Real 80/20 cost-sharing In 2001, law changed to make the cost-sharing split between the state and actives at 80/20 by 2007 In 2001, law changed to make the cost-sharing split between the state and actives at 80/20 by 2007 80/20 is not co-insurance, but premium cost-sharing 80/20 is not co-insurance, but premium cost-sharing PEIA interprets law to apply to premiums only, not counting co-pays and deductibles (out-of-pockets) PEIA interprets law to apply to premiums only, not counting co-pays and deductibles (out-of-pockets) If all costs are included, ratio is closer to 70/30 If all costs are included, ratio is closer to 70/30 Instead of covering 20%, employees cover 30% Instead of covering 20%, employees cover 30% Employees are paying 50% more Employees are paying 50% more
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