075; Product with maximum average premium: $8,126. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $1,250-2,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $2,500-5,000; Product with maximum average premium: $1,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 17: In Kansas, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 24 products available. Average premium (dollars); Product with minimum average premium: $775; Product with median average premium: $3,957; Product with maximum average premium: $15,522. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $250-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $30-40; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: 0-50; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $1,000-5,000; Product with maximum average premium: $2,500. Network provider type: Preferred provider organization; 17 products available. Average premium (dollars); Product with minimum average premium: $775; Product with median average premium: $3,957; Product with maximum average premium: $5,022. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $250-5,000; Product with maximum average premium: $500-10,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $30-40; Product with maximum average premium: $20-40. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: 0-50; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $1,000-5,000; Product with maximum average premium: $3,200-30,000. Network provider type: Health maintenance organization; 2 products available. Average premium (dollars); Product with minimum average premium: $3,073; Product with median average premium: N/A; Product with maximum average premium: $4,811. Annual deductible options (dollars); Product with minimum average premium: $0-1,499; Product with median average premium: N/A; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-39; Product with median average premium: N/A; Product with maximum average premium: $15-40. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: N/A; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-2,999; Product with median average premium: N/A; Product with maximum average premium: No Limit. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $2,292; Product with median average premium: $3,712; Product with maximum average premium: $15,522. Annual deductible options (dollars); Product with minimum average premium: $500-1,000; Product with median average premium: $0-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $15-40; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-50; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-2,000; Product with median average premium: $1,000-5,000[A]; Product with maximum average premium: $2,500. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 18: In Kentucky, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 276 products available. Average premium (dollars); Product with minimum average premium: $574; Product with median average premium: $1,311; Product with maximum average premium: $14,603. Annual deductible options (dollars); Product with minimum average premium: $4,000; Product with median average premium: $1,000; Product with maximum average premium: $750. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: No Limit; Product with median average premium: No Limit; Product with maximum average premium: $3,000. Network provider type: Preferred provider organization; 246 products available. Average premium (dollars); Product with minimum average premium: $574; Product with median average premium: $1,261; Product with maximum average premium: $4,197. Annual deductible options (dollars); Product with minimum average premium: $4,000; Product with median average premium: $2,500; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-30; Product with maximum average premium: $15-40. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: No Limit; Product with median average premium: No Limit; Product with maximum average premium: $1,000-20,000. Network provider type: Health maintenance organization; 21 products available. Average premium (dollars); Product with minimum average premium: $1,658; Product with median average premium: $3,117; Product with maximum average premium: $14,603. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $2,000; Product with maximum average premium: $750. Co-pay options (dollars); Product with minimum average premium: $0-20; Product with median average premium: $25; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: $0; Product with median average premium: $0-20; Product with maximum average premium: $0. Out-of-pocket maximum options (dollars); Product with minimum average premium: No Limit; Product with median average premium: $2,500; Product with maximum average premium: $3,000. Network provider type: Other; $9 products available. Average premium (dollars); Product with minimum average premium: $2,288; Product with median average premium: $3,083; Product with maximum average premium: $5,260. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $1,500-4,000; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: *; Product with maximum average premium: $25-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 10-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $5,000; Product with maximum average premium: $3,000-10,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 19: In Louisiana, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 47 products available. Average premium (dollars); Product with minimum average premium: $992; Product with median average premium: $3,773; Product with maximum average premium: $9,882. Annual deductible options (dollars); Product with minimum average premium: $1,000-3,000; Product with median average premium: $0; Product with maximum average premium: $0-10,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $40-50; Product with maximum average premium: $0-40. Coinsurance options (percent); Product with minimum average premium: 10; Product with median average premium: 0; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000; Product with median average premium: $5,000-6,000; Product with maximum average premium: $500-10,000[A]. Network provider type: Preferred provider organization; 19 products available. Average premium (dollars); Product with minimum average premium: $992; Product with median average premium: $3,780; Product with maximum average premium: $9,882. Annual deductible options (dollars); Product with minimum average premium: $1,000-3,000; Product with median average premium: $2,500-4,000; Product with maximum average premium: $0-10,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $30; Product with maximum average premium: $0-40. Coinsurance options (percent); Product with minimum average premium: 10; Product with median average premium: 0; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000; Product with median average premium: $5,950; Product with maximum average premium: $500-10,000[A]. Network provider type: Health maintenance organization; 8 products available. Average premium (dollars); Product with minimum average premium: $1,171; Product with median average premium: $3,775; Product with maximum average premium: $5,017. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15; Product with median average premium: $40-50; Product with maximum average premium: $15-30. Coinsurance options (percent); Product with minimum average premium: 30; Product with median average premium: 0; Product with maximum average premium: 20-60. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,500; Product with median average premium: $5,000-6,000; Product with maximum average premium: $2,000-4,000. Network provider type: Other; 20 products available. Average premium (dollars); Product with minimum average premium: $1,203; Product with median average premium: $3,773; Product with maximum average premium: $6,833. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $0; Product with maximum average premium: $1,000. Co-pay options (dollars); Product with minimum average premium: $25-50; Product with median average premium: $40-50; Product with maximum average premium: $40. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: No Limit; Product with median average premium: $5,000-6,000; Product with maximum average premium: $1,500. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 20: In Maine, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 12 products available. Average premium (dollars); Product with minimum average premium: $3,028; Product with median average premium: $4,407; Product with maximum average premium: $6,348. Annual deductible options (dollars); Product with minimum average premium: $2,500-10,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $500-2,850. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $30; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000-12,000; Product with median average premium: $4,000-7,000; Product with maximum average premium: $1,000-4,850. Network provider type: Preferred provider organization; 6 products available. Average premium (dollars); Product with minimum average premium: $3,276; Product with median average premium: $4,752; Product with maximum average premium: $4,881. Annual deductible options (dollars); Product with minimum average premium: $2,500-6,000; Product with median average premium: $500-10,000; Product with maximum average premium: $2,500-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25; Product with maximum average premium: $35. Coinsurance options (percent); Product with minimum average premium: $20; Product with median average premium: $10-20; Product with maximum average premium: $20-40. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-10,000; Product with median average premium: $1,500-14,000; Product with maximum average premium: $4,000-8,000. Network provider type: Health maintenance organization; 4 products available. Average premium (dollars); Product with minimum average premium: $3,028; Product with median average premium: $4,150; Product with maximum average premium: $5,057. Annual deductible options (dollars); Product with minimum average premium: $2,500-10,000; Product with median average premium: $500-2,000; Product with maximum average premium: $2,000-3,500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20-30; Product with maximum average premium: 20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000-12,000; Product with median average premium: $2,000-7,000; Product with maximum average premium: $4,500-5,500. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $4,308; Product with median average premium: N/A; Product with maximum average premium: $6,348. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: N/A; Product with maximum average premium: $500-2,850. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: N/A; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: N/A; Product with maximum average premium: $0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,500; Product with median average premium: N/A; Product with maximum average premium: $1,000-4,850. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 21: In Maryland, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 36 products available. Average premium (dollars); Product with minimum average premium: $1,025; Product with median average premium: $4,564; Product with maximum average premium: $8,957. Annual deductible options (dollars); Product with minimum average premium: $1,500; Product with median average premium: $1,200-2,700; Product with maximum average premium: $0-1,500. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $10-30; Product with maximum average premium: $25-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000; Product with median average premium: $1,000-5,250; Product with maximum average premium: $2,500-6,000. Network provider type: Preferred provider organization; 13 products available. Average premium (dollars); Product with minimum average premium: $2,708; Product with median average premium: $5,310; Product with maximum average premium: $6,255. Annual deductible options (dollars); Product with minimum average premium: $250-2,500; Product with median average premium: $500-2,500; Product with maximum average premium: $0-2,750. Co-pay options (dollars); Product with minimum average premium: $20-40; Product with median average premium: $0-30; Product with maximum average premium: $10-40. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: *; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-4,900; Product with median average premium: $2,000-5,000; Product with maximum average premium: $1,000-5,250. Network provider type: Health maintenance organization; 11 products available. Average premium (dollars); Product with minimum average premium: $1,386; Product with median average premium: $4,104; Product with maximum average premium: $5,033. Annual deductible options (dollars); Product with minimum average premium: $1,500-2,500; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $5-30; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-4,900; Product with median average premium: $3,300; Product with maximum average premium: $2,900. Network provider type: Other; 12 products available. Average premium (dollars); Product with minimum average premium: $1,025; Product with median average premium: $5,805; Product with maximum average premium: $8,957. Annual deductible options (dollars); Product with minimum average premium: $1,500; Product with median average premium: $0; Product with maximum average premium: $0-1,500. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $10-30; Product with maximum average premium: $25-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000; Product with median average premium: $2,900; Product with maximum average premium: $2,500-6,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 22: In Massachusetts, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 52 products available. Average premium: (dollars); Product with minimum average premium: $2,254; Product with median average premium: 4,470; Product with maximum average premium: : $7,541. Annual deductible options (dollars); Product with minimum average premium: : $1,500-6,000; Product with median average premium: 1,000; Product with maximum average premium: : $3,000-4,500. Co-pay options (dollars); Product with minimum average premium: $25; Product with median average premium: 0-20; Product with maximum average premium: $15-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum: $options (dollars); Product with minimum average premium: $3,000-10,000; Product with median average premium: 2,000-4,000; Product with maximum average premium: $5,000. Network provider type: Preferred provider organization; 15 products available. Average premium: (dollars); Product with minimum average premium: $2,254; Product with median average premium: 4,789; Product with maximum average premium: $7,541. Annual deductible options (dollars); Product with minimum average premium: $1,500-6,000; Product with median average premium: 2,000; Product with maximum average premium: $3,000-4,500. Co-pay options (dollars); Product with minimum average premium: $25; Product with median average premium: 0-20; Product with maximum average premium: $15-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: *; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-10,000; Product with median average premium: 4,000-8,000; Product with maximum average premium: $5,000. Network provider type: Health maintenance organization; 36 products available. Average premium: (dollars); Product with minimum average premium: $2,293; Product with median average premium: 4,367; Product with maximum average premium: $6,337. Annual deductible options (dollars); Product with minimum average premium: $2,000-4,000; Product with median average premium: 1,500-3,000; Product with maximum average premium: $0-1,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: 15-60; Product with maximum average premium: $15-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20-35; Product with maximum average premium: 20-50. Out-of-pocket maximum: options (dollars); Product with minimum average premium: $5,000-10,000; Product with median average premium: $5,000-5,800; Product with maximum average premium: $2,000-5,000[A]. Network provider type: Other; 1 product available. Average premium: (dollars); Product with minimum average premium: N/A; Product with median average premium: 5,738; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0-5,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $20-30; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: 0-50; Product with maximum average premium: N/A. Out-of-pocket maximum: options (dollars); Product with minimum average premium: N/A; Product with median average premium: 1,000-6,000; Product with maximum average premium: N/A. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 23: In Michigan, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 44 products available. Average premium (dollars); Product with minimum average premium: $1,147; Product with median average premium: $3,910; Product with maximum average premium: $10,391. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $1,500-8,000; Product with maximum average premium: $500-2,500. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: *; Product with maximum average premium: $20-40. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-30; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-10,000; Product with median average premium: $3,000-5,000[A]; Product with maximum average premium: $2,500. Network provider type: Preferred provider organization; 29 products available. Average premium (dollars); Product with minimum average premium: $1,203; Product with median average premium: $4,019; Product with maximum average premium: $10,391. Annual deductible options (dollars); Product with minimum average premium: $0-5,000; Product with median average premium: $1,000-8,000; Product with maximum average premium: $500-2,500. Co-pay options (dollars); Product with minimum average premium: $10-30; Product with median average premium: $20-40; Product with maximum average premium: $20-40. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-30; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $500-10,000[A]; Product with median average premium: $2,000-5,000[A]; Product with maximum average premium: $2,500. Network provider type: Health maintenance organization; 10 products available. Average premium (dollars); Product with minimum average premium: $1,147; Product with median average premium: $3,221; Product with maximum average premium: $4,727. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $1,000-3,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $20-30; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 20-50; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-10,000; Product with median average premium: $1,500-2,500; Product with maximum average premium: No Limit. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $2,368; Product with median average premium: $4,484; Product with maximum average premium: $6,796. Annual deductible options (dollars); Product with minimum average premium: $250-3,000; Product with median average premium: $0-3,000; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: $0-40; Product with median average premium: $15-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-40; Product with median average premium: 0-20; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-5,000; Product with median average premium: $250-4,000[A]; Product with maximum average premium: $1,000-2,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 24: In Minnesota, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 16 products available. Average premium (dollars); Product with minimum average premium: $2,887; Product with median average premium: $4,114; Product with maximum average premium: $8,152. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,500; Product with median average premium: $0-4,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25-50; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 75-100; Product with median average premium: 75-100; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,950; Product with median average premium: $2,000-9,500; Product with maximum average premium: $1,500. Network provider type: Preferred provider organization; 10 products available. Average premium (dollars); Product with minimum average premium: $2,887; Product with median average premium: $4,428; Product with maximum average premium: $8,152. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,500; Product with median average premium: $300-6,250; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25-50; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 75-100; Product with median average premium: 0-30; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,950; Product with median average premium: $1,750-6,250; Product with maximum average premium: $1,500. Network provider type: Health maintenance organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $3,139; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0-3,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0-45; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: 20; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $2,500-4,500; Product with maximum average premium: N/A. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $2,953; Product with median average premium: $4,069; Product with maximum average premium: $4,416. Annual deductible options (dollars); Product with minimum average premium: $1,500-4,500; Product with median average premium: $1,200-6,000; Product with maximum average premium: $0-4,500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0; Product with maximum average premium: $25-50. Coinsurance options (percent); Product with minimum average premium: $75-100; Product with median average premium: $0-20; Product with maximum average premium: $75-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,950; Product with median average premium: $1,200-6,050; Product with maximum average premium: $2,000-9,500. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 25: In Mississippi, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 12 products available. Average premium (dollars); Product with minimum average premium: $1,006; Product with median average premium: $2,586; Product with maximum average premium: $5,373. Annual deductible options (dollars); Product with minimum average premium: $250-5,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15-35; Product with median average premium: $20-50; Product with maximum average premium: $40-50. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 10-50; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-3,000; Product with median average premium: $4,500-15,000; Product with maximum average premium: $5,000-6,000. Network provider type: Preferred provider organization; 9 products available. Average premium (dollars); Product with minimum average premium: $1,006; Product with median average premium: $1,995; Product with maximum average premium: $5,373. Annual deductible options (dollars); Product with minimum average premium: $250-5,000; Product with median average premium: $2,500-4,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15-35; Product with median average premium: $30; Product with maximum average premium: $40-50. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-3,000; Product with median average premium: $5,000; Product with maximum average premium: $5,000-6,000. Network provider type: Health maintenance organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $3,430; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $1,000-7,500; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $30; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: $20; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $3,500-10,000; Product with maximum average premium: N/A. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $3,756; Product with median average premium: N/A; Product with maximum average premium: $4,445. Annual deductible options (dollars); Product with minimum average premium: $250-10,000; Product with median average premium: N/A; Product with maximum average premium: $500-7,500. Co-pay options (dollars); Product with minimum average premium: $20-50; Product with median average premium: N/A; Product with maximum average premium: $25-40. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: N/A; Product with maximum average premium: $0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-15,000; Product with median average premium: N/A; Product with maximum average premium: $2,000-9,000. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 26: In Missouri, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; Product with minimum average premium: $32 products available. Average premium (dollars); Product with minimum average premium: $706; Product with median average premium: $3,608; Product with maximum average premium: $9,416. Annual deductible options (dollars); Product with minimum average premium: $1,000-10,000; Product with median average premium: $2,000-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-40; Product with median average premium: $25; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 30; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $2,500-10,000; Product with maximum average premium: No Limit. Network provider type: Preferred provider organization; 23 products available. Average premium (dollars); Product with minimum average premium: $706; Product with median average premium: $3,534; Product with maximum average premium: $5,227. Annual deductible options (dollars); Product with minimum average premium: $1,000-10,000; Product with median average premium: $1,500-4,000; Product with maximum average premium: $2,500-5,000. Co-pay options (dollars); Product with minimum average premium: $20-40; Product with median average premium: *; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 30; Product with median average premium: 10-20; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $5,000; Product with maximum average premium: $1,000-4,000. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: $1,886; Product with median average premium: $3,699; Product with maximum average premium: $5,142. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-1,499; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $15-30; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: $20; Product with median average premium: $0-50; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-6,000; Product with median average premium: $1,000-3,000; Product with maximum average premium: $3,000. Network provider type: Other; 4 products available. Average premium (dollars); Product with minimum average premium: $3,115; Product with median average premium: $4,625; Product with maximum average premium: $9,416. Annual deductible options (dollars); Product with minimum average premium: $0-1,499; Product with median average premium: $0-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15-30; Product with median average premium: $10-35; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-50; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-1,500; Product with median average premium: $250-10,000; Product with maximum average premium: No Limit. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 27: In Montana, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 5 products available. Average premium (dollars); Product with minimum average premium: $3,201; Product with median average premium: $5,152; Product with maximum average premium: $14,045. Annual deductible options (dollars); Product with minimum average premium: $3,000-6,050; Product with median average premium: $0-10,000; Product with maximum average premium: $250-500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-40; Product with maximum average premium: $20-25. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: 0-50; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,050; Product with median average premium: $500-10,000[A]; Product with maximum average premium: $2,000-3,000. Network provider type: Preferred provider organization; 4 products available. Average premium (dollars); Product with minimum average premium: $3,201; Product with median average premium: $5,152; Product with maximum average premium: $14,045. Annual deductible options (dollars); Product with minimum average premium: $3,000-6,050; Product with median average premium: $0-10,000; Product with maximum average premium: $250-500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-40; Product with maximum average premium: $20-25. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: 0-50; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,050; Product with median average premium: $500-10,000[A]; Product with maximum average premium: $2,000-3,000. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $12,556; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $250-5,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $20-25; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: 10-20; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $1,500-7,500; Product with maximum average premium: N/A. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 28: In Nebraska, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 15 products available. Average premium (dollars); Product with minimum average premium: $626; Product with median average premium: $2,271; Product with maximum average premium: $14,946. Annual deductible options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $2,000-5,000; Product with maximum average premium: $250-2,500. Co-pay options (dollars); Product with minimum average premium: $20; Product with median average premium: $25; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $2,000-5,000; Product with maximum average premium: $500-2,000. Network provider type: Preferred provider organization; 8 products available. Average premium (dollars); Product with minimum average premium: $626; Product with median average premium: $2,842; Product with maximum average premium: $14,946. Annual deductible options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $1,000-5,000; Product with maximum average premium: $250-2,500. Co-pay options (dollars); Product with minimum average premium: $20; Product with median average premium: $20-40; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-20; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $750-4,000; Product with maximum average premium: $500-2,000. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 7 products available. Average premium (dollars); Product with minimum average premium: $1,580; Product with median average premium: $2,044; Product with maximum average premium: $5,003. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $500-5,000; Product with maximum average premium: $500-6,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $30; Product with maximum average premium: $25-40. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 20-50; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $2,000-10,000; Product with maximum average premium: $2,000-10,000. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 29: In Nevada, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 26 products available; Average premium (dollars); Product with minimum average premium: $2,299; Product with median average premium: $3,643; Product with maximum average premium: $5,084. Annual deductible options (dollars); Product with minimum average premium: 0; Product with median average premium: $250-10,000; Product with maximum average premium: $250-7,500. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $0-40; Product with maximum average premium: $20-35. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-50; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $1,000-12,000; Product with maximum average premium: $4,250-11,500. Network provider type: Preferred provider organization; 11 products available. Average premium (dollars); Product with minimum average premium: $2,881; Product with median average premium: $3,941; Product with maximum average premium: $4,202. Annual deductible options (dollars); Product with minimum average premium: 0; Product with median average premium: $500-5,000; Product with maximum average premium: $1,500-4,000. Co-pay options (dollars); Product with minimum average premium: $30-40; Product with median average premium: $20-50; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-30; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000-7,500[A]; Product with maximum average premium: $5,000. Network provider type: Health maintenance organization; 9 products available. Average premium (dollars); Product with minimum average premium: $2,299; Product with median average premium: $3,302; Product with maximum average premium: $4,318. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $15; Product with maximum average premium: $15-30. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 10-25. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000; Product with maximum average premium: $2,000-6,000. Network provider type: Other; 6 products available. Average premium (dollars); Product with minimum average premium: $2,549; Product with median average premium: $3,767; Product with maximum average premium: $5,084. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $500-2,500; Product with maximum average premium: $250-7,500. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $25-30; Product with maximum average premium: $20-35. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 20-30; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000-5,000; Product with maximum average premium: $4,250-11,500. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 30: In New Hampshire, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 17 products available. Average premium (dollars); Product with minimum average premium: $3,627; Product with median average premium: $5,559; Product with maximum average premium: $6,538. Annual deductible options (dollars); Product with minimum average premium: $1,500-10,000; Product with median average premium: $1,000-7,000; Product with maximum average premium: $2,500-4,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25-50; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-20; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-12,000; Product with median average premium: $2,000-10,000; Product with maximum average premium: $5,000. Network provider type: Preferred provider organization; 6 products available. Average premium (dollars); Product with minimum average premium: $3,627; Product with median average premium: $5,837; Product with maximum average premium: $6,428. Annual deductible options (dollars); Product with minimum average premium: $1,500-10,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $1,000-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: $25-50. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-12,000; Product with median average premium: $2,500-6,000; Product with maximum average premium: $2,000-6,000. Network provider type: Health maintenance organization; 6 products available. Average premium (dollars); Product with minimum average premium: $3,651; Product with median average premium: $5,559; Product with maximum average premium: $6,426. Annual deductible options (dollars); Product with minimum average premium: $1,500-7,500; Product with median average premium: $1,000-7,000; Product with maximum average premium: $2,500-4,000. Co-pay options (dollars); Product with minimum average premium: $40; Product with median average premium: $25-50; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-10,000; Product with median average premium: $2,000-10,000; Product with maximum average premium: $5,000. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $5,275; Product with median average premium: $5,409; Product with maximum average premium: $6,538. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $1,000-9,500; Product with maximum average premium: $2,500-4,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-35; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-30; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,000-6,250; Product with median average premium: $2,000-21,000[A]; Product with maximum average premium: $5,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 31: In New Jersey, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 17 products available. Average premium (dollars); Product with minimum average premium: $2,819; Product with median average premium: $5,942; Product with maximum average premium: $14,852. Annual deductible options (dollars); Product with minimum average premium: $1,250-2,500; Product with median average premium: $1,000-2,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $20-50; Product with maximum average premium: $40. Coinsurance options (percent); Product with minimum average premium: 20-50; Product with median average premium: 0-50; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-5,950; Product with median average premium: $3,000-7,500; Product with maximum average premium: $4,000. Network provider type: Preferred provider organization; 3 products available. Average premium (dollars); Product with minimum average premium: $5,507; Product with median average premium: $6,471; Product with maximum average premium: $11,872. Annual deductible options (dollars); Product with minimum average premium: $1,500-2,000; Product with median average premium: $2,000; Product with maximum average premium: $0-2,500. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $0; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 0-10. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,000-5,000; Product with median average premium: $4,000; Product with maximum average premium: $1,000-5,000. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: $3,454; Product with median average premium: $4,413; Product with maximum average premium: $14,852. Annual deductible options (dollars); Product with minimum average premium: $0-2,500; Product with median average premium: $1,000-2,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-50; Product with median average premium: $15-40; Product with maximum average premium: $40. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 20-50; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,500-7,500; Product with median average premium: $3,000-7,500; Product with maximum average premium: $4,000. Network provider type: Other; 9 products available. Average premium (dollars); Product with minimum average premium: $2,819; Product with median average premium: $5,954; Product with maximum average premium: $11,838. Annual deductible options (dollars); Product with minimum average premium: $1,250-2,500; Product with median average premium: $0-2,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $15-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 20-50; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-5,950; Product with median average premium: $1,500-5,000; Product with maximum average premium: $2,500-7,750. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 32: In New Mexico, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 15 products available. Average premium (dollars); Product with minimum average premium: $1,242; Product with median average premium: $3,685; Product with maximum average premium: $7,043. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,000; Product with median average premium: $500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $30; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-50; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-5,000; Product with median average premium: $2,000-4,500; Product with maximum average premium: $1,000-2,500. Network provider type: Preferred provider organization; 7 products available. Average premium (dollars); Product with minimum average premium: $1,242; Product with median average premium: $3,106; Product with maximum average premium: $7,043. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,000; Product with median average premium: $500-10,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $10-20; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0-50; Product with median average premium: 0-30; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-5,000; Product with median average premium: $2,000-10,000; Product with maximum average premium: $1,000-2,500. Network provider type: Health maintenance organization; 6 products available. Average premium (dollars); Product with minimum average premium: $1,296; Product with median average premium: $3,685; Product with maximum average premium: $5,982. Annual deductible options (dollars); Product with minimum average premium: $500-1,000; Product with median average premium: $500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $40; Product with median average premium: $30; Product with maximum average premium: $15-40. Coinsurance options (percent); Product with minimum average premium: 30-50; Product with median average premium: 0-50; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $7,500; Product with median average premium: $2,000-4,500; Product with maximum average premium: $5,040. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $4,701; Product with median average premium: N/A; Product with maximum average premium: $4,924. Annual deductible options (dollars); Product with minimum average premium: $250-5,000; Product with median average premium: N/A; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $10-45; Product with median average premium: N/A; Product with maximum average premium: $30. Coinsurance options (percent); Product with minimum average premium: 20-30; Product with median average premium: N/A; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-10,000; Product with median average premium: N/A; Product with maximum average premium: $2,500-6,500. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 33: In New York, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 66 products available. Average premium (dollars); Product with minimum average premium: $1,856; Product with median average premium: $4,765; Product with maximum average premium: $12,657. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20-30; Product with maximum average premium: $15-20. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,000; Product with median average premium: No Limit; Product with maximum average premium: No Limit. Network provider type: Preferred provider organization; 13 products available. Average premium (dollars); Product with minimum average premium: $2,254; Product with median average premium: $5,729; Product with maximum average premium: $8,633. Annual deductible options (dollars); Product with minimum average premium: $3,000; Product with median average premium: $0-2,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20; Product with median average premium: $25-40; Product with maximum average premium: $15-50. Coinsurance options (percent); Product with minimum average premium: 30; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000; Product with maximum average premium: No Limit. Network provider type: Health maintenance organization; 26 products available. Average premium (dollars); Product with minimum average premium: $1,890; Product with median average premium: $4,418; Product with maximum average premium: $12,657. Annual deductible options (dollars); Product with minimum average premium: $1,250; Product with median average premium: $1,200; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20; Product with median average premium: $20; Product with maximum average premium: $15-20. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: $0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $6,250; Product with median average premium: $5,250; Product with maximum average premium: No Limit. Network provider type: Other; 27 products available. Average premium (dollars); Product with minimum average premium: $1,856; Product with median average premium: $5,021; Product with maximum average premium: $11,496. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $0-7,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: 0-40; Product with maximum average premium: 0-45. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: $0-30; Product with maximum average premium: $0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-6,000; Product with median average premium: $3,000-21,000[A]; Product with maximum average premium: No Limit. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 34: In North Carolina, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 17 products available. Average premium (dollars); Product with minimum average premium: $2,836; Product with median average premium: $4,236; Product with maximum average premium: $13,651. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-30; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $3,500-10,000; Product with maximum average premium: $2,000-3,000. Network provider type: Preferred provider organization; 8 products available. Average premium (dollars); Product with minimum average premium: $2,836; Product with median average premium: $4,275; Product with maximum average premium: $7,470. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $500-10,000; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $25-35; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-30; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $2,000-10,000; Product with maximum average premium: $1,000-4,000[A]. Network provider type: Health maintenance organization; 2 products available. Average premium (dollars); Product with minimum average premium: $4,947; Product with median average premium: N/A; Product with maximum average premium: $6,711. Annual deductible options (dollars); Product with minimum average premium: $250-5,000; Product with median average premium: N/A; Product with maximum average premium: $1,000-2,500. Co-pay options (dollars); Product with minimum average premium: $15-35; Product with median average premium: N/A; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: $0-50; Product with median average premium: N/A; Product with maximum average premium: $25-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-10,000; Product with median average premium: N/A; Product with maximum average premium: $3,000-7,000. Network provider type: Other; 7 products available. Average premium (dollars); Product with minimum average premium: $3,444; Product with median average premium: $4,026; Product with maximum average premium: $13,651. Annual deductible options (dollars); Product with minimum average premium: $500-10,000; Product with median average premium: $0-10,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $25-50; Product with median average premium: $0-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-40; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-20,000; Product with median average premium: $1,000-10,000; Product with maximum average premium: $2,000-3,000. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 35: In North Dakota, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 20 products available. Average premium (dollars); Product with minimum average premium: $2,129; Product with median average premium: $3,817; Product with maximum average premium: $5,903. Annual deductible options (dollars); Product with minimum average premium: $1,000-7,500; Product with median average premium: $100-5,000; Product with maximum average premium: $100-1,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $25; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,500-10,000; Product with median average premium: $1,100-7,000; Product with maximum average premium: $1,100-2,500. Network provider type: Preferred provider organization; 14 products available. Average premium (dollars); Product with minimum average premium: $2,129; Product with median average premium: $3,797; Product with maximum average premium: $5,903. Annual deductible options (dollars); Product with minimum average premium: $1,000-7,500; Product with median average premium: $100-5,000; Product with maximum average premium: $100-1,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $25; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,500-10,000; Product with median average premium: $1,100-7,000; Product with maximum average premium: $1,100-2,500. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum option (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 6 products available. Average premium (dollars); Product with minimum average premium: $3,520; Product with median average premium: $3,916; Product with maximum average premium: $4,794. Annual deductible options (dollars); Product with minimum average premium: $1,500-3,000; Product with median average premium: $0; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $30; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 80-100; Product with median average premium: 0-20; Product with maximum average premium: 0-40. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,950; Product with median average premium: $1,000; Product with maximum average premium: $3,250-11,000. Legend: N/A = Not applicable. * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 36: In Ohio, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 46 products available. Average premium (dollars); Product with minimum average premium: $1,223; Product with median average premium: $4,775; Product with maximum average premium: $10,624. Annual deductible options (dollars); Product with minimum average premium: $500-10,000; Product with median average premium: $250-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30-40; Product with median average premium: $20-30; Product with maximum average premium: $0-20. Coinsurance options (percent); Product with minimum average premium: $10-30; Product with median average premium: $0-40; Product with maximum average premium: $0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-3,000; Product with median average premium: $1,250-10,000; Product with maximum average premium: No Limit. Network provider type: Preferred provider organization; 26 products available. Average premium (dollars); Product with minimum average premium: $1,223; Product with median average premium: $4,775; Product with maximum average premium: $9,192. Annual deductible options (dollars); Product with minimum average premium: $500-10,000; Product with median average premium: $250-5,000; Product with maximum average premium: $1,500-4,000. Co-pay options (dollars); Product with minimum average premium: $30-40; Product with median average premium: $20-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 10-30; Product with median average premium: 0-40; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-3,000; Product with median average premium: $1,250-10,000; Product with maximum average premium: $5,000. Network provider type: Health maintenance organization; 9 products available. Average premium (dollars); Product with minimum average premium: $3,589; Product with median average premium: $6,336; Product with maximum average premium: $10,624. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $0-2,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15-25; Product with median average premium: $0-5; Product with maximum average premium: $0-20. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 20-30; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000-5,000; Product with median average premium: $3,500-10,000; Product with maximum average premium: No Limit. Other; 11 products available. Average premium (dollars); Product with minimum average premium: $2,859; Product with median average premium: $3,887; Product with maximum average premium: $5,728. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $0; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-15; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: 10-20; Product with median average premium: 20-30; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $1,500-3,000; Product with maximum average premium: $1,000-9,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 37: In Oklahoma, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 18 products available. Average premium (dollars); Product with minimum average premium: $3,214; Product with median average premium: $4,462; Product with maximum average premium: $17,707. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $1,500-5,950; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $30-35; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-30; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $3,000-10,000; Product with maximum average premium: $4,000. Network provider type: Preferred provider organization; 8 products available. Average premium (dollars); Product with minimum average premium: $3,214; Product with median average premium: $4,198; Product with maximum average premium: $15,490. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $500-5,000; Product with maximum average premium: $250-2,500. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $20-30; Product with maximum average premium: $15-35. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 20; Product with maximum average premium: 10-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $1,000-2,000; Product with maximum average premium: $500-3,000. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: $3,975; Product with median average premium: $5,220; Product with maximum average premium: $6,080. Annual deductible options (dollars); Product with minimum average premium: $500-4,000; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $25-35; Product with median average premium: $10; Product with maximum average premium: $15-20. Coinsurance options (percent); Product with minimum average premium: 20-50; Product with median average premium: 20-50; Product with maximum average premium: 20-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,000; Product with median average premium: $750; Product with maximum average premium: $1,500-2,000. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $3,755; Product with median average premium: $4,462; Product with maximum average premium: $17,707. Annual deductible options (dollars); Product with minimum average premium: $500-3,000; Product with median average premium: $1,500-5,950; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $25-30; Product with median average premium: $30-35; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: $20-30; Product with median average premium: $0-30; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $3,000-10,000; Product with maximum average premium: $4,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 38: In Oregon, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 20 products available. Average premium (dollars); Product with minimum average premium: $2,936; Product with median average premium: $4,226; Product with maximum average premium: $14,256. Annual deductible options (dollars); Product with minimum average premium: $750-5,500; Product with median average premium: $300-3,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $15-35; Product with maximum average premium: $15-25. Coinsurance options (percent); Product with minimum average premium: 25-50; Product with median average premium: 0-30; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,250-11,500; Product with median average premium: $2,000-5,000; Product with maximum average premium: $2,000. Network provider type: Preferred provider organization; 10 products available. Average premium (dollars); Product with minimum average premium: $2,936; Product with median average premium: $3,749; Product with maximum average premium: $7,142. Annual deductible options (dollars); Product with minimum average premium: $750-5,500; Product with median average premium: $500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $10-35; Product with maximum average premium: $15-25. Coinsurance options (percent); Product with minimum average premium: 25-50; Product with median average premium: 20-30; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,250-11,500; Product with median average premium: $3,000-4,000; Product with maximum average premium: $2,000. Network provider type: Health maintenance organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $6,674; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0-1,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $15-35; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: $0-50; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $2,000-3,000; Product with maximum average premium: N/A. Network provider type: Other; 9 products available. Average premium (dollars); Product with minimum average premium: $3,287; Product with median average premium: $4,696; Product with maximum average premium: $14,256. Annual deductible options (dollars); Product with minimum average premium: $1,500-3,500; Product with median average premium: $0-2,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-50; Product with median average premium: $10-25; Product with maximum average premium: $15-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20-50; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,500; Product with median average premium: $1,200-3,000; Product with maximum average premium: $2,000. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: A single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provide type and cost-sharing features. The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 39: In Pennsylvania, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 32 products available. Average premium (dollars); Product with minimum average premium: $600; Product with median average premium: $4,390; Product with maximum average premium: $17,309. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,500; Product with median average premium: $0-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $5-35; Product with median average premium: $5-35; Product with maximum average premium: $5-35. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-5,500; Product with median average premium: $500-3,000[A]; Product with maximum average premium: No Limit. Network provider type: Preferred provider organization; 17 products available. Average premium (dollars); Product with minimum average premium: $600; Product with median average premium: $4,182; Product with maximum average premium: $6,053. Annual deductible options (dollars); Product with minimum average premium: $1,250-5,500; Product with median average premium: $0-10,000; Product with maximum average premium: $0-3,000. Co-pay options (dollars); Product with minimum average premium: $5-35; Product with median average premium: $0-25; Product with maximum average premium: $0-40. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-5,500; Product with median average premium: $500-4,000[A]; Product with maximum average premium: $3,000-5,600[A]. Network provider type: Health maintenance organization; 5 products available. Average premium (dollars); Product with minimum average premium: $2,694; Product with median average premium: $8,948; Product with maximum average premium: $17,309. Annual deductible options (dollars); Product with minimum average premium: $0-1,000; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $5-35; Product with median average premium: $5-35; Product with maximum average premium: $5-35. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $10,000; Product with median average premium: No Limit; Product with maximum average premium: No Limit. Network provider type: Other; 10 products available. Average premium (dollars); Product with minimum average premium: $3,678; Product with median average premium: $4,587; Product with maximum average premium: $6,149. Annual deductible options (dollars); Product with minimum average premium: $2,000-4,000; Product with median average premium: $250-10,000; Product with maximum average premium: $100-500. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $20; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 10-25; Product with median average premium: 0-30; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,000-5,250; Product with median average premium: $2,500-15,000[A]; Product with maximum average premium: $500-1,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 40: In Rhode Island, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 9 products available. Average premium (dollars); Product with minimum average premium: $4,193; Product with median average premium: $4,483; Product with maximum average premium: $6,109. Annual deductible options (dollars); Product with minimum average premium: $250-2,000; Product with median average premium: $0-5,000; Product with maximum average premium: $0-2,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $20-30; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,250-4,500; Product with median average premium: $800-6,000; Product with maximum average premium: $300-5,000[A]. Network provider type: Preferred provider organization; 3 products available. Average premium (dollars); Product with minimum average premium: $4,346; Product with median average premium: $5,077; Product with maximum average premium: $5,584. Annual deductible options (dollars); Product with minimum average premium: $1,000-3,500; Product with median average premium: $2,000; Product with maximum average premium: $250-2,000. Co-pay options (dollars); Product with minimum average premium: $0-25; Product with median average premium: $0; Product with maximum average premium: $5-25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-10,500; Product with median average premium: $2,000-4,000; Product with maximum average premium: $750-6,000. Network provider type: Health maintenance organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $4,319; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $750-5,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $10-30; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: 0-50; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $2,000-10,000; Product with maximum average premium: N/A. Network provider type: Other; 5 products available. Average premium (dollars); Product with minimum average premium: $4,193; Product with median average premium: $4,483; Product with maximum average premium: $6,109. Annual deductible options (dollars); Product with minimum average premium: $250-2,000; Product with median average premium: $0-5,000; Product with maximum average premium: $0-2,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $20-30; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-20; Product with maximum average premium: 0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,250-4,500; Product with median average premium: $800-6,000; Product with maximum average premium: $300-5,000[A]. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 41: In South Carolina, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 13 products available. Average premium (dollars); Product with minimum average premium: $3,457; Product with median average premium: $4,647; Product with maximum average premium: $7,123. Annual deductible options (dollars); Product with minimum average premium: $500-10,000; Product with median average premium: $1,500-5,000; Product with maximum average premium: $250-8,000. Co-pay options (dollars); Product with minimum average premium: $30-45; Product with median average premium: $0; Product with maximum average premium: $20-40. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 70-100; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-10,000; Product with median average premium: $1,500-5,500; Product with maximum average premium: $1,000-5,000. Network provider type: Preferred provider organization; 10 products available. Average premium (dollars); Product with minimum average premium: $4,060; Product with median average premium: $4,899; Product with maximum average premium: $7,123. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $0; Product with maximum average premium: $250-8,000. Co-pay options (dollars); Product with minimum average premium: $0-25; Product with median average premium: $20-25; Product with maximum average premium: $20-40. Coinsurance options (percent); Product with minimum average premium: 80-100; Product with median average premium: 10-20; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $2,000-3,000; Product with maximum average premium: $1,000-5,000. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 3 products available. Average premium (dollars); Product with minimum average premium: $3,457; Product with median average premium: $4,073; Product with maximum average premium: $4,918. Annual deductible options (dollars); Product with minimum average premium: $500-10,000; Product with median average premium: $500-10,000; Product with maximum average premium: $250-10,000. Co-pay options (dollars); Product with minimum average premium: $30-45; Product with median average premium: $20-30; Product with maximum average premium: $20-35. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-40; Product with maximum average premium: 0-50. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-10,000; Product with median average premium: $2,500-10,000; Product with maximum average premium: $2,000-20,000. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 42: In South Dakota, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 8 products available. Average premium (dollars); Product with minimum average premium: $1,074; Product with median average premium: $4,442; Product with maximum average premium: $6,376. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $1,500-4,500; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: *; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 80-100; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $1,500-5,750; Product with maximum average premium: $750-10,000. Network provider type: Preferred provider organization; 7 products available. Average premium (dollars); Product with minimum average premium: $1,074; Product with median average premium: $4,378; Product with maximum average premium: $5,340. Annual deductible options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $250-5,000; Product with maximum average premium: $300-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-30; Product with maximum average premium: $25-40. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-30; Product with maximum average premium: 70-80. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-5,000; Product with median average premium: $1,000-15,000; Product with maximum average premium: $1,500-10,000. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $6,376; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: *; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: 20; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $750-10,000; Product with maximum average premium: N/A. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 43: In Tennessee, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 25 products available. Average premium (dollars); Product with minimum average premium: $1,129; Product with median average premium: $3,515; Product with maximum average premium: $13,310. Annual deductible options (dollars); Product with minimum average premium: $2,500-5,000; Product with median average premium: $0-10,000; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $10-35; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-30; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/D[A]; Product with median average premium: $1,000-15,000; Product with maximum average premium: $1,000-2,000. Network provider type: Preferred provider organization; 16 products available. Average premium (dollars); Product with minimum average premium: $1,129; Product with median average premium: $3,504; Product with maximum average premium: $5,358. Annual deductible options (dollars); Product with minimum average premium: $2,500-5,000; Product with median average premium: $0; Product with maximum average premium: $1,500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $40-50; Product with maximum average premium: $0-25. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 80-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/D[A]; Product with median average premium: $5,000-6,000; Product with maximum average premium: $1,500-5,000. Network provider type: Health maintenance organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $5,284; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $250-5,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $10-30; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: $0-20; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $1,000-10,000; Product with maximum average premium: N/A. Network provider type: Other; 8 products available. Average premium (dollars); Product with minimum average premium: $2,915; Product with median average premium: $4,186; Product with maximum average premium: $13,310. Annual deductible options (dollars); Product with minimum average premium: $0; Product with median average premium: $250-5,000; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: $40-50; Product with median average premium: $10-30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: $0; Product with median average premium: $0-20; Product with maximum average premium: $20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000-6,000; Product with median average premium: $1,000-10,000; Product with maximum average premium: $1,000-2,000. Legend: * = Value not reported by the insurer. N/D = Not able to determine. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] The insurer reported only a value of zero. We could not determine whether this indicated that no out-of-pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 44: In Texas, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 26 products available. Average premium (dollars); Product with minimum average premium: $2,715; Product with median average premium: $4,440; Product with maximum average premium: $9,640. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $1,500-4,000; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: *; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 10-20; Product with median average premium: 10-20; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $5,000; Product with maximum average premium: $1,000-2,000. Network provider type: Preferred provider organization; 12 products available. Average premium (dollars); Product with minimum average premium: $3,565; Product with median average premium: $4,293; Product with maximum average premium: $5,272. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $500-5,000; Product with maximum average premium: $1,500-5,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $20-50; Product with maximum average premium: $0-25. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-30; Product with maximum average premium: 80-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $3,000-7,500[A]; Product with maximum average premium: $1,500-5,000. Network provider type: Health maintenance organization; 3 products available. Average premium (dollars); Product with minimum average premium: $6,781; Product with median average premium: $6,876; Product with maximum average premium: $9,389. Annual deductible options (dollars); Product with minimum average premium: $0-1,000; Product with median average premium: $0; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $20-25; Product with median average premium: $10-40; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-6,000; Product with median average premium: $1,500-4,000; Product with maximum average premium: $5,000. Network provider type: Other; 11 products available. Average premium (dollars); Product with minimum average premium: $2,715; Product with median average premium: $4,128; Product with maximum average premium: $9,640. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $2,500-4,000; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $30; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 10-20; Product with median average premium: 0; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $5,000; Product with maximum average premium: $1,000-2,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 45: In Utah, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 14 products available. Average premium (dollars); Product with minimum average premium: $1,493; Product with median average premium: $2,841; Product with maximum average premium: $15,978. Annual deductible options (dollars); Product with minimum average premium: $1,250-2,500; Product with median average premium: $500-5,000; Product with maximum average premium: $2,000-4,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $25-30; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 15-20; Product with maximum average premium: 30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,250-5,000; Product with median average premium: $2,500; Product with maximum average premium: $5,000-10,000. Network provider type: Preferred provider organization; 9 products available. Average premium (dollars); Product with minimum average premium: $1,945; Product with median average premium: $2,927; Product with maximum average premium: $15,978. Annual deductible options (dollars); Product with minimum average premium: $2,500-4,000; Product with median average premium: $500-5,000; Product with maximum average premium: $2,000-4,000. Co-pay options (dollars); Product with minimum average premium: $30; Product with median average premium: $20-50; Product with maximum average premium: $25. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-30; Product with maximum average premium: 30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $2,000-7,500[A]; Product with maximum average premium: $5,000-10,000. Network provider type: Health maintenance organization; $3 products available. Average premium (dollars); Product with minimum average premium: $1,493; Product with median average premium: $2,383; Product with maximum average premium: $2,841. Annual deductible options (dollars); Product with minimum average premium: $1,250-2,500; Product with median average premium: $2,000-4,000; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $25; Product with maximum average premium: $25-30. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 30; Product with maximum average premium: 15-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,250-5,000; Product with median average premium: $5,000-10,000; Product with maximum average premium: $2,500. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $2,335; Product with median average premium: N/A; Product with maximum average premium: $3,295. Annual deductible options (dollars); Product with minimum average premium: $1,200-5,000; Product with median average premium: N/A; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: N/A; Product with maximum average premium: $20-30. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: N/A; Product with maximum average premium: $10-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: N/A; Product with maximum average premium: $2,500-4,000. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 46: In Vermont, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 5 products available. Average premium (dollars); Product with minimum average premium: $3,958; Product with median average premium: $5,232; Product with maximum average premium: $8,509. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $500-3,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $25-30; Product with maximum average premium: $15. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 20; Product with maximum average premium: 0. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-8,000; Product with median average premium: $1,000-6,000; Product with maximum average premium: No Limit. Network provider type: Preferred provider organization; 2 products available. Average premium (dollars); Product with minimum average premium: $3,958; Product with median average premium: N/A; Product with maximum average premium: $5,232. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: N/A; Product with maximum average premium: $500-3,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: N/A; Product with maximum average premium: $25-30. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: N/A; Product with maximum average premium: $20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-8,000; Product with median average premium: N/A; Product with maximum average premium: $1,000-6,000. Network provider type: Health maintenance organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $8,509; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $15; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: $0; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: No Limit; Product with maximum average premium: N/A. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $4,196; Product with median average premium: N/A; Product with maximum average premium: $5,636. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,500; Product with median average premium: N/A; Product with maximum average premium: $0-9,500. Co-pay options (dollars); Product with minimum average premium: $30-35; Product with median average premium: N/A; Product with maximum average premium: $0-50. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: N/A; Product with maximum average premium: $0-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,500-10,000; Product with median average premium: N/A; Product with maximum average premium: $1,500-21,000[A]. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 47: In Virginia, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 43 products available. Average premium (dollars); Product with minimum average premium: $573; Product with median average premium: $4,120; Product with maximum average premium: $14,955. Annual deductible options (dollars); Product with minimum average premium: $300-2,500; Product with median average premium: $1,200-4,000; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-25; Product with maximum average premium: $20-50. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,000; Product with median average premium: $2,400-5,250; Product with maximum average premium: $1,000-7,500[A]. Network provider type: Preferred provider organization; 9 products available. Average premium (dollars); Product with minimum average premium: $3,773; Product with median average premium: $4,565; Product with maximum average premium: $14,955. Annual deductible options (dollars); Product with minimum average premium: $0-5,000; Product with median average premium: $1,200-2,700; Product with maximum average premium: $500-5,000. Co-pay options (dollars); Product with minimum average premium: $0-30; Product with median average premium: $0; Product with maximum average premium: $20-50. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-10; Product with maximum average premium: 0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,000-8,000; Product with median average premium: $2,400-5,000; Product with maximum average premium: $1,000-7,500[A]. Network provider type: Health maintenance organization; 11 products available. Average premium (dollars); Product with minimum average premium: $2,897; Product with median average premium: $4,246; Product with maximum average premium: $8,094. Annual deductible options (dollars); Product with minimum average premium: $0-500; Product with median average premium: $1,200-4,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $10-30; Product with median average premium: $0-25; Product with maximum average premium: $20. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $500-2,500; Product with median average premium: $2,400-5,250; Product with maximum average premium: $5,000. Network provider type: Other; 23 products available. Average premium (dollars); Product with minimum average premium: $573; Product with median average premium: $3,641; Product with maximum average premium: $9,491. Annual deductible options (dollars); Product with minimum average premium: $300-2,500; Product with median average premium: $1,500-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: *; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $4,000; Product with median average premium: $3,500-8,000; Product with maximum average premium: No Limit. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [A] In addition to the range noted, the insurer also reported a value of zero. We could not determine whether this indicated that no out-of- pocket maximum was required to be met or that the out-of-pocket maximum was unlimited. [End of table] Table 48: In Washington, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 43 products available. Average premium (dollars); Product with minimum average premium: $839; Product with median average premium: $1,753; Product with maximum average premium: $7,397. Annual deductible options (dollars); Product with minimum average premium: $7,000; Product with median average premium: $1,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20; Product with maximum average premium: $20-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $10,200; Product with median average premium: $4,000; Product with maximum average premium: $4,000-4,500. Network provider type: Preferred provider organization; 6 products available. Average premium (dollars); Product with minimum average premium: $2,858; Product with median average premium: $4,351; Product with maximum average premium: $5,521. Annual deductible options (dollars); Product with minimum average premium: $1,500-5,000; Product with median average premium: $250-7,500; Product with maximum average premium: $1,500-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $20-45; Product with maximum average premium: $0. Coinsurance options (percent); Product with minimum average premium: 60-100; Product with median average premium: 50-90; Product with maximum average premium: 60-100. Out-of-pocket maximum options (dollars); Product with minimum average premium: $5,000; Product with median average premium: $2,000-6,000; Product with maximum average premium: $5,000. Network provider type: Health maintenance organization; 18 products available. Average premium (dollars); Product with minimum average premium: $839; Product with median average premium: $1,545; Product with maximum average premium: $7,397. Annual deductible options (dollars); Product with minimum average premium: $7,000; Product with median average premium: $1,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20; Product with maximum average premium: $20-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $10,200; Product with median average premium: $5,000; Product with maximum average premium: $4,000-4,500. Network provider type: Other; 19 products available. Average premium (dollars); Product with minimum average premium: $1,216; Product with median average premium: $1,975; Product with maximum average premium: $4,707. Annual deductible options (dollars); Product with minimum average premium: $7,000; Product with median average premium: $1,000; Product with maximum average premium: $250-5,000. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $20; Product with maximum average premium: $10-25. Coinsurance options (percent); Product with minimum average premium: 20; Product with median average premium: 20; Product with maximum average premium: 10-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $10,200; Product with median average premium: $5,000; Product with maximum average premium: $1,200-4,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 49: In West Virginia, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 21 products available. Average premium (dollars); Product with minimum average premium: $3,196; Product with median average premium: $5,925; Product with maximum average premium: $10,374. Annual deductible options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $0-2,500; Product with maximum average premium: $0-2,500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $0-20; Product with maximum average premium: $0-10. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: $20-30; Product with maximum average premium: $20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $3,500-10,000; Product with maximum average premium: $3,500-10,000. Network provider type: Preferred provider organization; 12 products available. Average premium (dollars); Product with minimum average premium: $3,196; Product with median average premium: $4,922; Product with maximum average premium: $7,696. Annual deductible options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $100-2,500; Product with maximum average premium: $250-500. Co-pay options (dollars); Product with minimum average premium: *; Product with median average premium: $10-25; Product with maximum average premium: $0-15. Coinsurance options (percent); Product with minimum average premium: *; Product with median average premium: $0-20; Product with maximum average premium: $20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000-5,000; Product with median average premium: $1,100-5,000; Product with maximum average premium: $2,000-4,000. Network provider type: Health maintenance organization; 7 products available. Average premium (dollars); Product with minimum average premium: $5,925; Product with median average premium: $8,092; Product with maximum average premium: $10,374. Annual deductible options (dollars); Product with minimum average premium: $0-2,500; Product with median average premium: $0-2,500; Product with maximum average premium: $0-2,500. Co-pay options (dollars); Product with minimum average premium: $0-20; Product with median average premium: $10-20; Product with maximum average premium: $0-10. Coinsurance options (percent); Product with minimum average premium: 20-30; Product with median average premium: 20-30; Product with maximum average premium: 20-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,500-10,000; Product with median average premium: $2,000-6,000; Product with maximum average premium: $3,500-10,000. Network provider type: Other; 2 products available. Average premium (dollars); Product with minimum average premium: $4,548; Product with median average premium: N/A; Product with maximum average premium: $6,989. Annual deductible options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: N/A; Product with maximum average premium: $0-3,000. Co-pay options (dollars); Product with minimum average premium: $25; Product with median average premium: N/A; Product with maximum average premium: $10-30. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: N/A; Product with maximum average premium: $0-30. Out-of-pocket maximum options (dollars); Product with minimum average premium: $3,000; Product with median average premium: N/A; Product with maximum average premium: $500-6,000. Legend: * = Value not reported by the insurer. N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 50: In Wisconsin, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 68 products available. Average premium (dollars); Product with minimum average premium: $720; Product with median average premium: $4,514; Product with maximum average premium: $17,575. Annual deductible options (dollars); Product with minimum average premium: $0-2,000; Product with median average premium: $250-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15-30; Product with median average premium: $0-30; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-30; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $750-7,000; Product with maximum average premium: $1,000. Network provider type: Preferred provider organization; 23 products available. Average premium (dollars); Product with minimum average premium: $1,214; Product with median average premium: $5,226; Product with maximum average premium: $8,383. Annual deductible options (dollars); Product with minimum average premium: $0-5,000; Product with median average premium: $0; Product with maximum average premium: $500-10,000. Co-pay options (dollars); Product with minimum average premium: $20-30; Product with median average premium: $40-50; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0; Product with maximum average premium: 40. Out-of-pocket maximum options (dollars); Product with minimum average premium: $500-10,000; Product with median average premium: $5,000-6,000; Product with maximum average premium: No Limit. Network provider type: Health maintenance organization; 19 products available. Average premium (dollars); Product with minimum average premium: $720; Product with median average premium: $4,123; Product with maximum average premium: $17,575. Annual deductible options (dollars); Product with minimum average premium: $0-2,000; Product with median average premium: $250-5,000; Product with maximum average premium: $0. Co-pay options (dollars); Product with minimum average premium: $15-30; Product with median average premium: $30-40; Product with maximum average premium: $10-20. Coinsurance options (percent); Product with minimum average premium: 0-30; Product with median average premium: 0-20; Product with maximum average premium: *. Out-of-pocket maximum options (dollars); Product with minimum average premium: $500-5,000; Product with median average premium: $1,000-8,000; Product with maximum average premium: $1,000. Network provider type: Other; 26 products available. Average premium (dollars); Product with minimum average premium: $1,300; Product with median average premium: $4,433; Product with maximum average premium: $14,905. Annual deductible options (dollars); Product with minimum average premium: $0-2,000; Product with median average premium: $1,250-5,000; Product with maximum average premium: $500-1,000. Co-pay options (dollars); Product with minimum average premium: $0-20; Product with median average premium: *; Product with maximum average premium: *. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: *; Product with maximum average premium: 20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $500-4,000; Product with median average premium: $1,250-5,000; Product with maximum average premium: $1,000-2,000. Legend: * = Value not reported by the insurer. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] Table 51: In Wyoming, the Range of Average Annual Premiums per Covered Life and Cost-Sharing Features for Small Group Market Products by Network Provider Type, First Quarter 2013: Network provider type: All; 5 products available. Average premium (dollars); Product with minimum average premium: $3,746; Product with median average premium: $4,383; Product with maximum average premium: $5,839. Annual deductible options (dollars); Product with minimum average premium: $1,050-5,000; Product with median average premium: $500-5,000; Product with maximum average premium: $0-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-25; Product with maximum average premium: $10-40. Coinsurance options (percent); Product with minimum average premium: $0-20; Product with median average premium: $20-50; Product with maximum average premium: $10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,650-5,000; Product with median average premium: $1,500-7,500; Product with maximum average premium: $2,000. Network provider type: Preferred provider organization; 1 product available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: $4,383; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: $500-5,000; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: $0-25; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: $20-50; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: $1,500-7,500; Product with maximum average premium: N/A. Network provider type: Health maintenance organization; 0 products available. Average premium (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Annual deductible options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Co-pay options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Coinsurance options (percent); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Out-of-pocket maximum options (dollars); Product with minimum average premium: N/A; Product with median average premium: N/A; Product with maximum average premium: N/A. Network provider type: Other; 4 products available. Average premium (dollars); Product with minimum average premium: $3,746; Product with median average premium: $5,037; Product with maximum average premium: $5,839. Annual deductible options (dollars); Product with minimum average premium: $1,050-5,000; Product with median average premium: $500-20,000; Product with maximum average premium: $0-5,000. Co-pay options (dollars); Product with minimum average premium: $0; Product with median average premium: $0-25; Product with maximum average premium: $10-40. Coinsurance options (percent); Product with minimum average premium: 0-20; Product with median average premium: 0-50; Product with maximum average premium: 10-20. Out-of-pocket maximum options (dollars); Product with minimum average premium: $2,650-5,000; Product with median average premium: $1,500-20,000; Product with maximum average premium: $2,000. Legend: N/A = Not applicable. Source: GAO analysis of data from the Center for Consumer Information and Insurance Oversight. Notes: The number of products available state-wide may not reflect the total number of products that were available to all small employers in the state, because insurers may have offered some plans only in specific regions of a state. In addition, a single insurer may have offered several products within a state, and these products may have varied in the premium paid or in the plan details, such as network provider type and cost-sharing features. The calculation for average annual premiums per covered life included premium amounts paid for individual and family coverage. Because insurers could have imposed different premiums on small employers on the basis of a variety of factors, actual average premiums per covered life for each employer may have been higher or lower. Network provider types include preferred provider organizations, health maintenance organizations, exclusive provider organizations, indemnity, and point of service. Products for exclusive provider organizations, indemnity, and point of service network provider types are reported under the category "Other." [End of table] [End of section] Footnotes: [1] Centers for Medicare & Medicaid Services, The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums (Baltimore, Md.: February 15, 2013). [2] The Kaiser Family Foundation, Health Research and Educational Trust, NORC at the University of Chicago, Employer Health Benefits: 2013 Annual Survey, (Menlo Park, Calif.; Kaiser Family Foundation, 2013). [3] Medical underwriting is a process through which insurers consider the age, gender, health status, and other factors about employees when determining the premium rate for the group and use this information to set the rate for the entire group. Community rating is a system through which groups in the same geographic region in a state are charged the same premium rate for each health insurance product. Several states allowed adjustments to community rating--known as modified community rating--which permitted some variation in group premium rates based on factors such as age and gender of employees. [4] Pub. L. No. 111-148, 124 Stat.119 (2010). PPACA defines a small employer as having employed an average of 1 to 100 employees. Until 2016, a state has the option to define small employers as having employed an average of 1 to 50 employees during the preceding calendar year. See Pub. L. No. 111-148. § 1304(b), 124 Stat. 172 (codified at 42 U.S.C. § 18024(b)). [5] See Pub. L. No. 111-148, §§ 1201(4), 10103(a), 124 Stat. 154, 155, 892, (adding § 2701(a) to the Public Health Service Act (PHSA), codified at 42 U.S.C. § 300gg(a). [6] Pub. L. No. 111-148, §§ 1201(4), 1421(a), 10105(e)(1), (2), 124 Stat. 154, 161, 237, 906 (adding § 2707 to the PHSA, codified at 42 U.S.C. § 300gg-6, and § 45R to the Internal Revenue Code, codified at 26 U.S.C. § 45R) (the requirement for minimum health benefits, referred to as an "essential health benefits package," is contained in 42 U.S.C. § 300gg-6 and authority for the tax credit for eligible small employers is contained in 26 U.S.C. § 45R). PPACA also provided for the establishment of new marketplaces in each state through which small employers may purchase health insurance, called the Small Business Health Options Program (or SHOP) exchanges. See Pub. L. No. 111-148, §§ 1311(b)(1)(B), 124 Stat. 173 (codified at 42 U.S.C. § 18031(b)(1)(B)). Implementation of certain SHOP exchange features has been delayed until 2015. [7] Plan Finder displays a monthly average premium: per covered life for small group market health insurance products to assist consumers in comparing health insurance coverage options in the small group market. See Plan Finder, accessed March 31, 2014, [hyperlink, http://finder.healthcare.gov/]. [8] A health insurance product is a package of covered services and network of providers offered by an insurer. An insurer may offer multiple products in each state, and multiple health plans may be available for each product. For example, a product may include multiple plans with the same covered services and same provider network, but each with a discrete combination of cost sharing features, such as deductibles, out-of-pocket maximum payment amounts, and coinsurance. The data included information on 1,734 small group market products that insurers reported as in effect and covering lives in the first quarter of 2013. According to CCIIO officials, this number of active small group market products is consistent with data previously submitted by insurance companies. [9] Employers, including small employers, may choose to tier the amounts they contribute to help their employees cover the premium rates set by an insurer based on factors such as tenure and full-time or part-time status. [10] On the lowest extreme of the distribution, we identified the first product below the median with an average premium: amount that was more than 5 percent lower than that of the next lowest product. This product and all products below it--a total of 54 products--were excluded from the analysis. On the highest extreme of the distribution, we identified the first product above the median with an average premium: amount that was more than 5 percent higher than that of the previous product. This product and all products above it--a total of 13 products--were excluded from the analysis. Nearly all of the remaining products had incremental differences of less than 2 percent from the products with the next highest and lowest average premiums and an average difference of 0.2 percent. [11] A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. In general, preferred provider organization and point of service plans allow members to use providers outside their networks, but at a higher cost. Health maintenance organization and exclusive provider organization plans limit coverage to providers inside their network. Indemnity plans allow members to use any providers they choose. [12] Our use of Plan Finder data and our methodology distinguishes our analysis from other information on small group premiums reported by The Kaiser Family Foundation and other organizations. For example, The Kaiser Family Foundation and Health Research and Educational Trust conduct an annual survey of employer-sponsored health benefits, which expands the definition of a small employer to include all employers with less than 200 employees and reports premiums per covered worker. [End of section] GAO's Mission: The Government Accountability Office, the audit, evaluation, and investigative arm of Congress, exists to support Congress in meeting its constitutional responsibilities and to help improve the performance and accountability of the federal government for the American people. GAO examines the use of public funds; evaluates federal programs and policies; and provides analyses, recommendations, and other assistance to help Congress make informed oversight, policy, and funding decisions. GAO's commitment to good government is reflected in its core values of accountability, integrity, and reliability. Obtaining Copies of GAO Reports and Testimony: The fastest and easiest way to obtain copies of GAO documents at no cost is through GAO's website [hyperlink, http://www.gao.gov]. Each weekday afternoon, GAO posts on its website newly released reports, testimony, and correspondence. To have GAO e-mail you a list of newly posted products, go to [hyperlink, http://www.gao.gov] and select "E-mail Updates." Order by Phone: The price of each GAO publication reflects GAO's actual cost of production and distribution and depends on the number of pages in the publication and whether the publication is printed in color or black and white. Pricing and ordering information is posted on GAO's website, [hyperlink, http://www.gao.gov/ordering.htm]. Place orders by calling (202) 512-6000, toll free (866) 801-7077, or TDD (202) 512-2537. Orders may be paid for using American Express, Discover Card, MasterCard, Visa, check, or money order. Call for additional information. Connect with GAO: Connect with GAO on facebook, flickr, twitter, and YouTube. Subscribe to our RSS Feeds or E mail Updates. Listen to our Podcasts. Visit GAO on the web at [hyperlink, http://www.gao.gov]. To Report Fraud, Waste, and Abuse in Federal Programs: Contact: Website: [hyperlink, http://www.gao.gov/fraudnet/fraudnet.htm]; E-mail: fraudnet@gao.gov; Automated answering system: (800) 424-5454 or (202) 512-7470. Congressional Relations: Katherine Siggerud, Managing Director, siggerudk@gao.gov: (202) 512-4400: U.S. Government Accountability Office: 441 G Street NW, Room 7125: Washington, DC 20548. Public Affairs: Chuck Young, Managing Director, youngc1@gao.gov: (202) 512-4800: U.S. Government Accountability Office: 441 G Street NW, Room 7149: Washington, DC 20548. [End of document]