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7/31/2019 2003 Health Insurance Survey Summary and Chartpack
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Summary and Chartpack
The Kaiser Family Foundation
Health Insurance Survey
October 2004
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Methodology
The Kaiser Family FoundationHealth Insurance Survey was designed and analyzed by researchers at the Kaiser Family
Foundation. Fieldwork was conducted by telephone by Princeton Survey Research Associates between April 30 and July 20,
2003, among a sample of 2,507 respondents ages 18 to 64 years. The sample includes 2,042 respondents who are covered by
health insurance (including 1,542 who are insured through an employer and 152 who purchase their own insurance), and 457
uninsured respondents. Results for all groups have been weighted to reflect the actual distribution in the nation.
The margin of sampling error for the survey is plus or minus 2 percentage points for total respondents; for respondents with
health insurance it is plus or minus 2 percentage points; for respondents insured through an employer it is plus or minus 3
percentage points; for respondents who purchase their own insurance it is plus or minus 9 percentage points; and for uninsured
respondents it is plus or minus 5 percentage points. For results based on subsets of respondents the margin of error is higher.
Note that sampling error is only one of many potential sources of error in this or any other public opinion poll.
Vol. indicates that a response was volunteered by respondent, not an explicitly offered choice. Percentages may not alwaysadd up to 100% due to rounding.
Full question wording and results are available separately at www.kff.org
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When asked what is the highest amount theyd be willing to pay for various aspects of health insurance, people give a variety
of responses.
When asked the highest amount they would accept for a monthly premium if they were shopping for health insurance,
about half (49%) name amounts of $200 or less, just over a quarter (28%) name amounts greater than $200, and another
quarter (24%) say they dont know. Those earning less than $30,000 a year, and those who are currently uninsured name
lower amounts, and are more likely to say they dont know (Chart 10).
When it comes to deductibles, about four in ten (42%) say they would accept amounts of $200 or lower, while three in
ten (30%) would accept higher amounts, and about one in five (18%) say they dont know. Again, the uninsured and
those with low incomes are more likely to name lower amounts, and to say they dont know (Chart 10).
More than half (56%) say that they would accept amounts of $20 or lower for a doctor visit co-pay, while a third ($33)
name amounts higher than $20, and about one in ten (11%) say they dont know. When it comes to prescription drug co-
pays, more than a third (35%) say they would pay amounts up to $10, three in ten (31%) name amounts between $10 and
$20, one in five (22%) name higher amounts, and 12% say they dont know. When it comes to co-pays, the uninsured
and those with lower incomes are somewhat more likely to name lower amounts (Chart 11).
3
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SECTION II. ATTITUDES TOWARD EMPLOYER-SPONSORED INSURANCE
People with employer-sponsored insurance (ESI) are sympathetic with their employers, and they prefer to get their insurance at
work rather than trying to buy it on their own. Those insured through an employer are somewhat divided on whether they view
health insurance coverage as part of, or separate from, their monetary compensation.
Nearly eight in ten (79%) of those insured through an employer say their employer is doing the best they can to provide
them with affordable health insurance coverage (Chart 12).
When given the option, more than half (55%) of those with ESI say they would rather have their employer pay for their
coverage at work, 7% say they would rather receive cash to buy insurance on their own, and 37% say it wouldnt make
much difference. Large majorities say purchasing their own coverage would make it more difficult for them to get a goodprice for insurance (81%), to find or keep insurance if they are sick (79%), to handle administrative issues (73%), and to
find a plan that matches their needs well (71%) (Chart 13).
Just over half (55%) of those with ESI say they consider having their health insurance paid for by their employer as part of
their wages, while about four in ten (39%) say they consider it separate from their wages. Those with employer coverage
are almost evenly divided about whether they would prefer to have a larger amount deducted from their paycheck for health
insurance (47%) or give up a future wage increase (41%). However, more than half (52%) say they would choose morecomprehensive benefits over higher wages, while 36% say they would choose higher wages, and 11% dont know (Chart
14). Interestingly, people with lower incomes and those with higher incomes give similar responses to all three of these
questions.
4
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SECTION III. ALTERNATIVE HEALTH INSURANCE OPTIONS
Flexible spending accounts (FSAs) are one alternative employer-based option that has been in use for some time. While about
four in ten of those with employer-sponsored insurance report that their employer offers an FSA, a much smaller share report
having contributed money to an FSA in the last year.
When read a description of an FSA (these accounts allow employees to contribute a certain amount of pre-tax dollars at the
beginning of the year that may be used throughout the year to pay for medical expenses not covered by their insurance),
about four in ten (42%) of those insured through an employer (26% of the total non-elderly population) say their employer
offers an FSA1
. About a third (34%) of those who say they are offered an FSA (14% of all employer-insured) reportcontributing money to such an account (Chart 15).
Among those who say they contribute money to an FSA, more than half (55%) report contributing less than $1,000, three in
ten (31%) say they contribute $1,000 or more, and the rest say they dont know how much they contribute (Chart 15).
1 Note: This finding is based on self-report by employees. According to the 2003 Kaiser Family Foundation/Health Research and Educational
TrustEmployer Benefits Survey, a survey of employers, 16% of firms (employing 66% of workers who were covered by employer-based health
insurance) offered an FSA in 2003.5
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Charts Section 1Public Expectations of
Health Insurance
Chart 1
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Chart 1
Most Important Reason to Have Insurance
Percent saying each of the following is the most important reason to havehealth insurance
61%
72%
73%
85%
76%
71%
34%
25%
20%
24%
14%
25%
78%
21%
To protect against highmedical bills
To pay for everydayhealth care expenses
Note: Dont know responses not shown
Total
Income less than $30K
Income $50K or more
Income $30K-$50K
Insured through employer
Uninsured
Purchase own insurance
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 2
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Chart 2
Feelings of Vulnerability
If you had a plan that did not pay for (ITEM) but covered everything else, would you feel
Vulnerable to high medical bills Well-protected by your insurance
Hospitalization
Routine doctors visits andcheck-ups
Visits to medical specialists
Prescription drugs
56%
58%
76%
81%
88%
93%
40%
37%
31%
22%
17%
10%
63%
6%
Home health care
Pregnancy and maternitycare
Mental health
Note: Dont know responses not shown
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 3
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Chart 3
Whats Important in a Health Plan
Percent saying each of the following is the most important factor to them andtheir family in a health insurance plan
44%
40%
45%
37%
33%
35%
26%
30%
34%
22%
27%
30%
23%
27%
29%
24%
30%
27%
27%
29%
33%
Total
Insured through employer
Uninsured
Income less than $30K
Income $50K or more
Range of benefitsLow cost* Choice of doctors
Income $30K-$50K
Purchase own insurance
* Low cost includes responses for low premium, low co-payments, and low deductible. Note: Dont know responses not shown
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 4
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C a t
Reasons for Choosing Current Plan
Among those insured through an employer who were offered a choice of plans,percent saying each of the following was the main reason they picked their plan
29%
28%
21%
20%
27%
25%
25%
30%
32%
42%
38%
6%
5%
13%
8%
19%
4%
4%
8%
7%
Total
Income less than $30K
Income $50K or more
Plan covered widerange of benefitsor a specific
benefit you need
Cost of theplan was lessthan other
options
You liked thechoice ofdoctors and
hospitals
Income $30K-$50K
Plan was easy tounderstand andrequired minimal
paperwork
Otherreason
Note: Dont know responses not shown
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 5
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Health Plan Grades
Among those with health insurance, percent saying they would give their plan thefollowing grades
19%
26%
27%
32%
46%
45%
29%
21%
20%
8%
4%
4%
4%
2%
1%
Total
B forgood
A forexcellent
C foraverage
Note: Dont know responses not shown
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
D forpoor
F forfailing
Insured through employer
Purchase own insurance
Chart 6
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Employer-insured Want to Keep What They Have
Among those insured through an employerMany employers are trying to find ways to deal with the rising cost of health insurance.If your employer gave you the following two options, which would you choose?
75%
80%
76%
29%
20%
16%
19%
5%
4%
5%
64% 6%
Continue to receive the samecoverage you have now, but youare required to pay a highermonthly premium
Total employer-insured
Dontknow
Switch to a plan that is morerestrictive and offers fewerbenefits, but continue to paywhat you pay now
Income lessthan $30K
Income $50K
or more
Income$30K-$50K
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 7
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Assessment of Current Plan
Which of the following three statements comes closest to your own view aboutyour current health insurance coverage?
45%
54%
43%
58%
57%
45%
40%
36%
46%
38%
38%
9%
5%
11%
62%
4%
3%
2%
Total insured
Insured through employer
Income less than $30K
Income $50K or more
My health insurance isadequate, but I worrythat my family might
have health care needsthat it wont pay for
My health insurance isgood and I feel well-protected when it
comes to my familyshealth care needs
My health insurance isinadequate, and I feelvery worried about my
familys health careneeds not being paid for
Income $30K-$50K
Purchase own insurance
Note: Dont know responses not shown
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 8
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Cost Is Main Barrier for the Uninsured
Percent of the uninsured saying each of the following is the main reason they donthave insurance
11%
52%
7%
5%
3%
3%
You dont think you need insurance
Cant get it due to poor health, illness, or age
It is too expensive
Other family member has insurance, but itdoesnt cover you
You dont know how to get insurance
Employer offers plan, but you are not eligiblebecause of waiting periods or part-time work
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 9
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Perceptions of Insurance Cost Among the Uninsured
Among the uninsuredAbout how much do you think itwould cost per month to buy healthinsurance for just yourself?
About how much do you think it wouldcost to buy health insurance for yourfamily? (Asked of those with families)
16%
20%
16%
4%
44%
$0-$199
Dont know
$500-$999
$1,000+
18%
18%
19%
6%
40%
$0-$99
Dont know
$200-$399
$400+
$100-$199 $200-$499
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 10
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Willingness to Pay for Premiums and Deductibles
If you were shopping for a health insurance policy, what would be the highestdollar amount you would consider for each of the following?
30%
6%
8%
14%
21%
20%
28%
6%
5%
15%
20%
25%
24%
16%
11%
19%
16%
14%
Monthly premium
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
$0-$50
Dont know
$201-$300
$300+
$101-$200
Deductible
$51-$100
30%
16%
7%
11%
15%
22%
27%
13%
9%
11%
14%
26%
18%
28%
12%
11%
12%
19%
Total
Income
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Willingness to Pay for Doctor and Rx Co-pays
If you were shopping for a health insurance policy, what would be the highestdollar amount you would consider for each of the following?
19%
17%
11%
27%
25%
15%
17%
13%
29%
26%
11%
16%
17%
35%
21%
Doctor visit co-pay
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
$0-$10
Dont know
$30+
$21-$30
Prescription drug co-pay
$11-$20
17%
10%
6%
26%
15%
13%
8%
25%
12%
12%
10%
31%
35%
39%
40%
Total
Income
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Charts Section 2
Attitudes Towards
Employer-Sponsored Insurance
Chart 12
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Employer Is Doing the Best They Can
Among those insured through an employerWould you say that your employer is or is not doing the best they can to provideyou and your family with affordable health insurance coverage?
Employer is doingthe best they can
Employer is notdoing the bestthey can
3%
79%
19%
Dontknow
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 13
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Employees Prefer to Have Employers Purchase Insurance
Among those insured through an employer
What if your employer gave you the cash amountthey would have contributed to your insurance, andyou had to buy health insurance on your own. Doyou think purchasing your own coverage would
make it EASIER or HARDER for you to orwouldn't it make much difference?
Would you prefer to have your employerpay for all or part of your health insuranceat work, or would you rather buy healthinsurance yourself, with your employer
giving you the cash amount they wouldhave contributed or doesnt it makemuch difference to you?
71%
73%
79%
81%
17%
21%
15%
6%
4%
4%
9%
10%Get a good price
for insurance
Find a plan that
matches yourneeds well
Find or keepinsurance ifyou are sick
Handleadministrative
issues
7%
37%
1%
55%
Prefer
employer topay
Rather buypolicy with
cash
No differenceDont know
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Easier Harder No difference
Chart 14
W B fi
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Wages vs. Benefits
Among those insured through an employer:
Do you consider having your health insurance paid for by your employer
55% 39% 6%
Part of your wages Separate from your wages Dont know
Employers are trying to find ways to deal with rising health care costs. Would you rather
47% 41% 11%
Give up a future wage increase Pay more for health insurance Dont know
Would you rather have
52% 36% 12%
More comprehensive healthbenefits and lower wages
Less comprehensive healthbenefits and higher wages
Dont know
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
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Charts Section 3
Alternative Health Insurance
Options
Chart 15
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Flexible Spending Accounts
Among those insured through an employerPercent who say their employer offers/theyparticipate in a flexible spending account
Among those who participate in an FSA,percent who say they contributed thefollowing amount last year
23%
8%
24%
18%
13%
13%
Less than $100
Dont know
$100 to $499
$2000+
27%
49%
9%14%
Employer offers
FSA, but dontparticipate
Employer
does notoffer FSA
Dont know if
employeroffers FSA
Participate in
employer-offered FSA
$500 to $999
$1000 to $1999
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 16
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Attitude Toward Tax Credits by Insurance Status
If the federal government provided you with a $3,000* tax credit that you coulduse to purchase health insurance for your family, how likely do you think youwould be to find a plan to meet your familys needs?
26%
32%
18%
20%
29%
18%
31%
30%
11%
15%
14%
5%
6%
15%
12%
31%
32%
20%
23%
9%
Employer-insured
Purchase owninsurance
Uninsured
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
* Amount shown was asked of those with families. Individuals were asked about a $1,000 tax credit.
** Total excludes those with public health insurance (Medicare or Medicaid)
Total**
Somewhat
likely
Very
likely
Not too
likely
Not at all
likely
Dont know
enough to say
Chart 17
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Attitude Toward Tax Credits by Income, Age, Health Status
If the federal government provided you with a $3,000* tax credit that you coulduse to purchase health insurance for your family, how likely do you think youwould be to find a plan to meet your familys needs?
20%
13%
15%
21%
26%
23%
20%
20%
32%
28%
26%
31%
32%
31%
35%
28%
19%
17%
14%
11%
11%
10%
16%
14%
19%
16%
12%
8%
8%
9%
16%
20%
21%
25%
22%
23%
26%
25%
20%
14%
Somewhatlikely
Verylikely
Not toolikely
Not at alllikely
Dont knowenough to say
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
* Amount shown was asked of those with families. Individuals were asked about a $1,000 tax credit.
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Tax Credits Options by Insurance Status
On average, the cost of insurance is around $8,000* a year for a family. If thefederal government provided you with a $3,000* tax credit, what would you bemost likely to do?
31%
20%
17%
20%
74%
72%
67%
18%
7%
9%
45%
2%
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Employer-insured
Purchase owninsurance
Uninsured
* Amount shown was asked of those with families. Individuals were asked about a $1,000 tax credit, and an average cost of $3,000 a year for an individual.
** Total excludes those with public health insurance (Medicare or Medicaid)
Total**
Supplement the tax credit w/your own
money to get more comprehensive plan
Purchase whatever plan
you can find for $3,000*
Go without
insurance
Chart 19
Tax Credits Options by Income Age Health Status
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Tax Credits Options by Income, Age, Health Status
On average, the cost of insurance is around $8,000* a year for a family. If thefederal government provided you with a $3,000* tax credit, what would you bemost likely to do?
17%
15%
17%
19%
25%
32%
23%
14%
73%
72%
68%
69%
61%
47%
65%
77%
6%
10%
9%
8%
11%
15%
9%
6%
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
* Amount shown was asked of those with families. Individuals were asked about a $1,000 tax credit , and an average cost of $3,000 a year for an individual.
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Tax Credits Compared With Other OptionsFor the Uninsured
Which of the following three options would you prefer to give you (and your family)greater access to health care?
19%
40%
33%
7%
Publicly-sponsoredhealth insurance
coverage, such asthat offered throughMedicaid, is madeavailable to you andyour family for low orno cost
Dont know
The federal government
provides a $3,000* taxcredit that you can useto purchase health
insurance foryourself and your
family
A new public clinic isopened in your community
where you and your familycan receive basic medicalcare at little or no cost, but itdoes not offer hospital care
* Amount shown was asked of those with families. Individuals were asked about a $1,000 tax credit.
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Chart 21
Catastrophic Plan Favorability by Insurance Status
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Catastrophic Plan Favorability by Insurance Status
There is a type of insurance plan that only starts paying once you and your family have paid$5,000* of medical expenses out of your pocket. After that, it would cover medical expenseslike traditional insurance, requiring you to pay some co-payments each time you useservices. The monthly premium for the plan would be less than half of what you would payfor a typical comprehensive health insurance policy. Is your opinion of this plan
5%
11%
5%
18%
17%
10%
13%
19%
21%
20%
21%
42%
62%
56%
8%
9%
4%
6%
3%
50%
Somewhatfavorable
Veryfavorable
Somewhatunfavorable
Veryunfavorable
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
*Amount shown was asked of those with families. Individuals were asked about a $2,000 deductible.
Dontknow
Employer-insured
Purchase owninsurance
Uninsured
Total
Chart 22
C hi Pl F bili b I A H l h S
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Catastrophic Plan Favorability by Income, Age, Health Status
[Catastrophic plan with $5,000* deductible**] What is your opinion of this type of plan?
Somewhatfavorable
Veryfavorable
Somewhatunfavorable
Veryunfavorable
Dontknow
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
*Amount shown was asked of those with families. Individuals were asked about a $2,000 deductible. **See Chart 21 for full question wording.
4%
4%
6%
6%
14%
11%
12%
11%
18%
15%
15%
11%
19%
19%
18%
27%
21%
22%
20%
54%
60%
58%
60%
45%
52%
55%
61%
6%
6%
7%
6%
5%
5%
4%
5%
3%
3%
21%
4%
4%
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Catastrophic Plan Vulnerability by Insurance Status
There is a type of insurance plan that only starts paying once you and your family have paid$5,000* of medical expenses out of your pocket. After that, it would cover medical expenseslike traditional insurance, requiring you to pay some co-payments each time you use services.The monthly premium for the plan would be less than half of what you would pay for a typicalcomprehensive health insurance policy. If you had this insurance, would you feel?
19%
30%
16%
74%
64%
84%
79%
7%
6%
5%
11% 4%
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
*Amount shown was asked of those with families. Individuals were asked about a $2,000 deductible.
Employer-insured
Purchase owninsurance
Uninsured
Total
Well protected by yourhealth insurance
Vulnerable to highmedical bills
Dontknow
Chart 24
Catastrophic Plan Vulnerability by Income Age Health Status
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Catastrophic Plan Vulnerability by Income, Age, Health Status
[Catastrophic plan with $5,000* deductible**] If you had this type of plan, would you feel?
16%
15%
14%
14%
21%
18%
13%
79%
80%
79%
80%
76%
74%
83%
82%
5%
6%
6%
7%
14%
4%
4%
3%
3%
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Views of Consumer Driven Health Plans
Among those insured through an employer
Suppose your employer pays for a health plan that only starts to pay after your family hasspent $4,000* in medical expenses. They also put $2,000* in an account you can use formedical costs. If your familys medical expenses are more than $2,000*, you have to paywith your own money until you hit the $4,000* limit.
18%
78%
5%5%
16%
21%
52%
6%
Veryfavorable
What is your opinion of this type of plan? If your employer switched to this type ofplan, would you feel?
Dont
know
Vulnerableto high
medical
bills
Dontknow
WellProtectedby your health
insurance
Somewhatfavorable
Somewhatunfavorable
Veryunfavorable
*Amounts shown were asked of those with families. Different amounts were used for individuals ($2,000 deductible, $1,000 account).
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Defined Contribution Plan Favorability byChart 26
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Gender, Education, Party ID
[Defined contribution plan with $4,000* deductible and $2,000 account**] What is youropinion of this type of plan? (Asked of those insured through an employer)
Somewhatfavorable
Veryfavorable
Somewhatunfavorable
Veryunfavorable
Dontknow
9%
9%
5%
6%
19%
18%
12%
21%
14%
12%
13%
18%
23%
19%
22%
20%
22%
22%
21%
43%
51%
59%
43%
57%
56%
53%
50%
5%
5%
6%
6%
5%
3%
7%
24% 4%
4%
4%
4%
3%
College grad
HS or less
Some college
Republican
Democrat
Independent
*Amounts shown were asked of those with families. Different amounts were used for individuals ($2,000 deductible, $1,000 account).**See Chart 25 for full question wording.
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
Party ID
Education
Male
Female
Gender
Chart 27
Defined Contribution Plan Vulnerability by
7/31/2019 2003 Health Insurance Survey Summary and Chartpack
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y yGender, Education, Party ID
[Defined contribution plan with $4,000* deductible and $2,000 account**] If you hadthis type of plan, would you feel? (Asked of those insured through an employer)
24%
22%
13%
15%
71%
82%
80%
72%
78%
82%
81%
74%
6%
4%
3%
6%
3%
5%
4%
5%
17%
18%
15%
21%
Well protected by yourhealth insurance
Vulnerable to highmedical bills
Dontknow
College grad
HS or less
Some college
Republican
Democrat
Independent
Party ID
Education
Male
Female
Gender
*Amounts shown were asked of those with families. Different amounts were used for individuals ($2,000 deductible, $1,000 account).**See Chart 25 for full question wording.
Source: Kaiser Family Foundation Health Insurance Survey, 2003 (conducted April 30 July 20, 2003)
7/31/2019 2003 Health Insurance Survey Summary and Chartpack
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