6. LMC Survey City Co Sch Provide Ins Summary2014 Health Insurance Survey
Summary: Cities, Counties and Schools
Does your local government provide a health insurance plan to some or all of its employees?
Yes No
Counties 98% 2%
Cities 70% 30%
Schools 98% 2%
Which of the following best describes your plan? (insurance providers)
The plan is self-insured: your
organization funds the claims of
your employees, even if you
contract with a third party to
make the payments.
The plan is fully-insured: you contract with
an insurance provider such as Health
Partners (and pay a monthly premium) and
they both fund and pay the claims.
The plan is purchased
from and administered
by a service co-op.
Counties 29% 23% 48%
Cities 5% 62% 32%
Schools 14% 20% 65%
If your plan is self-insured, who is your carrier or plan administrator? (insurance providers)
Blue Cross Medica HealthPartners Preferred One Other
Counties 66% 4% 7% 14% 9%
Cities 67% 14% 14% 3% 3%
Schools 68% 3% 15% 5% 9%
Do you provide cash in lieu for employees who decline coverage? (insurance providers)
Yes No
Counties 10% 90%
Cities 22% 78%
Schools 9% 91%
If YES, what is the average monthly amount of cash given to an employee? (insurance providers)
< $200 $201-500 $501-1000 $1000+
Counties 40% 20% 30% 10%
Cities 30% 49% 22% 0%
Schools 38% 44% 19% 0%
Please list both the employee and employer monthly premiums for the plan covering the majority of
employees (average shown): (insurance providers)
Employee for single plan Employer for single plan Employee for family plan Employer for family plan
Counties $46 $691 $632 $1616
Cities $77 $524 $375 $1050
Schools $156 $788 $1119 $1319
For the above plan, what is the individual deductible for the plan covering the majority of employees?
(insurance providers)
$0-500
$501-1000 $1001-2000 $2001-3000 $3001-4000 More than
$4000
Counties 14% 7% 17% 31% 14% 10%
Cities 27% 8% 23% 25% 7% 4%
Schools 25% 13% 25% 15% 5% 2%
Please rank on a scale of 1-4 what you see as the biggest barrier to sustaining your health plan outside of
costs (1 being the biggest barrier, 4 being the smallest barrier): (ranked #1) (insurance providers)
Employee knowledge
and engagement in
their health care
Collective
bargaining
agreements
Health care provider issues - e.g.
employee access to network
price competition
State and federal
laws - e.g.
aggregate value
Counties 35% 29% 8% 28%
Cities 20% 19% 15% 45%
Schools 29% 29% 14% 30%
Which one of the following is your most important partner in managing your health plan? (insurance
providers)
Broker/Consultant Service Coop Health Plan Provider Employees
Counties 32% 45% 22% 2% 0%
Cities 41% 26% 18% 2% 12%
Schools 12% 29% 29% 29% 0%
How would you describe employees’ knowledge of what drives their health care costs? (insurance providers)
Very good Good Fair Poor
Counties 6% 24% 71% 0%
Cities 9% 45% 46% 0%
Schools 5% 27% 67% 0%
Do you have a labor/management or employee committee that studies employee benefit issues? (insurance
providers)
Yes No
Counties 81% 19%
Cities 30% 70%
Schools 58% 42%
If public sector organizations were to collaborate on health care costs, please rank the following on a scale of
1-5 in terms of what would be the most helpful to your organization (with 1 being the most helpful and 5
being least helpful): (all respondents) (ranked #1)
Model wellness program
Bargaining strategies
with union
Legislative
changes
Bargaining clout with insurance
companies or health care
providers in the region
Counties 10% 13% 18% 53%
Cities 7% 5% 18% 54%
Schools 8% 17% 22% 47%
Rank on a scale of 1-8 the following employee health plan subjects in terms of your interest in receiving
information on them in the future (ranked #1, all respondents)
How to
work with
health care
providers
Wellness
programs
How to engage
employees/unions
Affordable
care act
Retiree
health
care
How to use the
MNSure exchange
How to self
insure
Counties
18% 10% 27% 33% 1% 0% 4%
Cities
20% 9% 14% 27% 6% 6% 10%
Schools
8% 6% 15% 55% 5% 4% 2%