November 23, 2010 
This came out a few months ago, and I’ve been carrying it around for a while. (Here’s the summary.)
I read section 9 which is about the prescription drug benefits. A few facts from the report:
- Almost 3/4 of people have copays (i.e., flat dollar amount) versus co-insurance (i.e., percentage of cost).
- The average copayments were:
- $11 first-tier
- $28 second-tier
- $49 third-tier
- For co-insurance, the payments were:
- 17% first-tier
- 25% second-tier
- 38% third-tier
- 13% of workers had a plan with four or more tiers
- 5% of workers have plans were the cost sharing is the same regardless of drug chosen
One of the more interesting things I saw is that average copays on first and second tier drugs are going up while the average coinsurance is going down. Not much but directionally interesting.
Enabling Healthy Decisions 
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