Table 2.

Variable Names and Descriptive Statistics

		Total (N = 915)
Variable	Description	Sample Mean	Standard Deviation	Weighted Mean	Weighted Standard Deviation
Plan Choices of Employees
HMO	In HealthPartners HMO=1, else=0	0.314	0.464	0.551	2.101
CDHP	In Definity (consumer-driven plan)=1, else=0	0.457	0.498	0.043	0.853
PTC	In Choice Plus=1, else=0	0.177	0.382	0.300	1.937
PPO	In PreferredOne PPO=1, else=0	0.052	0.223	0.106	1.300
Employee Chararacteristics
	Employee's tax-adjusted medical insurance annual premium	$ 1,522.77	823.427	$ 1,556.85	3,636.050
	Employee or immediate family member has chronic condition = 1, else = 0	0.360	0.480	0.370	2.040
	Employee elected a family contract = 1, single contract = 0	0.485	0.500	0.514	2.112
	Employee's salary minus tax liabilities	$ 31,702.54	19,642.040	$ 27,250.66	62,359.420
	Employee is female=1, male=0	0.447	0.497	0.434	2.094
	Employee age in 2002	45.86	11.712	44.043	50.605
	Employee answered flexible spending account quiz question = 1, else = 0	0.71	0.454	0.725	1.887
Employee Preferences for Health Plan Features: 1=important feature, 0=else
	Health plan has a national network of providers and hospitals.	0.271	0.445	0.210	1.721
	Health plan covers preventive services, such as physical exams.	0.493	0.500	0.515	2.112
	The health plan's network includes my doctors.	0.701	0.458	0.650	2.015
	The health plan does not require referrals or preauthorizations.	0.412	0.492	0.339	2.000
	The health plan has no copayments.	0.420	0.494	0.535	2.107
	The balance in a personal care account or medical savings account rolls over to the next benefit year to pay for medical expenses.	0.242	0.428	0.197	1.679
	The plan has online tools and resources that I need to manage my care.	0.070	0.255	0.070	1.077

Note: Health plan population weights are used in the logit choice model.