A gap between individual and small group health insurance coverage rates and the rates offered in plans provided by larger firms has been documented in a new report from Changes in Health Care Financing & Organization, an initiative of the Robert Wood Johnson Foundation. According to the report, individuals choosing from small group plans typically pick plans with a $1,000 to $1,500 deductible and those enrolled in individual plans typically have deductibles between $2,000 and $2,500. In contrast, most enrollees in insurance plans provided through a larger employer choose plans with deductibles between $500 and $1,000. The researchers point out that little attention has been paid to how health benefits are structured for individuals purchasing healthcare coverage in the small group or individual markets. The research analyzes survey data provided by America’s Health Insurance Plans.
