CHIA finds tiered network membership up 11%, with lower premiums and higher cost-sharing for members

February 17, 2016

The Center for Health Information and Analysis published its Massachusetts Tiered Network Membership brief as part of its Annual Report on the Performance of the Massachusetts Health Care System Series, which profiled overall membership and cost trends from 2012 to 2014. The brief, along with a technical appendix and databook, found:

  • Tiered network membership increased by 11% (+68,000 members) since 2013, and 18% (+108,000 members) since 2012, as overall private commercial membership remained flat;
  • In 2014, fully-insured tiered network plan members paid 3.2% less in average premiums and 12% more in cost sharing than non-tiered network plan members;
  • Cost-sharing fell from 2013 to 2014 for both fully-insured and self-insured members (-4.3% and -3.6%, respectively), as non-tiered cost-sharing increased over the same period;

Previous installments in this series have examined variations in total medical expenses, medical loss ratios, high deductible health plans and provider quality.