Table 2.

Health Plan Enrollments by Plan and Duration of Coverage

	Plan
	HMO	PPO, Less Generous	PPO, Generous	All Plans
Distribution of choices by duration of coverage and family health
Enrolled within last year
All families	0.39	0.14	0.47	1.00
No family health problems	0.35	0.20	0.44	1.00
Adult chronic medical condition	0.40	0.06	0.54*	1.00
Adult mental health condition	0.55	0.05	0.40*	1.00
Child health condition	0.37	0.17	0.46*	1.00
Enrolled in plan 3–4 years
All families	0.36	0.09	0.55	1.00
No family health problems	0.40	0.14	0.46#	1.00
Initial poor health
Adult chronic medical condition	0.30	0.04	0.66*#	1.00
Adult mental health condition	0.46	0.04	0.50*#	1.00
Child health condition	0.41	0.12	0.46*#	1.00
Recent poor health
Adult chronic medical condition	0.32	0.07	0.61*+	1.00
Adult mental health condition	0.45	0.07	0.48*	1.00
Child health condition	0.41	0.13	0.46*	1.00
Distribution of health risks within a plan by durationa
Cohort enrolled within last year
No family health problems	0.75	0.92	0.76	0.79
With health problem	0.25	0.08	0.24	0.21
Cohort enrolled in plan 3–4 years
No family health problems	0.51	0.67	0.39	0.46
Initial poor health	0.24	0.15	0.32	0.27
Recent poor health	0.25	0.19	0.29	0.26
Steady state pool after 4 years
No family health problems	0.69	0.87	0.62	0.69
Initial poor health	0.21	0.08	0.26	0.22
Recent poor health	0.10	0.05	0.12	0.09

^*Significantly different from no health problem at p =.05.

^#Significantly different from enrolled within last year.

⁺Significantly different from initial pool health for cohort at p =0.05.

^aNo tests of statistical significance.

HMO, health maintenance organization; PPO, preferred provider organization.