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Scientific Data Documentation
Policy Holders, 1987

NMES87-PolicyHolders.ZIP

This compressed file contains 3 data sets for the NMES 1987 policy holders data:

DATA1
DATA2
SRC

DATA PURCHASE AND USE AGREEMENT
           
   For use with the 1987 National Medical Expenditure Survey Data

  Individual identifiers have been removed from the micro-data tapes available
  from the Agency for Health Care Policy and Research through NTIS.  Neverthe-
  less, under sections 308(d) and 903(c) of the Public Health Service Act (42
  U.S.C. 242m and 42 U.S.C. 299 a-1), data collected by the Agency for Health
  Care Policy and Research may not be used for any purpose other than the pur-
  pose for which it was supplied.  The information on the micro-data tapes
  available for purchase was supplied to the Agency for statistical summaries
  and health services research.  It is necessary, therefore, that the indivi-
  dual ordering such micro-data tapes sign the following assurance:

  The undersigned gives assurance that individual elementary unit data on the
  micro-data tapes being ordered will be used solely for statistical summaries
  and health services research.


ABSTRACT

 Background

               Policyholders of Private Health Insurance:
       Premiums, Payment Sources, and Type and Source of Coverage

         This documentation describes one in a series of public use
     tapes issued by the Agency for Health Care Policy and Research
     with data from the National Medical Expenditure Survey.  This
     survey provides extensive information on health expenditures by
     or on behalf of families and individuals, the financing of these
     expenditures, and each person's use of services.  The National
     Medical Expenditure Survey (NMES) is a research project of the
     Center for General Health Services Intramural Research, Agency
     for Health Care Policy and Research.

       Since the 1970s the intramural research program has given
     particular emphasis to studies of the use and financing of health
     services.  The first series of studies (NMES-1) employed data
     collected in the 1977 National Medical Care Expenditure Survey.
     NMES-1 produced information on a broad range of issues such as
     the number and characteristics of the uninsured and the
     underinsured, the tax implications of excluding employer-paid
     premiums for health insurance from employee income, and the
     differences among socioeconomic and demographic groups with
     respect to the use of health services.

       A new series of studies (NMES-2) was initiated in the 1980s.
     These studies also involve a major data collection effort - the
     1987 National Medical Expenditure Survey.  Like its predecessor,
     NMES-2 provides information about the noninstitutionalized
     population.  In addition and in contrast to the earlier studies,
     NMES-2 also provides extensive information on the population
     residing in or admitted to nursing homes and facilities for the
     mentally retarded.

       The Household Component of NMES-2 is based on a national
     probability sample of the civilian, noninstitutionalized
     population living in the community.  The sample is designed to
     provide a larger representation of population groups of special
     policy interest to the Federal Government than would have been
     obtained from a random sample. These groups include poor and low
     income families, the elderly, the functionally impaired, and
     black and Hispanic minorities.  A Survey of American Indians and
     Alaska Natives includes a separate sample of American Indians and
     Alaska Natives living on or near Federal reservations and
     eligible to receive care provided or supported by the Indian
     Health Service. The Institutional Population Component includes a
     sample of persons residing in or admitted to nursing and personal
     care homes and facilities for the mentally retarded during 1987.
     A separate Medicare Records Component provides claims data on all
     Medicare beneficiaries included in the household and
     institutional samples.

       Together, the major components of NMES-2 contain information to
     make national estimates of health status, use of health services,
     insurance coverage, expenditures, and sources of payment for the
     civilian population of the United States during the period from
     January 1 to December 31, 1987.  Oversampling of population
     groups of special interest makes possible in-depth studies of
     these groups.  The database can also be used to assess the
     implications of recent or proposed changes in public or private
     health care benefits, methods of financing both health care and
     insurance coverage, various public and private subsidies for
     health care, and  employee compensation arrangements.

 Household Survey

       Each family in the Household Survey was interviewed four times
     over a period of 16 months to obtain information about the
     family's  health and health care during calendar year 1987.
     Baseline data on household composition, employment, and insurance
     were updated at each interview, and information was obtained on
     illnesses, use of health services, and health expenditures for
     each family member.  A fifth round of interviews was conducted in
     the spring of 1988 to obtain information on the tax filing and
     medical deductions of each household.  A long term care
     supplement was administered during the first and fourth rounds of
     interviewing to permit estimates of persons with functional
     disabilities and the use of formal services or long term care
     provided by family or friends.

       In order to verify and supplement the information provided by
     household respondents, the Household Component of NMES-2 included
     two additional surveys. The Medical Provider Survey obtained
     information from the physicians, hospitals, outpatient clinics,
     emergency rooms, and home health agencies used by the  household
     sample during 1987.  The Health Insurance Plans Survey obtained
     information on the private insurance of persons in the household
     sample, including premiums paid by all sources and the provisions
     of their coverage.

 Survey of American Indians and Alaska Natives (SAIAN)

       This component was conducted with the same data collection
     instruments and interview procedures as the Household Component
     and covered the same reference period, calendar year 1987.  SAIAN
     also included follow-up surveys to medical providers and health
     insurers.  Consequently, the data can be used to compare American
     Indians and Alaska Natives eligible for care from the Indian
     Health Service and the general U.S. population with regard to
     such issues as health status, use of health services, and access
     to  care.  Information was obtained on services provided outside
     the Indian Health Service and on other sources of health care
     financing available for persons eligible for care from the IHS.

 Institutional Population Component

       The Institutional Population Component of NMES-2 included
     persons resident in or admitted to nursing and personal care
     homes and facilities for the mentally retarded at any time in
     calendar year 1987.  This survey provides information on the
     functional status, use of services, and health expenditures of
     the institutionalized population.  The Survey in Institutions
     (SII) collected data from facility administrators and designated
     staff on the characteristics of facilities and charges.  The
     Survey of Next of Kin (SNK) obtained data from the respondent's
     next-of-kin or other knowledgeable persons in the community on
     the financial status, insurance coverage, and personal history of
     the institutionalized person.

 Survey Samples

       All survey components were designed to provide statistically
     unbiased estimates that are representative of the civilian
     population of the United States in 1987.  The Household Survey
     sample is a stratified multistage area probability design with a
     total sample of roughly 35,000 individuals, in 14,000 households,
     who completed all rounds of data collection.  Oversampling of the
     population subgroups of special policy interest was based on a
     separate screening interview conducted in the fall of 1986 with a
     sample of 36,000 addresses.

       The Survey of American Indians and Alaska Natives adopted a
     multistage area probability sample design using an IHS-
     constructed frame of counties with individuals eligible for
     services provided or supported by the Indian Health Service and
     living on or near Federally recognized reservations or in Alaska.
     An initial screening interview was completed in approximately
     13,700 dwelling units to identify the eligible sample.  The
     screening yielded approximately 1,950 households responding for
     the full year and approximately 6,500 SAIAN persons responded for
     their entire period of eligibility in 1987.

       The institutional population sample was based on a three stage
     probability design. The first two stages were used to select
     facilities; the final stage sampled facility residents present on
     January 1, 1987.  These facilities were also used to obtain a
     sample of admissions between January 1, 1987, and December 31,
     1987.  Based on sampling specifications the Institutional
     Population Component includes 1,500 facilities, 800 nursing homes
     and 700 facilities for the mentally retarded.  There is a total
     of approximately 10,100 persons in the sample including both
     residents and new admissions.  This includes 5,700 persons in
     nursing homes and 4,400 persons in facilities for the mentally
     retarded.  The sample frame for facilities in the Institutional
     Population Component was derived from the 1986 Inventory of Long-
     Term Care Places.

       Taken in conjunction, the NMES-2 surveys yield comprehensive,
     population-based information that will support studies of most
     population groups of policy interest, including those presently
     outside the scope of various public and private financing
     mechanisms.  In contrast to information obtained from program or
     provider statistics, NMES-2 data can be used to analyze all
     public and private sources of coverage for health care services
     and out-of-pocket payments by individuals and families.

       The Agency for Health Care Policy and Research sponsored the
     NMES-2 data collection activities.  A substantial part of the
     support for the Survey of American Indians and Alaska Natives was
     provided by the Indian Health Service.  The Health Care Financing
     Administration, the National Center for Health Statistics, and
     the Office of the Assistant Secretary for Planning and Evaluation
     provided extensive technical assistance during the development of
     the survey design and instruments.  Interviews were conducted by
     the primary contractor, Westat, Inc., Rockville, Maryland and by
     NORC, University of Chicago; the Council of Energy Resource
     Tribes, Denver, Colorado; and Stephen R. Braund and Associates,
     Anchorage Alaska.  Data processing during the analysis stage of
     the project is being provided by Social and Scientific Systems,
     Inc., Bethesda, Maryland.

       The data were collected under the authorities of the Public
     Health Service Act and are being edited and published in
     accordance with the confidentiality provisions of that Act and
     the Privacy Act.

       Additional information on NMES-2 is available from Daniel C.
     Walden, Ph.D., Director of the Division of Medical Expenditure
     Studies; Center for General Health Services Intramural Research,
     Agency for Health Care Policy and Research; Executive Office
     Center, Suite 500; 2101 East Jefferson Street; Rockville,
     Maryland, 20852 (301/227-8400).


TECHNICAL AND PROGRAMMING INFORMATION

 Introduction

       This public use tape is the first release of data from the
     Health Insurance Plans Survey (HIPS) of the 1987 National Medical
     Expenditure Survey (NMES).  HIPS is a follow-up to the NMES
     Household Survey and was designed to verify health insurance
     status provided by the NMES Household Survey respondents as well
     as to provide supplementary information on private health
     insurance coverage.  The tape provides information and related
     documentation on private health insurance in force at the end of
     calendar year 1987 for employment-related and other coverage of
     all policyholders in the U.S. noninstitutionalized civilian
     population.

       The tape contains two data files, one for employment-related
     insurance (File 1) and one for insurance that is purchased
     directly from insurance carriers or associations (File 2).
     Records on each data file contain selected person-level
     demographic information for the respective policyholder as well
     as characteristics of the policyholder's health insurance
     coverage and the provider of employment-related insurance (File
     1).  The persons represented on these data files are not the
     universe of persons with private health insurance but rather
     policyholders of private health insurance.  The link variables
     provided in both files 1 and 2 enable linkage of policyholders to
     the personal and socioeconomic characteristics provided on NMES
     Public Use Tape 13.  (Public Use Tape 13 also contains aggregate
     person level measures of health services use for calendar year
     1987, indicators of public health insurance status and
     characteristics of the job held by the policyholder at the end of
     the year.)

       The present public use tape does not provide linkage to the
     dependents of policyholders of private health insurance coverage.
     In particular, it is not possible to use information on
     dependents from the coverage data available in Public Use Tape 13
     to link dependents such as family members to policyholders with
     records on the current tape.  Dependent linkage variables will be
     released on Public Use Tape 24.

       The data on this tape are being released as EBCDIC files.  The
     tape also includes an EBCDIC file containing programming
     statements required to create SAS data sets and SAS format
     libraries for the data files on the tape.

       The following documentation offers a brief overview of the
     sources, type and level of data provided, the content and
     structure of the data files and codebooks, and programming
     information.


       More detailed information on NMES survey instruments and data
     collection procedures, variance estimation programs, and a list
     of previously released NMES Public Use Tapes are in Attachments 1
     to 4, which are provided as hard-copy attachments to the
     documentation.  Attachment 5 contains a catalogue of data items
     released on this and other NMES public use tapes, supplied to
     guide the user to the appropriate public use tape for the data
     items of interest in the NMES Household Survey and the HIPS.  To
     merge the current data files with previous NMES public use tapes
     from the Household Survey, the policyholder identification
     variable (PHLDRIDX) on the current tape (File 1 or File 2) must
     be renamed to PIDX.  The current tape can then be linked to
     previous tapes by merging on the person identification variable
     (PIDX).

 Sources of Data

       The data on these files were collected in the Health Insurance
     Plans Survey with one of three questionnaires.  The Employer and
     Union questionnaires, shown in Attachment 2, were used for
     providers of employment-related insurance to eligible members of
     the Household Survey.  The Insurer Questionnaire, also shown in
     Attachment 2, was used for providers of insurance that was not
     employment-related.  As described in Section 5.2, federal
     government employers were not fielded in HIPS.  Instead,
     information on employment-related private health insurance
     available through the federal government was obtained from the
     Office of Personnel Management and attributed, when possible, to
     File 1 for federal workers and retirees using information in the
     NMES Household Survey.

       Corresponding to the respective Employer or Union
     questionnaire, an individual record in File 1 contains
     information on all coverage obtained by a given policyholder from
     a given employer or union.  Most individuals obtained only one
     health insurance plan through a single employer.  However, in
     those cases where an individual obtained more than one plan
     through the same employer, the information on a single record
     represents all plans obtained by that individual through that
     employer.  Policyholders with employment-related coverage from
     more than one source are represented on more than one record,
     corresponding to each source.

       Information on individual plans that comprise a policyholder's
     coverage (questions 5 through 12, and 16 through 21 in the
     Employer and Union questionnaires) was not included in this
     public use tape but will be included in future releases.
     However, some summary measures of plan level information are
     included on the current tape.  Future releases will also contain
     information on employment-related plans that were offered to
     individuals but not selected.  Benefit information abstracted
     from policy booklets collected as part of the HIPS will be
     released separately.  Linkages between these files and future
     HIPS releases will be provided.

       Information on a policyholder's premium and insurance
     characteristics for coverage that is not employment-related (File
     2) is reported at the plan level, corresponding to a single
     Insurer Questionnaire.  Thus, if a HIPS policyholder was covered
     by one hospital/medical insurance plan and one dental plan from
     the same source, File 2 contains two separate records and the
     premium for each plan is recorded separately on each record.
     Policyholders with plans from more than one insurance company or
     association also have multiple records.
 
 Data File Contents and Variable Construction

       To expedite release of health insurance data and ensure data
     processing efficiency, the structure for both files generally
     reflects the structure of the Health Insurance Plans Survey
     questionnaires.  The files contain information on health
     insurance premiums and characteristics of held coverage for all
     policyholders of private health insurance in force at the end of
     calendar year 1987.  In addition, File 1 contains information on
     the characteristics of organizations providing insurance to
     policyholders of employment-related insurance.

       The persons represented in these files include all
     policyholders in the U.S. civilian noninstitutionalized
     population who were eligible and responding during the round 4
     interview of the Household Survey and who responded for their
     entire period of eligibility during 1987.  These policyholders
     had employment-related insurance (in File 1), and/or insurance
     purchased directly from an insurance carrier or association (in
     File 2).  File 1 contains 6,549 records representing the number
     of sources of employment-related coverage for policyholders in
     HIPS.  File 2 contains 1,992 records representing the number of
     insurance plans held by policyholders in HIPS that are not
     employment-related.   In order to make national estimates of
     total premiums for private health insurance, it is necessary to
     sum premiums across Files 1 and 2 (see Section 6.0, Estimation
     and Sampling Weights, for details).

       Both data files contain unedited, edited and constructed
     variables.  Detailed information on the methods used to edit and
     construct the variables for the level of coverage, self-insurance
     status, characteristics of health insurance benefits, health
     insurance premiums and establishment size on File 1 is provided
     in Section 3.1.  Details on the editing and construction of
     variables related to the type of plan, characteristics of health
     insurance benefits, the level of coverage, and health insurance
     premiums for File 2 are provided in Section 3.2.  Additional
     details for selected variables are also provided in the Codebook
     Notes section of the documentation, immediately following the
     codebook for File 2.

 Employment-related Insurance (File 1)

        This file contains data on employment-related health insurance
     including information on premiums, payment sources,
     characteristics of health insurance coverage and characteristics
     of the organizations providing the insurance.  Each record in
     File 1 corresponds to information obtained in a single Employer
     or Union questionnaire.  Policyholders who obtained private
     insurance from more than one employment-related source are each
     represented on multiple records in File 1.  Policyholders who
     obtained insurance from only one employment-related source but
     received multiple plans from that source are represented on one
     record only in File 1.  In the latter case, the premium
     information on that record (as well as other coverage
     characteristics) represents the combined premiums (or coverage
     characteristics) for all plans obtained from that source.

       Each record in File 1 contains the following information:

            Unique policyholder, provider and record identifiers

            Selected demographic variables

            Information on whether the information was obtained
            through an Employer or Union questionnaire or was assigned
            for a federal government worker or retiree

            Information on the number of plans held by a policyholder
            from a given source and the relationship of the
            policyholder to the employer or union

            Characteristics of the health insurance coverage of the
            policyholder

            Information on the number of plans offered by the employer
            or union

            Information on the first month the policyholder was
            covered by the plan(s) in 1987

            Premium amounts and information on the level of coverage
            for the policyholder

            Characteristics of the employer or union providing the
            employment-related insurance

            Weight and variance estimation variables

 Level of Coverage

       Edited and unedited variables are provided on the file that
     indicate whether the policyholder's level of coverage was single-
     party, two-party, family or other (TYPHELDX and TYPHELD).  When
     missing, values for the edited level of coverage were assigned
     from information in the NMES Household Survey using information
     on family composition and the number of family members covered
     under a policy.  In addition, premium information for
     policyholders with single or family coverage was logically edited
     with data from the HIPS.

 Self-Insurance Status

       Self-insurance status was constructed from plan level
     information regarding policyholder coverage from a given source.
     Question 46 in the Employer Questionnaire contains a description
     of self-insurance.  Missing information at the plan level was
     first edited logically.  Remaining missing values were imputed
     according to information on whether the group was a union or
     employer, union size, type of plan (HMO or traditional), whether
     the plan was a main (hospital/medical) or supplemental plan
     (dental, vision or drug plan), the census region of the
     policyholder's residence, industry of the policyholder's job, the
     number of plans the company offered, other benefits the company
     offered and the number of full and part time employees in the
     establishment.  Federal government plans were logically edited to
     not self-insured.  Since policyholders can obtain multiple plans
     from a given employment-related source, a variable (CONPLANX) is
     provided on the file that indicates whether coverage from a
     source was all self-insured, all not self-insured, or a
     combination of self-insured and not self-insured plans.

 Characteristics of Health Insurance Benefits

       File 1 contains six constructed variables (PBMEDX, PHOSPX,
     PMMEDX, PDENTX, PVISIONX, PDRUGX) that summarize for each
     policyholder the health insurance benefits provided through
     coverage obtained from a given source.  These variables were
     constructed using data for questions 6, 7 and 16 of the
     Employer/Union questionnaires that were edited using benefit
     information abstracted from employee booklets or policy materials
     obtained from the HIPS respondent.  If the abstracted benefit
     data were available and indicated a particular type of coverage,
     missing data or negative responses on the HIPS questionnaire were
     edited to indicate coverage.  In addition, indicators of basic
     medical, basic hospital and major medical coverage were set to
     "no" for plans that were HMOs.

       Since a policyholder with employment-related insurance can be
     covered by multiple plans from a single source, the plan level
     information was aggregated to indicate the presence of benefits
     across all plans from a source.  The plan level information was
     aggregated as follows:  If a variable for any plan indicated
     coverage, the summary variable was set equal to "yes"; if the
     variable for all plans explicitly indicated that the coverage was
     not provided, the summary variable was set equal to "no"; if the
     information was missing across all plans or across some plans,
     and none of the policyholder's plans indicated coverage, the
     summary variable was set equal to missing (-9 not ascertained).

       Information abstracted from employee booklets or policy
     materials, as well as information from the Household Survey, was
     used to edit plan level information on whether a plan was an HMO
     or a traditional fee-for-service plan.  The plan level
     information was then aggregated to indicate whether all of the
     plans obtained from a source were HMOs, traditional plans or a
     combination of HMOs and traditional plans (PTRADHMO).

       Information on whether employment-related coverage consisted of
     all main plans, all supplemental plans or a combination of both
     was constructed using information in Question 25 identifying the
     plans associated with a policyholder's coverage (PKIND2).

 Health Ins. Prem., Emp. Contr., Out-of-Pocket Exp.& Other Contr.

       Employers and unions were asked to provide information on
     annual premiums for the health insurance plans covering HIPS
     policyholders.  The annual premiums represent the annual cost of
     coverage in force at the end of 1987.  If a policy was in force
     for only part of the year and the individual was uninsured for
     the remainder of the year, the annual premium in HIPS is greater
     than the individual's actual expenditures on health insurance for
     calendar year 1987.  Likewise, if a policyholder held an
     additional policy in 1987 but was not covered by that policy at
     the end of the year, the premium in HIPS does not represent the
     individual's actual health insurance expenditures for calendar
     year 1987.

       Employers and unions were also asked to provide information on
     employee or union member contributions (out-of-pocket expenses)
     for both self-insured and other coverage.  They were also asked
     to provide information on employer, union, and other
     contributions for coverage that was not self-insured.

       Two methods were used to edit and impute premiums, employer and
     union contributions, out-of-pocket expenses and other
     contributions.

 Premium Information for Coverage that was not Self-Insured

       Missing premiums and out-of-pocket expenses for employment-
     related coverage that was not self-insured were first assigned
     from plan-level premium information reported in other sections of
     the questionnaires (Questions 10, 11 and 12 in the Employer and
     Union questionnaires).  Premiums, employer and union
     contributions, out-of-pocket expenses and other contributions
     were then edited for consistency and extreme values and
     annualized if necessary.  Missing data for other contributions
     were set to zero.

       Missing premiums, employer and union contributions, and out-of-
     pocket expenses for employment-related coverage that was not
     self-insured were imputed using weighted sequential hot-deck
     procedures.  The weighted sequential hot-deck procedure imputes
     data for individuals with missing data using individuals with
     complete data but similar characteristics.  Information about the
     level of coverage, whether the coverage included main or
     supplemental plans, whether the person held any HMO coverage, the
     services that were covered by the plan, whether the firm offered
     other fringe benefits and whether the policyholder was a full-
     time or part-time employee was used to form groups of "donors"
     with known data on premiums and payment sources, and similar
     groups of "recipients" with missing premium and payment source
     data.  If the HIPS respondent provided part but not all
     information on premiums and payment sources  (e.g., just the
     total premium, the employer contribution or the out-of-pocket
     expenses) this partial information was also used to classify
     donors and recipients.  Within classification groups, data were
     assigned from donors to recipients, taking into account the
     weights associated with each person in the complex survey design.
     Twenty-two percent of records with at least one plan that was not
     self-insured contain premium data imputed in this manner.

 Premium Information for Coverage that was Self-Insured

       For employment-related hospital/medical coverage that was self-
     insured, the expected value of total funding per policyholder was
     assigned in lieu of a total premium.  Total funding for
     hospital/medical plans was defined as the sum of claims paid,
     premiums for re-insurance of large claims, and administrative
     costs for all self-insured coverage offered by the employer or
     union (see Question 51 in the Employer Questionnaire), less an
     estimate of the total funding associated with separate, self-
     insured vision, drug, or dental plans.  Information concerning
     self-insured funding was reviewed during the HIPS data collection
     period, and implausible values were reviewed with the respondent
     by staff of a major accounting firm.  Total funding for
     hospital/medical plans was divided by the total number of
     policyholders (current and former employees or union members)
     enrolled in all self-insured hospital/medical plans to define
     total funding per policyholder.

       The expected value of total funding per policyholder was
     determined by a stepwise regression model involving actual values
     from about 1,300 questionnaires with usable information, as a
     function of the contribution paid by the NMES policyholder, the
     age and sex of the NMES policyholder, covered health services,
     coverage of retirees, other fringe benefits offered by the
     employer or union, type of ownership (sole proprietorship,
     partnership, or corporation), the census region of the
     policyholder's residence, industry of the policyholder's job, and
     unionization.  (Given these other variables, group size was not a
     statistically or quantitatively significant predictor of funding
     per policyholder and was excluded from the model.)  In order to
     expedite the availability of premium data from NMES, the model
     was fitted only from the limited description of plan benefits in
     the HIPS questionnaires and not from the detailed information
     abstracted from the employee booklets or policies obtained from
     respondents.  Two regressions involving the natural logarithm of
     the dependent variable were estimated using weighted least
     squares, one for contributory plans and another for
     noncontributory plans.  The R2s for the two equations were .206
     and .311, respectively.

       The values predicted by this model were assigned to all
     questionnaires involving self-insured hospital/medical coverage
     of a NMES policyholder.  Then an adjustment was made for the type
     of coverage (single or family) held by the policyholder.  In this
     context, family coverage includes all coverage except single
     coverage.  This adjustment used HIPS information from plans that
     were not self-insured to value single coverage at 40 percent of
     family coverage and assumed that 67 percent of the policyholders
     enrolled through each employer or union held family coverage (the
     overall weighted proportion for self-insured plans in the HIPS).
     These assumptions implied that the family "premium" was 125
     percent of total funding averaged over all policyholders, while
     the single "premium" was 50 percent of the overall average.  The
     values assigned to single coverage ranged from $400 to $5,507,
     with an unweighted mean of $899.  The values assigned to family
     coverage ranged from $569 to $6,331, with an unweighted mean of
     $2,566.

       Separate vision, drug, and dental plans that were self-insured
     were valued using a different method.  Specifically, these plans
     were assigned the median premium observed for similar plans that
     were not self-insured, according to self-only or family coverage.
     If a policyholder's coverage included separate vision, drug or
     dental plans as well as hospital/medical coverage these premiums
     were then added to the predicted hospital/medical premiums
     described above.

       In the regression models predicting total funding per
     policyholder for self-insured hospital/medical plans, there was
     no significant difference between policyholders with one self-
     insured plan from a given employer or union and policyholders
     with both a self-insured plan and another plan that was not self-
     insured.  For the latter policyholders, the total premium for all
     coverage from a given employer or union was calculated by adding
     the value assigned to self-insured plans to the premium for other
     plans.

       Missing information on out-of-pocket expenses for self-insured
     coverage was first assigned from plan-level information reported
     in questions 11 and 12 of the Employer and Union questionnaires.
     Self-insured out-of-pocket expenses were then edited for extreme
     values and annualized if necessary.

       Missing out-of-pocket expenses were imputed using a weighted
     sequential hot-deck procedure.  Information about the census
     region of the policyholder's residence, hourly wages of the
     policyholder, whether the insurance provider offered paid
     vacation, sick leave or life insurance, whether the policyholder
     had basic hospitalization or dental coverage, the level of
     coverage and information on the policyholder's number of main and
     supplemental plans was used to form groups of donors with known
     data on self-insured out-of-pocket expenses and similar groups of
     recipients with missing data.  Approximately 10% of records with
     at least one self-insured plan contain an imputed value for self-
     insured out-of-pocket expenses.  After total self-insured
     premiums and out-of-pocket expenses were edited and imputed,
     self-insured employer contributions were calculated as the
     difference between the two variables.

       Union contributions toward coverage that was not self-insured
     (Union Questionnaire item 27) were edited and imputed in
     conjunction with employer contributions toward coverage that was
     not self-insured (Employer Questionnaire item 27).  Union
     contributions toward self-insured premiums were defined as the
     difference between predicted total premiums and edited out-of-
     pocket expenses toward self-insured premiums (Union Questionnaire
     item 27).   After the edited values for self-insured and not
     self-insured union contributions were completed they were
     assigned to the variable OTHCONTX, while the edited values for
     other contributions for union records (which were assumed to be
     employer contributions) were assigned to the variable EMPCONTX.

 Establishment Size

       This file contains a constructed establishment size variable -
     TOTALEMP.  Due to reasons of confidentiality this variable has
     been capped at 10,000 employees.  An establishment is defined as
     a unique work location and TOTALEMP refers to the number of
     employees at that location.  Missing and inconsistent values of
     TOTALEMP were imputed using NMES household data when available,
     and data obtained under contract with Dun & Bradstreet
     Information Services North America.  When these data sources were
     unavailable, establishment size was imputed using a weighted
     sequential hot-deck procedure.  Information about the census
     region of the policyholder's residence, an indicator of whether
     or not the firm employed any union members and the industry of
     the policyholder's job were used to form groups of donors with
     known data on establishment size and similar groups of recipients
     with missing data.  Approximately 5% of the records on File 1
     contain an imputed value for establishment size.

 Other Edits and Omissions

       Question 1 in the Employer Questionnaire was not included in
     Public Use Tape 15 since all employers included on this tape, by
     definition, provided private health insurance to their employees
     or retirees.  Several variables were either omitted entirely,
     capped, or converted to ratios or proportions for reasons of
     confidentiality.  Since the proportions were constructed with
     unedited variables, their values may exceed 1 (PERCFAM, PERCLOW,
     PERCNTFT, PERCNTPT, PERSING).  Questions 5-12, 16-21, omitted
     items between questions 23 and 33 in the Employer and Union
     questionnaires, and questions 34-36 in the Employer Questionnaire
     will be released on Public Use Tape 33.  Other variables omitted
     are box items for use by the interviewer.

       Skip patterns for unedited variables were not cleaned.  Since
     federal employers were not fielded in HIPS, all employer level
     variables on federal records, except for the variable GROUPCOV,
     were assigned a value of "-9" and all union variables on federal
     records were assigned a value of "-1".  All link variables have
     been edited.

 Coverage Obtained Directly from Insurers or Assoc. (File 2)

       File 2 contains data on premiums and characteristics of health
     insurance coverage for insurance that is not employment-related,
     but obtained directly from insurers or associations.

     Each record on File 2 contains the following information:

            Unique policyholder, provider and record identifiers

            Selected demographic variables

            Characteristics of the health insurance plan including
            type of plan, whether or not the policy is a group policy,
            the number of policyholders in the group, information on
            benefits provided, and whether a waiting period exists or
            pre-existing conditions are excluded

            Information on the first month the policyholder was
            covered by the plan and the level of coverage of the plan

            Information on premiums, out-of-pocket expenses and other
            contributions for the plan

            Weight and variance estimation variables

 Type of Plan (PLANTYP4)

       This constructed variable indicates whether a plan is a Medigap
     plan, an HMO, or a traditional plan (main, supplemental or
     other).  This variable was created using information that
     included the name of the plan, details on coverage from the HIPS
     questionnaire, information on the policyholder from the Household
     Survey, and available information from policy booklets which were
     collected as part of HIPS.  Medigap plans were categorized as
     either standard, if they were designed specifically to supplement
     Medicare, or non-standard, if they were not.  If a plan was
     identified as both an HMO and a Medigap policy, it was classified
     as a Medigap policy.

 Characteristics of Health Insurance Benefits

       The seven edited variables associated with question 9 in the
     Insurer Questionnaire were edited using benefit information
     abstracted from policy materials obtained from the HIPS
     respondent.  If these data were available and indicated a
     particular type of coverage, missing data or negative responses
     on the HIPS questionnaire were logically edited to indicate
     coverage.  Otherwise the original values were not changed.

 Level of Coverage

       Insurance companies and associations provided information on
     whether the policyholder's level of coverage was single-party,
     two-party, family or other.  When missing, the level of coverage
     (TYPHELDX) was assigned from information in the Household Survey
     on family composition and the number of family members covered
     under a policy.

 Health Insurance Premiums

       As on File 1, the annual premiums on File 2 represent the
     annual cost of coverage in force at the end of 1987.  Premiums
     were edited for extreme values and annualized when necessary.
     Missing premiums were imputed using a weighted sequential hot-
     deck procedure.  Groups of donors and recipients were formed
     using information on the type of plan (Medigap, HMO,
     Traditional:Main Plan, Supplemental Plan or Other Plan), the
     level of coverage (single, family, two-party or other) and
     whether or not the coverage was provided as part of a group.  In
     addition, if the HIPS respondent indicated that the policyholder
     did not pay the entire premium and the amount paid by the
     policyholder was missing, the policyholder's contribution was
     imputed using mean values of the proportion of the premium paid
     by the policyholder.  These values were calculated from donor
     records that contained valid information on the amount paid by
     the policyholder when the policyholder did not pay the entire
     premium.  The amount paid by the policyholder was then calculated
     as the product of the mean proportion and the total premium.  If
     the policyholder paid the entire premium, the policyholder's out-
     of-pocket expense was set equal to the total premium.   If the
     policyholder did not pay the entire premium, the difference
     between the total premium and the out-of-pocket expense was
     attributed to "other contributions".
 
 Other Edits and Omissions

       Question 1 is not included on File 2 since everyone on the file
     is a policyholder.  Questions 3 and 4 are also not included on
     File 2 since HMOs financed through Medicare and Medicaid are not
     private insurance and are excluded from the file.  A small number
     of variables and response categories were excluded for reasons of
     confidentiality (e.g. Question 6).  In addition, certain box
     items and similar items used by the interviewer were not included
     on the file.

       Skip patterns for unedited variables were not cleaned; however,
     all link variables were cleaned.

 Variable Naming and Codebook Conventions

       A codebook is provided for each data file.  The codebooks
     contain unweighted and weighted frequencies for all variables on
     the files. The codebook for File 1 contains variable information
     and frequency distributions for a total of 6,549 records
     (76,978,132 weighted records).  These records represent
     76,593,248 weighted policyholders of private health insurance
     (6,519 unweighted policyholders).  The codebook for File 2
     contains variable information and frequency distributions for a
     total of 1,992 records (20,810,050 weighted records).  These
     records represent 18,775,653 weighted policyholders of private
     health insurance (1,817 unweighted policyholders).

       Complete variable listings in alphabetical order and by file
     position are provided for cross-reference for both files.  Most
     variable descriptors in the codebooks are abbreviated versions of
     questionnaire items, preceded by indicators of the item number.
     For variables corresponding to specific questionnaire items, the
     question number is included in the variable label.  The letters
     E, U or I preceding a question number in a label indicate that
     the question was asked in the Employer, Union and/or Insurer
     questionnaire, respectively.  Copies of the HIPS questionnaires
     are included as Attachment 2 to this public use tape to provide
     the content and wording of each item, the structure of
     questionnaire sections, skip patterns and administrative
     information.

       Each codebook describes an EBCDIC data set and provides the
     following programming identifiers for each variable:

       IDENTIFIER                         DESCRIPTION

       NAME                     Variable name (maximum of 8
                                characters)

       DESCRIPTION              Variable descriptor (maximum of 40
                                characters)

       FORMAT                   Number of bytes and decimal

       TYPE                     Type of data:  numeric (indicated by
                                NUM) or character (indicated by CHAR)

       START                    Beginning column position of variable
                                in the record

       END                      Ending column position of variable in
                                the record

       NOTES                    Indicator of an explanatory note(s)
                                corresponding to the variable.
                                Explanatory notes are provided at the
                                end of the File 2 codebook.

       In general, variable names reflect the content of the variable,
     with an 8 character limitation.  For edited versions of original
     variables, the edited variable name is identical to the original
     variable with an "X" appended (and truncated when necessary to
     comply with the 8 character limitation).  Variable descriptions
     for edited variables are indicated by an "ED" in the description.
     Except for a few variables which were created as ratios or
     proportions using unedited data, constructed variables do not
     have an E, U, or I as the first character in the variable
     description.  The order of the variables in the codebook for File
     1 follows the order in the Employer Questionnaire.  Note that
     question 48 in the Union Questionnaire, which is asked only of
     unions, appears in File 1 after Question 64 of the Employer
     Questionnaire.

       The following reserved code values are used:

       VALUE                              DEFINITION

       -1 INAPPLICABLE          Question was not asked due to skip
                                pattern

       -5 NEVER KNOW            Question was asked and respondent did
                                not know and never would know the
                                answer

       -6 RESPONDENT            Question was asked and respondent
          INAPPLICABLE          replied that it was inapplicable

       -7 REFUSED               Question was asked and respondent
                                refused to answer the question

       -8 DK                    Question was asked and respondent did
                                not know the answer

       -9 NOT ASCERTAINED       Interviewer did not record the data

       -10 SUPPRESSED           Suppressed for reasons of
                                confidentiality

       -11 DENOMINATOR          The proportion could not be calculated
           EQUALS ZERO          as a consequence of a zero value in
                                the denominator.

 Sample Design and Response Rates

  Household Survey

       The NMES Household Survey was designed to produce national
     estimates representative of the civilian noninstitutionalized
     population of the United States in 1987.  For sample selection,
     the household component of NMES used two independent national
     multistage area samples from Westat, Inc. and NORC.  To improve
     the quality of the data and to allow for analysis of trends
     during 1987, it was conducted as a panel survey over four core
     rounds of interviewing.

       Sampling specifications required the selection of about 17,500
     households for the first core household interview.  Data were
     obtained for about 86 percent of eligible households in the first
     interview and 80 percent by the fourth interview.  Approximately
     6 percent of all survey participants provided data for only some
     of the time in which they were eligible to respond.  These
     persons were considered total nonrespondents and a standard
     nonresponse weight adjustment was used to account for possible
     selection bias in this respect.  For a detailed description of
     the survey design and of sampling, estimation, and adjustment
     methods see Cohen, DiGaetano, and Waksberg (National Medical
     Expenditure Survey:  Sample Design of the 1987 Household Survey,
     Methods 3.  AHCPR Pub. No. 91-0037.  DHHS: U.S. Public Health
     Service. 1991).

 Health Insurance Plans Survey

       The Health Insurance Plans Survey (HIPS) is a follow-back
     survey to the 1987 Household Survey (HS) of the 1987 National
     Medical Expenditure Survey (NMES).  The objectives of the HIPS
     were: (1) to verify health insurance data provided by household
     respondents of the NMES; and, (2) to supplement that information
     with respect to premiums, benefit provisions, and characteristics
     of the establishments providing the insurance.  Estimates of the
     number and characteristics of policyholders and estimates of
     health insurance premiums can be obtained with the HIPS data.

       The HIPS sample included: (1) all employers associated with
     jobs held by individuals at least 16 years old in the fourth
     round of the Household Survey;  (2) the most recent employer of
     individuals not employed in round 4 and at least 21 years old;
     (3) all sources of health insurance that was identified by
     sampled individuals as in force at the end of 1987.  Self-
     employed individuals with no employees, and employers of
     employees in certain occupations such as private domestics or
     foster parents were excluded from the sample.

       Permission forms authorizing insurance providers to release
     information about the policyholder's health insurance coverage
     were collected in round 4 of the Household Survey.  The response
     rate for obtaining permission forms and adequate identifying
     information was approximately 78 percent.  Employers identified
     in the Household Survey for whom no permission forms could be
     obtained were contacted in HIPS to obtain employer specific
     information in order to improve the employer level response rate.
     To safeguard the confidentiality of the employee, only firms with
     more than 25 employees were contacted without permission forms.

     Only plan- and company-level data were collected from these
     employers, and no reference was made to individual respondents in
     the NMES Household Survey.  No unions or insurers were contacted
     without permission forms.  Data on premiums and plan provisions
     provided by employers were assigned to policyholders in the
     nonpermission form sample, when possible, by using information
     from the Household Survey to identify the policyholder's plan.

       Because of the difficulty of adapting the HIPS questionnaire
     data to employers that are part of the federal government and
     because of the large number of insurance plans available to
     federal employees, federal government employers were not fielded
     in HIPS.  Instead, information on health insurance premiums and
     benefits available to federal employees and retirees was obtained
     from the Office of Personnel Management (OPM), and when possible,
     attributed to federal workers and retirees based on information
     in the Household Survey.

       Conditioned on being a household respondent (a respondent for
     the entire period of eligibility) and eligible for HIPS, the
     overall HIPS response rate at the person level was 62 percent.  A
     policyholder in HIPS was considered a respondent if all employers
     and all sources of a person's insurance (as policyholder) named
     in the Household Survey completed all applicable HIPS
     questionnaires (see Attachment 2).  This response rate is the
     product of the permission form and identifying information
     response rate and the proportion of cases with signed permission
     forms and adequate identifying information for whom HIPS data
     were obtained from all the associated employers, unions and
     insurers for a person.

 Estimation and Sampling Weights

       The application of appropriate sampling weights is essential to
     the derivation of national estimates when using this public use
     tape.  The weight provided on both File 1 and File 2 for use with
     the health insurance data, POSTJO2, reflects adjustments for
     nonresponse to the HIPS survey questionnaires cross-classified by
     employment and insurance status, poverty status, race-ethnicity,
     age and sex as reported by the household respondent.  This weight
     is then post-stratified to reflect control totals from the
     November, 1987 Current Population Survey cross-classified by
     poverty status, race-ethnicity, age and sex.  All persons who
     were eligible for the HIPS and were policyholders with complete
     responses from all of their HIPS providers for their associated
     HIPS questionnaires have a positive value for POSTJO2.  In
     totality, there are 6,519 policyholders on File 1, 1,817
     policyholders on File 2 and 8,249 unique policyholders (7,805
     with positive weights) across both File 1 and File 2 when the two
     files are aggregated to a policyholder level file.  Eighty-seven
     policyholders (83 with positive weights) had insurance that was
     both employment-related (File 1) and not employment-related
     (File 2).

       There are 378 records in File 1 and 81 records in File 2 where
     the weight POSTJO2 is zero.  These records are included because
     of their eventual linkage to dependents with positive weights.
     These records should not be used in making estimates of health
     insurance premiums or health insurance policyholders and their
     coverage.

 Basic Estimates of Health Insurance Premiums

       The current tape is constructed to provide national estimates
     of private health insurance premiums for employment-related
     health insurance (using File 1),  for insurance that is not
     employment-related (using File 2), and for all private health
     insurance regardless of source (Files 1 and 2 combined).

       Premium estimates can be made at either the record level or the
     policyholder (i.e., person) level.  The weight POSTJO2 serves
     both as the weight for each record and as the weight for each
     policyholder on either File 1 or 2.  For a given policyholder
     POSTJO2 is identical across files (but will vary by
     policyholder).

       To make national estimates of total health insurance premiums,
     the two files should be concatenated to create a single data set
     containing all observations.  The estimate of total premiums can
     then be calculated as the weighted sum of total premiums
     (TOTPREMX times POSTJO2).

       Using File 1, one can obtain an estimate of the mean total
     premium for employment-related insurance by dividing the weighted
     sum of total premiums (TOTPREMX times POSTJO2) by the sum of
     POSTJO2.  Because the premium on each record on this file is the
     total premium for all plans obtained by a policyholder from a
     given employer or union, this estimate should not be strictly
     interpreted as the mean total premium for a single insurance plan
     obtained from an employer but rather as the mean total premium
     for all health insurance plans obtained from an employer.  Given
     that the same coverage may be offered by some sources as one plan
     and by other sources as multiple plans (for example, basic and
     major medical benefits may be obtained from the same or different
     carriers), making plan-level estimates is generally not very
     meaningful and is not recommended.  Premiums to describe the
     separate options chosen by or available to policyholders of
     employment-related insurance will be released on Public Use Tape
     33.

       Similarly, one can obtain an estimate of the mean total premium
     for insurance that is not employment-related by dividing the sum
     of (TOTPREMX times POSTJO2) by the sum of POSTJO2 using File 2.
     In this case the resulting estimate does represent the mean total
     premium for an insurance plan purchased directly from an
     insurance company or association because the file is constructed
     at the plan level.

       Subsetting records based on characteristics of interest expands
     the scope of potential estimates.  For instance, the mean total
     premium for a particular type of plan (e.g., a standard Medigap
     plan purchased directly from an insurance carrier or association)
     can be obtained by subsetting File 2 to records with PLANTYP4
     equal to 5 (Medigap, Standard) and dividing the sum of (TOTPREMX
     times POSTJO2) by the sum of POSTJO2 for those records.

       It should be noted that it is not possible to use the current
     tape to make estimates at the employer level.  The employers
     represented on File 1 are restricted to those with sampled
     employees (current, retiree, or survivor) who are health
     insurance policyholders and are not a sample of all employers.

 Person-based Ratio Estimates

  Per.-based Rat. Est. Rel. to Policyholders of Priv. Health Ins.

       When calculating ratio estimates using the current tape where
     the denominator is policyholders (i.e., persons) rather than
     records, care should be taken to properly define and estimate
     this denominator.  If the denominator relates to policyholders of
     private health insurance policies or subsets of that population,
     the current tape can be used to calculate the denominator.  For
     example, if the estimate of interest is the mean total premium
     expenditure for private health insurance per policyholder, the
     following strategy should be considered.  All premium
     expenditures (TOTPREMX) for each policyholder on a concatenated
     file (Files 1 and 2 combined) should be summed, and a
     policyholder-level total premium expenditure variable created
     (e.g., the variable X).  A national estimate of the mean private
     health insurance premium expenditure per policyholder would be
     derived by calculating the weighted sum of the total expenditures
     per policyholder (the sum of X times POSTJO2) divided by the
     weighted number of policyholders on the concatenated file (the
     sum of POSTJO2).  Only one POSTJO2 value for each PHLDRIDX (i.e.,
     policyholder) should contribute to the calculation of the sums
     for the numerator and denominator of this estimate.

 Person-based Ratio Estimates Relative to the Entire Population

       If the denominator of the ratio estimate includes persons other
     than policyholders, the current file cannot be used to calculate
     the denominator.  Rather, for such estimates, NMES Public Use
     Tape 24, in conjunction with NMES Public Use Tape 13 should be
     used.  Details on estimation when using these tapes will be
     provided upon release of NMES Tape 24.

 Sampling Wgts. for Merging Prev. Releases of NMES Household Data

       The sampling weight provided on the current tape (POSTJO2)
     reflects nonresponse adjustments specific to the HIPS
     questionnaire data after the eligible HIPS population, a subset
     of the population identified in Public Use Tape 13, is
     identified.  POSTJO2 is the appropriate weight for estimation of
     health insurance premiums, payment sources, and the types and
     sources of coverage using the two files on this tape.  Variables
     from other NMES Household Survey tapes (see Attachments 4 and 5)
     may be merged to the records for policyholders on either of the
     files on this tape to augment the data provided here.  For
     example, perceived health status of the policyholder may be
     merged from NMES Public Use Tape 9 for use as an independent
     variable in an analysis of HMO versus traditional health
     insurance enrollment.  Because the dependent variable in this
     illustration resides on the current tape, the weight POSTJO2 (on
     the current tape) is the correct sampling weight to use.  Due to
     the specialized and restrictive definition of the population
     represented on the current tape, variables from this file should
     not be merged to other NMES tapes that are not based on the HIPS
     for use as independent variables.

 Variance Estimation

       Variance estimates of sample statistics require that the
     complex nature of the NMES Household Survey design be taken into
     account for hypothesis testing and for the construction of
     confidence intervals.  To obtain variance estimates of statistics
     by means of statistical programs that use the Taylor series
     method of variance estimation, variables must be used that denote
     the strata and the primary sampling unit (PSU) within a given
     stratum.  The variables STRATUMX and SPSU are these variables
     respectively, and are included on the data files.

       There are variance estimation programs that account for the
     complex survey design.  A list of available variance estimation
     programs is produced in Attachment 3.

 Programming Information

       These files are contained on a standard label, 9 track 6250 bpi
     tape.  The specifications for each file on the tape are as
     follows:

       Files 1 and 2 were created using the SAS (Statistical Analysis
     System, version 5.18) computer software, and converted to EBCDIC
     format.  File 3 contains the technical documentation stored as an
     Operating System (OS) EBCDIC file containing ASA carriage control
     characters in the first byte in each record, which will direct
     the line printer to skip lines, begin a new page, etc.  This
     technical documentation can be copied to disk and retrieved on-
     line to view, modify with a text editor program such as WYLBUR,
     or make additional copies.  File 4 is an EBCDIC file containing
     the following additional documentation for SAS users:  INPUT
     statements to create SAS data files, including LABEL statements;
     SAS statements which assign a format name to each variable; and
     SAS statements describing formats.


DATA DICTIONARIES EMPLOYMENT RELATED COVERAGE

 Alphabetical Listing of Variables
 
   START      END   NAME       DESCRIPTION
    _____      ___   ____       ___________
    158      159   ALABUSE    E39/U36 EMPL/UN COVERS ALCOH ABUSE TRTMT
    524      525   CGROUP     PH EMPLOYMENT/INSURANCE STATUS IN HS
    323      324   CLMINC     E49B/U40B TOT AMT CLAIMS: PAID OR INCUR
    325      326   CLMREFC    E49C/U40C REF PD FOR TOT CLAIMS PD/INC
    327      328   CLMREFM    E49C/U40C REF PD TOT CLAIMS: FY-MON
    329      330   CLMREFY    E49C/U40C REF PD TOT CLAIMS: FY-YR
    331      332   CLMRM2     E49C/U40C REF PD TOT CLAIMS: MON
    166      225   COMMENT    E40 EMPL:TIMES OF OPEN ENROLLMENT-OTHER
     53       53   CONPLANX   PH PLAN(S) SELF-INSR/NON-SELF/MIX
     46       46   DATASRCE   ORIGINAL DATA SOURCE IN HIPS
    160      161   DRABUSE    E39/U36 EMPL/UN COVERS DRUG ABUSE TRTMT
     72       73   DVOFF      E14A/U14A SEPAR DEN/VIS/DRG PLANS AVAIL
    493      494   ELOCREFC   E62B REF PERIOD # EMPLOYEES-ALL LOC
    495      496   ELOCREFM   E62B REF PERIOD # EMPL ALL LOC:FY-MON
    497      498   ELOCREFY   E62B REF PERIOD # EMPL ALL LOC:FY-YR
    499      500   ELOCRM2    E62B REF PERIOD # EMPL ALL LOC: MON
    501      502   ELOCRY2    E62B REF PERIOD # EMPL ALL LOC: YR
    489      490   EMORLOC    E61 EMPL HAS FACILITIES IN MULT LOC
     96      105   EMPCONT    E27/U27 PH EMPLOYER CONTRIBUTION
    106      113   EMPCONTX   E27/U27ED PH EMPLOYER CONTRIBUTION
    226      227   EMPECONT   E41 EMPLOYEE CAN CONTIN INSR WHN LAY OFF
    370      373   ENRLMANX   ED # PHLDRS IN SELF INS HOSP/MED PLANS
    164      165   EOPNROLL   E40 EMPL:TIMES OF OPEN ENROLLMENT
    442      443   EORGOWN    E58 EMPL OWNERSHIP
    469      470   EORGREFC   E59B REF PERIOD FOR TOTAL EMPL-THIS LOC
    471      472   EORGREFM   E59B REF PERIOD # EMPL THIS LOC:FY-MON
    473      474   EORGREFY   E59B REF PERIOD # EMPL THIS LOC:FY-YR
    475      476   EORGRFM2   E59B REF PERIOD # EMPL THIS LOC: MON
    477      478   EORGRFY2   E59B REF PERIOD # EMPL THIS LOC: YR
    440      441   EORGTYP    E57 EMPL ORGANIZATION TYPE
    281      282   EOVERPAY   E45B HOW RETIR COV GRP HLTH PAID-65 +
    506      507   ERESPDES   E64/U49 POSITION OF PRIMARY HIPS RESP
    249      250   ERETHLTH   E44 ANY RETIREES RECEIVE GRP HLTH INS
    491      492   ETOTLCAT   E62A TOTL NUMBER EMPLOYES-ALL LOCATIONS
    270      271   EUNDRPAY   E45A HOW RETIR COV GRP HLTH PAID-UNDR 65
    503      505   EUPCT      E63 UNION MEMBRS AS PERCENT OF ALL WRKRS
    228      229   EWHOPAY    E42 SOURCE OF PAYMENT FOR CONTIN COV
     76       77   FMONTH     E26/U26 FIRST MONTH COVERED BY PLAN(S)
    359      369   FUNDMANX   ED FUNDING SELF INS HOSP/MED PLANS
     51       52   GROUPCOV   E2 ORG PROVIDES GROUP COVERAGE
    114      120   INDCONTX   E27/U27ED PH OUT-OF-POCKET EXPENSES
    523      523   JOBLNK     LINKAGE TO HS JOB STATUS
    526      527   JOBSDSP    RESPONSE CODE IN HIPS
     39       40   LASTAGE    ED PH AGE AT END OF LAST ELIGIBLE RD
    162      163   MHPROB     E39/U36 EMPL/UN COVERS MENTAL HLTH TRTMT
    285      286   MPPSTOP    E47/U38 EMPL/UN HAVE MPP/STOP-LOSS INS
    137      146   NOTECON    E27/U27 NON SELF INS PH OUT-OF-POCKET EX
     70       71   NUMDFF     E3/U3 NUMBER HOSP/MED/HMO PLANS OFFERED
     74       75   NUMDV      E14B/U14B NUM DEN/VISION/DRG PLANS OFFRD
     47       47   NUMPLANX   TOTAL NUMBER OF PH PLANS 12/31/87
     16       20   ODUX       ORIGINAL DWELLING UNIT
    438      439   ORGCASH    E56/U47 EMPL/UN OFFR $ FOR HLTH/DENT COV
    430      431   ORGDIS     E56/U47 EMPL/UN OFFERS LONG TERM DIS INS
    432      433   ORGLIFE    E56/U47 EMPL/UN OFFERS LIFE INSURANCE
    434      435   ORGRET     E56/U47 EMPL/UN OFFERS RETIREMENT PLAN
    436      437   ORGSAVE    E56/U47 EMPL/UN OFFERS SAVINGS & CAP ACC
    428      429   ORGSICK    E56/U47 EMPL/UN OFFERS PAID SICK LEAVE
    426      427   ORGVAC     E56/U47 EMPL/UN OFFERS PAID VACATION
    424      425   OTHBFIT    E55/U46 PREM COVR HLTH CARE ONLY/OTH BEN
    121      129   OTHCONT    E27/U27 PH OTHER CONTRIBUTION
    130      136   OTHCONTX   E27/U27ED PH OTHER CONTRIBUTION
     58       59   PBMEDX     PH HAS AT LEAST 1 PLAN W/ BASIC MED
     64       65   PDENTX     PH HAS AT LEAST 1 PLAN W/ DENTAL
     68       69   PDRUGX     PH HAS AT LEAST 1 PLAN W/ PRESCR MED
    239      248   PERCFAM    E43 PROPORTION OF COV EMPL W FAMILY COV
    479      488   PERCLOW    E60/E59 PROPOR TOT EMPL EARN LE $5.00/HR
    444      453   PERCNTFT   E59A PROPORTION TOTAL EMPLOY WHO ARE FT
    454      463   PERCNTPT   E59A PROPORTION TOTAL EMPLOY WHO ARE PT
    230      238   PERSING    E43 PROPORTION OF COV EMPL W/ SINGLE COV
     24       31   PHLDRIDX   POLICYHOLDER ID (ODUX + PN)
     60       61   PHOSPX     PH HAS AT LEAST 1 PLAN W/ BASIC HOSP
     32       38   PIEID      EMPLOYER/UNION ID
     55       55   PKIND2     PH PLAN(S) MAIN/SUPPL/MIX
     62       63   PMMEDX     PH HAS AT LEAST 1 PLAN W/ MAJOR MED
     21       23   PN         PERSON NUMBER
    528      539   POSTJO2    POLICYHOLDER WEIGHT
     56       57   PTRADHMO   PH PLAN(S) ARE HMO/TRAD/BOTH
    400      401   PURCPLN    E53/U44 ANY PLANS PURCHSED IN 1987
     66       67   PVISIONX   PH HAS AT LEAST 1 PLAN W/ VISION
     43       43   RACE3      PH RACE/ETHNICITY
     42       42   RACE6      ED PH RACE
    374      385   RATIMAIN   RATIO OF FUNDMANX TO ENRLMANX
    272      280   RATOVR65   E45B/43 RATIO: COV RETR(65+) TO COV EMPL
    251      259   RATRETIR   E45/43 RATIO: # COV RETIR TO # COV EMPL
    260      269   RATUND65   E45A/43 RATIO: COV RETR(LT65) TO COV EMP
      1       15   RCORDIDX   RECORD ID (ODUX + PN + PIEID)
    283      284   SELFINS    E46/U37 ANY HEALTH PLANS WERE SELF-INSRD
    347      349   SINEMPR    E50/U41 TOT EMPLYR CONTR-ALL SLF INS COV
    147      154   SINMEM     E27/U27 SELF INS PH OUT-OF-POCKET EXP
    356      358   SINOTH     E50/U41 TOT OTHER CONTRIB-SELF INS COV
    386      397   SINSADM    E51/U42 ADMINISTRATIVE COST:SLF-INS COV
    350      352   SINSMEM    E50/U41 TOT EMPLOYEE CONTR-SELF INS COV
    333      346   SINTOT     E50/U41 TOTL FUNDNG FOR ALL SELF INS COV
    353      355   SINUCON    E50/U41 TOT UNION CONTRIB-SELF INS COV
     54       54   SLFINIMP   CONPLANX WAS EDITED OR IMPUTED
     41       41   SMPSEXR    PH SEX
    543      543   SPSU       PSEUDO PSU
     44       44   SREGION    PH CENSUS REGION
     45       45   SREGION4   PH CENSUS REGION - RD4
    301      302   STOPRFC    E48B/U39B REF PD FOR MPP/STOP-LOSS PREM
    303      304   STOPRFM    E48B/U39B REF PD MPP/STOP-LOSS:FY-MON
    305      306   STOPRFY    E48B/U39B REF PD MPP/STOP-LOSS:FY-YR
    307      308   STOPRF3    E48B/U39B REF PD MPP/STOP-LOSS:MON
    287      300   STOPRM     E48A/U39A PREMIUM FOR MPP/STOP-LOSS INS
    540      542   STRATUMX   SAMPLING STRATUM
    398      399   THRDPTY    E52/U43 ADMIN COST INCLUDES OUTSIDE ADM
    464      468   TOTALEMP   TOTAL # EMPLOYEES - THIS LOCATION
    402      415   TOTAPRM    E54A/U45A TOT PREMIUM-ALL PURCHASD PLANS
    309      322   TOTCLAM    E49A/U40A TOT $ CLAIMS EMPL/UN SELF INS
     78       87   TOTPREM    E27/U27 PH TOTAL PREMIUM
     88       95   TOTPREMX   E27/U27ED PH TOTAL PREMIUM
    416      417   TOTREFC    E54B/U45B REF PD FOR TOT PREM-PURCH PLN
    418      419   TOTREFM    E54B/U45B REF PD TOT PREM PURCH:FY-MON
    420      421   TOTREFY    E54B/U45B REF PD TOT PREM PURCH:FY-YR
    422      423   TOTRM2     E54B/U45B REF PD TOT PREM PURCH: MON
    508      512   TOTUMEM    TOTAL NUMBER UNION MEMBERS IN 1987
     48       49   TYPE       E0/U1 PH TYPE
     50       50   TYPEX      E0/U1ED PH TYPE
    155      156   TYPHELD    E28/U28 LEVEL COVERAGE HELD BY PH
    157      157   TYPHELDX   E28/U28ED LEVEL COVERAGE HELD BY PH
    513      514   UMEMREFC   U48 REF PERIOD # MEMS ENROLLED IN UNION
    515      516   UMEMREFM   U48 REF PERIOD # MEM ENROLLED:FY-MON
    517      518   UMEMREFY   U48 REF PERIOD # MEM ENROLLED:FY-YR
    519      520   UMEMRM2    U48 REF PERIOD # MEM ENROLLED: MON
    521      522   UMEMRY2    U48 REF PERIOD # MEM ENROLLED: YR

 Positional Listing of Variables
  START      END   NAME       DESCRIPTION
  _____      ___   ____       ___________
      1       15   RCORDIDX   RECORD ID (ODUX + PN + PIEID)
     16       20   ODUX       ORIGINAL DWELLING UNIT
     21       23   PN         PERSON NUMBER
     24       31   PHLDRIDX   POLICYHOLDER ID (ODUX + PN)
     32       38   PIEID      EMPLOYER/UNION ID
     39       40   LASTAGE    ED PH AGE AT END OF LAST ELIGIBLE RD
     41       41   SMPSEXR    PH SEX
     42       42   RACE6      ED PH RACE
     43       43   RACE3      PH RACE/ETHNICITY
     44       44   SREGION    PH CENSUS REGION
     45       45   SREGION4   PH CENSUS REGION - RD4
     46       46   DATASRCE   ORIGINAL DATA SOURCE IN HIPS
     47       47   NUMPLANX   TOTAL NUMBER OF PH PLANS 12/31/87
     48       49   TYPE       E0/U1 PH TYPE
     50       50   TYPEX      E0/U1ED PH TYPE
     51       52   GROUPCOV   E2 ORG PROVIDES GROUP COVERAGE
     53       53   CONPLANX   PH PLAN(S) SELF-INSR/NON-SELF/MIX
     54       54   SLFINIMP   CONPLANX WAS EDITED OR IMPUTED
     55       55   PKIND2     PH PLAN(S) MAIN/SUPPL/MIX
     56       57   PTRADHMO   PH PLAN(S) ARE HMO/TRAD/BOTH
     58       59   PBMEDX     PH HAS AT LEAST 1 PLAN W/ BASIC MED
     60       61   PHOSPX     PH HAS AT LEAST 1 PLAN W/ BASIC HOSP
     62       63   PMMEDX     PH HAS AT LEAST 1 PLAN W/ MAJOR MED
     64       65   PDENTX     PH HAS AT LEAST 1 PLAN W/ DENTAL
     66       67   PVISIONX   PH HAS AT LEAST 1 PLAN W/ VISION
     68       69   PDRUGX     PH HAS AT LEAST 1 PLAN W/ PRESCR MED
     70       71   NUMDFF     E3/U3 NUMBER HOSP/MED/HMO PLANS OFFERED
     72       73   DVOFF      E14A/U14A SEPAR DEN/VIS/DRG PLANS AVAIL
     74       75   NUMDV      E14B/U14B NUM DEN/VISION/DRG PLANS OFFRD
     76       77   FMONTH     E26/U26 FIRST MONTH COVERED BY PLAN(S)
     78       87   TOTPREM    E27/U27 PH TOTAL PREMIUM
     88       95   TOTPREMX   E27/U27ED PH TOTAL PREMIUM
     96      105   EMPCONT    E27/U27 PH EMPLOYER CONTRIBUTION
    106      113   EMPCONTX   E27/U27ED PH EMPLOYER CONTRIBUTION
    114      120   INDCONTX   E27/U27ED PH OUT-OF-POCKET EXPENSES
    121      129   OTHCONT    E27/U27 PH OTHER CONTRIBUTION
    130      136   OTHCONTX   E27/U27ED PH OTHER CONTRIBUTION
    137      146   NOTECON    E27/U27 NON SELF INS PH OUT-OF-POCKET EX
    147      154   SINMEM     E27/U27 SELF INS PH OUT-OF-POCKET EXP
    155      156   TYPHELD    E28/U28 LEVEL COVERAGE HELD BY PH
    157      157   TYPHELDX   E28/U28ED LEVEL COVERAGE HELD BY PH
    158      159   ALABUSE    E39/U36 EMPL/UN COVERS ALCOH ABUSE TRTMT
    160      161   DRABUSE    E39/U36 EMPL/UN COVERS DRUG ABUSE TRTMT
    162      163   MHPROB     E39/U36 EMPL/UN COVERS MENTAL HLTH TRTMT
    164      165   EOPNROLL   E40 EMPL:TIMES OF OPEN ENROLLMENT
    166      225   COMMENT    E40 EMPL:TIMES OF OPEN ENROLLMENT-OTHER
    226      227   EMPECONT   E41 EMPLOYEE CAN CONTIN INSR WHN LAY OFF
    228      229   EWHOPAY    E42 SOURCE OF PAYMENT FOR CONTIN COV
    230      238   PERSING    E43 PROPORTION OF COV EMPL W/ SINGLE COV
    239      248   PERCFAM    E43 PROPORTION OF COV EMPL W FAMILY COV
    249      250   ERETHLTH   E44 ANY RETIREES RECEIVE GRP HLTH INS
    251      259   RATRETIR   E45/43 RATIO: # COV RETIR TO # COV EMPL
    260      269   RATUND65   E45A/43 RATIO: COV RETR(LT65) TO COV EMP
    270      271   EUNDRPAY   E45A HOW RETIR COV GRP HLTH PAID-UNDR 65
    272      280   RATOVR65   E45B/43 RATIO: COV RETR(65+) TO COV EMPL
    281      282   EOVERPAY   E45B HOW RETIR COV GRP HLTH PAID-65 +
    283      284   SELFINS    E46/U37 ANY HEALTH PLANS WERE SELF-INSRD
    285      286   MPPSTOP    E47/U38 EMPL/UN HAVE MPP/STOP-LOSS INS
    287      300   STOPRM     E48A/U39A PREMIUM FOR MPP/STOP-LOSS INS
    301      302   STOPRFC    E48B/U39B REF PD FOR MPP/STOP-LOSS PREM
    303      304   STOPRFM    E48B/U39B REF PD MPP/STOP-LOSS:FY-MON
    305      306   STOPRFY    E48B/U39B REF PD MPP/STOP-LOSS:FY-YR
    307      308   STOPRF3    E48B/U39B REF PD MPP/STOP-LOSS:MON
    309      322   TOTCLAM    E49A/U40A TOT $ CLAIMS EMPL/UN SELF INS
    323      324   CLMINC     E49B/U40B TOT AMT CLAIMS: PAID OR INCUR
    325      326   CLMREFC    E49C/U40C REF PD FOR TOT CLAIMS PD/INC
    327      328   CLMREFM    E49C/U40C REF PD TOT CLAIMS: FY-MON
    329      330   CLMREFY    E49C/U40C REF PD TOT CLAIMS: FY-YR
    331      332   CLMRM2     E49C/U40C REF PD TOT CLAIMS: MON
    333      346   SINTOT     E50/U41 TOTL FUNDNG FOR ALL SELF INS COV
    347      349   SINEMPR    E50/U41 TOT EMPLYR CONTR-ALL SLF INS COV
    350      352   SINSMEM    E50/U41 TOT EMPLOYEE CONTR-SELF INS COV
    353      355   SINUCON    E50/U41 TOT UNION CONTRIB-SELF INS COV
    356      358   SINOTH     E50/U41 TOT OTHER CONTRIB-SELF INS COV
    359      369   FUNDMANX   ED FUNDING SELF INS HOSP/MED PLANS
    370      373   ENRLMANX   ED # PHLDRS IN SELF INS HOSP/MED PLANS
    374      385   RATIMAIN   RATIO OF FUNDMANX TO ENRLMANX
    386      397   SINSADM    E51/U42 ADMINISTRATIVE COST:SLF-INS COV
    398      399   THRDPTY    E52/U43 ADMIN COST INCLUDES OUTSIDE ADM
    400      401   PURCPLN    E53/U44 ANY PLANS PURCHSED IN 1987
    402      415   TOTAPRM    E54A/U45A TOT PREMIUM-ALL PURCHASD PLANS
    416      417   TOTREFC    E54B/U45B REF PD FOR TOT PREM-PURCH PLN
    418      419   TOTREFM    E54B/U45B REF PD TOT PREM PURCH:FY-MON
    420      421   TOTREFY    E54B/U45B REF PD TOT PREM PURCH:FY-YR
    422      423   TOTRM2     E54B/U45B REF PD TOT PREM PURCH: MON
    424      425   OTHBFIT    E55/U46 PREM COVR HLTH CARE ONLY/OTH BEN
    426      427   ORGVAC     E56/U47 EMPL/UN OFFERS PAID VACATION
    428      429   ORGSICK    E56/U47 EMPL/UN OFFERS PAID SICK LEAVE
    430      431   ORGDIS     E56/U47 EMPL/UN OFFERS LONG TERM DIS INS
    432      433   ORGLIFE    E56/U47 EMPL/UN OFFERS LIFE INSURANCE
    434      435   ORGRET     E56/U47 EMPL/UN OFFERS RETIREMENT PLAN
    436      437   ORGSAVE    E56/U47 EMPL/UN OFFERS SAVINGS & CAP ACC
    438      439   ORGCASH    E56/U47 EMPL/UN OFFR $ FOR HLTH/DENT COV
    440      441   EORGTYP    E57 EMPL ORGANIZATION TYPE
    442      443   EORGOWN    E58 EMPL OWNERSHIP
    444      453   PERCNTFT   E59A PROPORTION TOTAL EMPLOY WHO ARE FT
    454      463   PERCNTPT   E59A PROPORTION TOTAL EMPLOY WHO ARE PT
    464      468   TOTALEMP   TOTAL # EMPLOYEES - THIS LOCATION
    469      470   EORGREFC   E59B REF PERIOD FOR TOTAL EMPL-THIS LOC
    471      472   EORGREFM   E59B REF PERIOD # EMPL THIS LOC:FY-MON
    473      474   EORGREFY   E59B REF PERIOD # EMPL THIS LOC:FY-YR
    475      476   EORGRFM2   E59B REF PERIOD # EMPL THIS LOC: MON
    477      478   EORGRFY2   E59B REF PERIOD # EMPL THIS LOC: YR
    479      488   PERCLOW    E60/E59 PROPOR TOT EMPL EARN LE $5.00/HR
    489      490   EMORLOC    E61 EMPL HAS FACILITIES IN MULT LOC
    491      492   ETOTLCAT   E62A TOTL NUMBER EMPLOYES-ALL LOCATIONS
    493      494   ELOCREFC   E62B REF PERIOD # EMPLOYEES-ALL LOC
    495      496   ELOCREFM   E62B REF PERIOD # EMPL ALL LOC:FY-MON
    497      498   ELOCREFY   E62B REF PERIOD # EMPL ALL LOC:FY-YR
    499      500   ELOCRM2    E62B REF PERIOD # EMPL ALL LOC: MON
    501      502   ELOCRY2    E62B REF PERIOD # EMPL ALL LOC: YR
    503      505   EUPCT      E63 UNION MEMBRS AS PERCENT OF ALL WRKRS
    506      507   ERESPDES   E64/U49 POSITION OF PRIMARY HIPS RESP
    508      512   TOTUMEM    TOTAL NUMBER UNION MEMBERS IN 1987
    513      514   UMEMREFC   U48 REF PERIOD # MEMS ENROLLED IN UNION
    515      516   UMEMREFM   U48 REF PERIOD # MEM ENROLLED:FY-MON
    517      518   UMEMREFY   U48 REF PERIOD # MEM ENROLLED:FY-YR
    519      520   UMEMRM2    U48 REF PERIOD # MEM ENROLLED: MON
    521      522   UMEMRY2    U48 REF PERIOD # MEM ENROLLED: YR
    523      523   JOBLNK     LINKAGE TO HS JOB STATUS
    524      525   CGROUP     PH EMPLOYMENT/INSURANCE STATUS IN HS
    526      527   JOBSDSP    RESPONSE CODE IN HIPS
    528      539   POSTJO2    POLICYHOLDER WEIGHT
    540      542   STRATUMX   SAMPLING STRATUM
    543      543   SPSU       PSEUDO PSU


NMES HEALTH INSURANCE PREMIUM CODEBOOK

 Introduction

 THIS  CODEBOOK  PROVIDES  UNWEIGHTED  AND  WEIGHTED  FREQUENCIES   FOR
 SELECTED  ASPECTS  OF  EMPLOYMENT-RELATED  PRIVATE HEALTH INSURANCE IN
 FORCE AT  THE  END  OF  CALENDAR  YEAR  1987.   CORRESPONDING  TO  THE
 RESPECTIVE  EMPLOYER  OR  UNION  QUESTIONNAIRE,  AN  INDIVIDUAL RECORD
 CONTAINS INFORMATION ON COVERAGE OBTAINED BY  A  POLICYHOLDER  FROM  A
 GIVEN  EMPLOYER OR UNION.  IN THOSE CASES WHERE AN INDIVIDUAL OBTAINED
 MORE THAN ONE PLAN THROUGH THE SAME EMPLOYER,  THE  INFORMATION  ON  A
 SINGLE  RECORD  REPRESENTS  ALL  PLANS OBTAINED THROUGH THAT EMPLOYER.
 POLICYHOLDERS WITH EMPLOYMENT-RELATED  COVERAGE  FROM  MORE  THAN  ONE
 SOURCE  ARE  REPRESENTED  ON  MORE THAN ONE RECORD.  BASIC DEMOGRAPHIC
 INFORMATION  FOR  EACH  POLICYHOLDER,   HEALTH   INSURANCE   PREMIUMS,
 CHARACTERISTICS  OF  HELD COVERAGE AND CHARACTERISTICS OF THE PROVIDER
 OF  INSURANCE  ARE  INCLUDED  ON  EACH  RECORD.   TO  OBTAIN  NATIONAL
 ESTIMATES  FOR THE VARIABLES ON THIS FILE, THE WEIGHT DESCRIBED AT THE
 END OF THIS CODEBOOK MUST  BE  USED.   INFORMATION  CONCERNING  SAMPLE
 DESIGN  AND VARIANCE ESTIMATION IS PROVIDED IN THE FILE DOCUMENTATION.
 FOR VARIABLES CORRESPONDING DIRECTLY TO HIPS QUESTIONNAIRE ITEMS,  THE
 ITEM  NUMBER  IS  PROVIDED  IN  THE  VARIABLE  DESCRIPTOR,  WHICH ALSO
 IDENTIFIES EDITED VARIABLES.  FOR VARIABLES WITH AN  ASTERISK  IN  THE
 RIGHTMOST  COLUMN,  EXPLANATORY  NOTES  ARE PROVIDED AT THE END OF THE
 FILE 2 CODEBOOK IN ALPHABETICAL ORDER OF THE VARIABLE NAME.

 Employment-Related Coverage Pos.1-70
 
 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 RCORDIDX   RECORD ID (ODUX + PN + PIEID)       15.0  CHAR      1     15
 ________   _______________________________    ______  ____  _____  _____
                    VALUE
                    _____
                    VALID RECORD ID
                    TOTAL
 ODUX       ORIGINAL DWELLING UNIT               5.0   NUM     16     20
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    20001 - 37613
                    TOTAL
 PN         PERSON NUMBER                        3.0   NUM     21     23
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    10 - 173
                    TOTAL
 PHLDRIDX   POLICYHOLDER ID (ODUX + PN)          8.0  CHAR     24     31
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    VALID PHLDR ID
                    TOTAL
 PIEID      EMPLOYER/UNION ID                    7.0  CHAR     32     38
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    VALID VALUES
                    TOTAL
 LASTAGE    ED PH AGE AT END OF LAST ELIGIBLE RD     2.0   NUM     39     40   *
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    0 - 17
                   18 - 44
                   45 - 64
                   65+
                   TOTAL
 SMPSEXR    PH SEX                               1.0   NUM     41     41
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1 MALE
                    2 FEMALE
                    TOTAL

 RACE6      ED PH RACE                           1.0   NUM     42     42       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1 AMER INDIAN
                    2 ALASKAN NATIVE
                    3 ASIAN/PACIFIC
                    4 BLACK
                    5 WHITE
                    6 OTHER
                    TOTAL
 RACE3      PH RACE/ETHNICITY                    1.0   NUM     43     43       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE

                    VALUE
                    _____
                    0 NO CHANGES
                    1 LOGICAL ED
                    2 IMPUTED
                    TOTAL
 PKIND2     PH PLAN(S) MAIN/SUPPL/MIX            1.0   NUM     55     55      *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1 MAIN
                    2 SUPP
                    3 MIX
                    TOTAL
 PTRADHMO   PH PLAN(S) ARE HMO/TRAD/BOTH         2.0   NUM     56     57       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -1 INAPPLICABLE
                    1 HMO
                    2 TRAD
                    3 BOTH
                    TOTAL
 PBMEDX     PH HAS AT LEAST 1 PLAN W/ BASIC MED    2.0   NUM     58    59     *
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____

                    1 YES
                    2 NO
                    TOTAL
 NUMDFF     E3/U3 NUMBER HOSP/MED/HMO PLANS OFFERED   2.0   NUM     70      71
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    1 - 4
                    5 - 9
                    10 - 49
                    50 - 99
                    TOTAL

 Employment-Related Coverage Pos. 72-155

 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 DVOFF      E14A/U14A SEPAR DEN/VIS/DRG PLANS AVAIL     2.0   NUM     72     73
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    1 YES
                    2 NO
                    TOTAL
 NUMDV      E14B/U14B NUM DEN/VISION/DRG PLANS OFFRD    2.0   NUM     74     75
 ________   ________________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -1 INAPPLICABLE
                    1 - 4
                    5 - 9
                    10 - 49
                    TOTAL

 FMONTH     E26/U26 FIRST MONTH COVERED BY PLAN(S)     2.0   NUM     76     77
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                     1 JAN
                     2 FEB
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 TOTPREM    E27/U27 PH TOTAL PREMIUM            10.2   NUM     78     87
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    8000+
                    TOTAL

 TOTPREMX   E27/U27ED PH TOTAL PREMIUM           8.2   NUM     88     95      *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    8000+
                    TOTAL
 EMPCONT    E27/U27 PH EMPLOYER CONTRIBUTION     10.2   NUM     96    105
 ________   ________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    8000+
                    TOTAL
 EMPCONTX   E27/U27ED PH EMPLOYER CONTRIBUTION     8.2   NUM    106    113     *
 ________   __________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    8000+
                    TOTAL
 INDCONTX   E27/U27ED PH OUT-OF-POCKET EXPENSES    7.2   NUM    114    120     *
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    TOTAL
 OTHCONT    E27/U27 PH OTHER CONTRIBUTION        9.2   NUM    121    129
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    8000+
                    TOTAL
 OTHCONTX   E27/U27ED PH OTHER CONTRIBUTION     7.2   NUM    130    136       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    TOTAL
 NOTECON    E27/U27 NON SELF INS PH OUT-OF-POCKET EX     10.2   NUM    137   146
 ________   ________________________________________   ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    8000+
                    TOTAL
 SINMEM     E27/U27 SELF INS PH OUT-OF-POCKET EXP      8.2   NUM    147    154
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 1999.99
                    2000 - 3999.99
                    4000 - 5999.99
                    6000 - 7999.99
                    8000+
                    TOTAL
 TYPHELD    E28/U28 LEVEL COVERAGE HELD BY PH      2.0   NUM    155    156
 ________   _________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 SINGLE
                    2 TWO PARTY
                    3 FAMILY
                    4 OTHER
                    TOTAL

 Employment-Related Coverage Pos. 157-249

 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 TYPHELDX   E28/U28ED LEVEL COVERAGE HELD BY PH     1.0   NUM    157    157
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1 SINGLE
                    2 TWO PARTY
                    3 FAMILY
                    4 OTHER
                    TOTAL
 ALABUSE    E39/U36 EMPL/UN COVERS ALCOH ABUSE TRTMT    2.0   NUM    158    159
 ________   ________________________________________   ______  ____  _____  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 YES
                    2 NO
                    TOTAL
 DRABUSE    E39/U36 EMPL/UN COVERS DRUG ABUSE TRTMT     2.0   NUM    160    161
 ________   ________________________________________  ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 YES
                    2 NO
                    TOTAL
 MHPROB     E39/U36 EMPL/UN COVERS MENTAL HLTH TRTMT     2.0   NUM    162    163
 ________   ________________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 YES
                    2 NO
                    TOTAL
 EOPNROLL   E40 EMPL:TIMES OF OPEN ENROLLMENT     2.0   NUM    164    165
 ________   _________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 WHEN HIRED
                    2 YEARLY
                    3 BIANNUALLY
                    4 OTHER
                    TOTAL
 COMMENT    E40 EMPL:TIMES OF OPEN ENROLLMENT-OTHER     60.0  CHAR    166    225
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -1 INAPPLICABLE
                    -9 NOT ASCERTAIN
                    TEXT FIELD
                    TOTAL
 EMPECONT   E41 EMPLOYEE CAN CONTIN INSR WHN LAY OFF    2.0   NUM    226    227
 ________   ________________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 YES
                    2 NO
                    TOTAL
 EWHOPAY    E42 SOURCE OF PAYMENT FOR CONTIN COV    2.0   NUM    228    229
 ________   ____________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 BY EMPLOYEE
                    2 PART BY ORG
                    3 ALL BY ORG
                    TOTAL
 PERSING    E43 PROPORTION OF COV EMPL W/ SINGLE COV  9.6  NUM  230  238       *
 ________   ________________________________________  ___  ___  ___  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 PERCFAM    E43 PROPORTION OF COV EMPL W FAMILY COV  10.6    NUM   239    248  *
 ________   _______________________________________  ______  ____  _____  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL

 ERETHLTH   E44 ANY RETIREES RECEIVE GRP HLTH INS     2.0   NUM    249    250
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                   -9 NOT ASCERTAIN
                   -8 DK
                   -7 REFUSED
                   -6 RESP INAPPLIC
                   -5 NVR WILL KNOW
                   -1 INAPPLICABLE
                    1 YES
                    2 NO
                    TOTAL

 Employment-Related Coverage Pos. 251-325
 
 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 RATRETIR   E45/43 RATIO: # COV RETIR TO # COV EMPL    9.6   NUM  251  259    *
 ________   _______________________________________  ______  ___ ____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 RATUND65   E45A/43 RATIO: COV RETR(LT65) TO COV EMP   10.6  NUM  260  269     *
 ________   ________________________________________  _____  ___  ___  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 EUNDRPAY   E45A HOW RETIR COV GRP HLTH PAID-UNDR 65      2.0   NUM    270  271
 ________   ________________________________________   ______  ____  _____  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 BY RETIREE
                    2 PART BY ORG
                    3 ALL BY ORG
                    4 UNDER 65 INELG
                    TOTAL
 RATOVR65   E45B/43 RATIO: COV RETR(65+) TO COV EMPL   9.6  NUM   272   280    *
 ________   ________________________________________  ____  ___  ____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 EOVERPAY   E45B HOW RETIR COV GRP HLTH PAID-65 +    2.0  NUM  281   282
 ________   _____________________________________   ____  ___  ___  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 BY RETIREE
                    2 PART BY ORG
                    3 ALL BY ORG
                    4 UNDER 65 INELG
                    TOTAL
 SELFINS    E46/U37 ANY HEALTH PLANS WERE SELF-INSRD     2.0   NUM    283    284
 ________   ________________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 YES
                    2 NO
                    TOTAL
 MPPSTOP    E47/U38 EMPL/UN HAVE MPP/STOP-LOSS INS     2.0   NUM    285    286
 ________   ______________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 YES
                    2 NO
                    TOTAL
 STOPRM     E48A/U39A PREMIUM FOR MPP/STOP-LOSS INS     14.2   NUM    287    300
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 499.99
                    500 - 999.99
                    1000 - 9999.99
                    10000 - 49999.99
                    50000+
                    TOTAL
 STOPRFC    E48B/U39B REF PD FOR MPP/STOP-LOSS PREM     2.0   NUM    301    302
 ________   _______________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 CALENDAR YEAR
                    2 NOT CALENDAR
                    TOTAL
 STOPRFM    E48B/U39B REF PD MPP/STOP-LOSS:FY-MON     2.0   NUM    303    304
 ________   _____________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     2 FEB
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 STOPRFY    E48B/U39B REF PD MPP/STOP-LOSS:FY-YR      2.0   NUM    305    306
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    88
                    TOTAL
 STOPRF3    E48B/U39B REF PD MPP/STOP-LOSS:MON      2.0   NUM    307    308
 ________   __________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     2 FEB
                     3 MAR
                     4 APR
                     6 JUN
                     7 JUL
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 TOTCLAM    E49A/U40A TOT $ CLAIMS EMPL/UN SELF INS     14.2   NUM    309    322
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 499.99
                    500 - 999.99
                    1000 - 9999.99
                    10000 - 49999.99
                    50000+
                    TOTAL
 CLMINC     E49B/U40B TOT AMT CLAIMS: PAID OR INCUR      2.0   NUM    323    324
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 PAID
                    2 INCURRED
                    TOTAL
 CLMREFC    E49C/U40C REF PD FOR TOT CLAIMS PD/INC      2.0   NUM    325    326
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 CALENDAR YEAR
                    2 NOT CALENDAR
                    TOTAL

 Employment-Related Coverage Pos. 327-420

 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 CLMREFM    E49C/U40C REF PD TOT CLAIMS: FY-MON      2.0   NUM    327    328
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     2 FEB
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 CLMREFY    E49C/U40C REF PD TOT CLAIMS: FY-YR      2.0   NUM    329    330
 ________   __________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    86
                    88
                    TOTAL
 CLMRM2     E49C/U40C REF PD TOT CLAIMS: MON      2.0   NUM    331    332
 ________   ________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 SINTOT     E50/U41 TOTL FUNDNG FOR ALL SELF INS COV    14.2   NUM    333    346
 ________   ________________________________________   ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 7999.99
                    8000 - 49999.99
                    50000 - 99999.99
                    100000-999999.99
                    1000K-LT 100000K
                    100000000+
                    TOTAL
 SINEMPR    E50/U41 TOT EMPLYR CONTR-ALL SLF INS COV      3.0   NUM    347   349
 ________   ________________________________________   ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                               0%
                    GT 0 - LT 25%
                      25 - LT 50%
                      50 - LT 75%
                        75 - 100%
                    TOTAL
 SINSMEM    E50/U41 TOT EMPLOYEE CONTR-SELF INS COV      3.0   NUM    350    352
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                               0%
                    GT 0 - LT 25%
                      25 - LT 50%
                      50 - LT 75%
                        75 - 100%
                    TOTAL
 SINUCON    E50/U41 TOT UNION CONTRIB-SELF INS COV      3.0   NUM    353    355
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                               0%
                    GT 0 - LT 25%
                      25 - LT 50%
                      50 - LT 75%
                        75 - 100%
                    TOTAL
 SINOTH     E50/U41 TOT OTHER CONTRIB-SELF INS COV      3.0   NUM    356    358
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                               0%
                    GT 0 - LT 25%
                      50 - LT 75%
                        75 - 100%
                    TOTAL
 FUNDMANX   ED FUNDING SELF INS HOSP/MED PLANS     11.2   NUM    359    369   *
 ________   __________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -10 SUPPRESSED
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    GT 0 TO 7999.99
                    8000 - 49999.99
                    50000 - 99999.99
                    100000-999999.99
                    1000K-LT 100000K
                    TOTAL
 ENRLMANX   ED # PHLDRS IN SELF INS HOSP/MED PLANS   4.0   NUM   370   373     *
 ________   ______________________________________  ____  ____  ____  ____
                    VALUE
                    _____
                    -10 SUPPRESSED
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    GT 0 TO 499
                    500 - 999
                    1000 - 9999
                    TOTAL

 RATIMAIN   RATIO OF FUNDMANX TO ENRLMANX     12.6   NUM    374    385       *
 ________   _____________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    GT 0 TO 1999.999
                    2000 - 3999.999
                    4000 - 5999.999
                    6000 - 7999.999
                    8000+
                    TOTAL
 SINSADM    E51/U42 ADMINISTRATIVE COST:SLF-INS COV    12.2   NUM    386    397
 ________   _______________________________________   _____  ____  _____  _____
                    VALUE
                   _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 7999.99
                    8000 - 49999.99
                    50000 - 99999.99
                    100000-999999.99
                    1000K-LT 100000K
                    100000000+
                    TOTAL
 THRDPTY    E52/U43 ADMIN COST INCLUDES OUTSIDE ADM      2.0   NUM    398    399
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 YES
                    2 NO
                    TOTAL
 PURCPLN    E53/U44 ANY PLANS PURCHSED IN 1987     2.0   NUM    400    401
 ________   __________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 YES
                    2 NO
                    TOTAL
 TOTAPRM    E54A/U45A TOT PREMIUM-ALL PURCHASD PLANS     14.2   NUM    402  415
 ________   ________________________________________   ______  ____  _____  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 TO 7999.99
                    8000 - 49999.99
                    50000 - 99999.99
                    100000-999999.99
                    1000K-LT 100000K
                    100000000+
                    TOTAL
 TOTREFC    E54B/U45B REF PD FOR TOT PREM-PURCH PLN    2.0   NUM    416    417
 ________   _______________________________________  ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 CALENDAR YEAR
                    2 NOT CALENDAR
                    TOTAL

 TOTREFM    E54B/U45B REF PD TOT PREM PURCH:FY-MON     2.0   NUM    418    419
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     2 FEB
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 TOTREFY    E54B/U45B REF PD TOT PREM PURCH:FY-YR     2.0   NUM    420    421
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    86
                    88
                    TOTAL

 Employment-Related Coverage Pos. 422-543

 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 TOTRM2     E54B/U45B REF PD TOT PREM PURCH: MON      2.0   NUM    422    423
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 OTHBFIT    E55/U46 PREM COVR HLTH CARE ONLY/OTH BEN    2.0  NUM   424    425
 ________   ________________________________________   ____  ____  ___  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 HLTH CARE ONLY
                    2 OTHER BENEFIT
                    TOTAL

 ORGVAC     E56/U47 EMPL/UN OFFERS PAID VACATION      2.0   NUM    426    427
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    1 YES
                    2 NO
                    TOTAL
 ORGSICK    E56/U47 EMPL/UN OFFERS PAID SICK LEAVE    2.0   NUM    428    429
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    1 YES
                    2 NO
                    TOTAL
 ORGDIS     E56/U47 EMPL/UN OFFERS LONG TERM DIS INS      2.0   NUM    430   431
 ________   ________________________________________   ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    1 YES
                    2 NO
                    TOTAL
 ORGLIFE    E56/U47 EMPL/UN OFFERS LIFE INSURANCE      2.0   NUM    432    433
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    1 YES
                    2 NO
                    TOTAL
 ORGRET     E56/U47 EMPL/UN OFFERS RETIREMENT PLAN     2.0   NUM    434    435
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    1 YES
                    2 NO
                    TOTAL
 ORGSAVE    E56/U47 EMPL/UN OFFERS SAVINGS & CAP ACC      2.0   NUM    436   437
 ________   ________________________________________   ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 YES
                    2 NO
                    TOTAL
 ORGCASH    E56/U47 EMPL/UN OFFR $ FOR HLTH/DENT COV      2.0   NUM    438   439
 ________   ________________________________________   ______  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    1 YES
                    2 NO
                    TOTAL
 EORGTYP    E57 EMPL ORGANIZATION TYPE           2.0   NUM    440    441
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 FOR PROFIT
                    2 NON-PROFIT
                    3 ST/LOCAL GOVT
                    4 OTHER
                    TOTAL
 EORGOWN    E58 EMPL OWNERSHIP                     2.0   NUM    442    443
 ________   _________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 SOLE PROPRIET
                    2 PARTNERSHIP
                    3 CORPORATION
                    4 SUBCHAP S CORP
                    TOTAL
 PERCNTFT   E59A PROPORTION TOTAL EMPLOY WHO ARE FT     10.6   NUM  444  453   *
 ________   _______________________________________   ______  ____  ___  ___
                    VALUE
                    _____
                    -11 DENOM = ZERO
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 PERCNTPT   E59A PROPORTION TOTAL EMPLOY WHO ARE PT     10.6   NUM  454  463   *
 ________   _______________________________________   ______  ____  ___  ___
                    VALUE
                    _____
                    -11 DENOM = ZERO
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 TOTALEMP   TOTAL # EMPLOYEES - THIS LOCATION    5.0   NUM    464  468       *
 ________   _________________________________   ____  ____  _____  ____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    1 - 9
                    10 - 25
                    26 - 100
                    101 - 500
                    501 - 9999
                    10000+
                    TOTAL
 EORGREFC   E59B REF PERIOD FOR TOTAL EMPL-THIS LOC      2.0   NUM    469    470
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 CALENDAR YEAR
                    2 NOT CALENDAR
                    TOTAL
 EORGREFM   E59B REF PERIOD # EMPL THIS LOC:FY-MON      2.0   NUM    471    472
 ________   ______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     2 FEB
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 EORGREFY   E59B REF PERIOD # EMPL THIS LOC:FY-YR      2.0   NUM    473    474
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    86
                    88
                    TOTAL
 EORGRFM2   E59B REF PERIOD # EMPL THIS LOC: MON      2.0   NUM    475    476
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     3 MAR
                     5 MAY
                     6 JUN
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 EORGRFY2   E59B REF PERIOD # EMPL THIS LOC: YR      2.0   NUM    477    478
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    88
                    TOTAL
 PERCLOW    E60/E59 PROPOR TOT EMPL EARN LE $5.00/HR    10.6  NUM   479  488   *
 ________   ________________________________________   _____  ___  ____  ___
                    VALUE
                    _____
                    -11 DENOM = ZERO
                    -9 NOT ASCERTAIN
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0
                    GT 0 - LT .250
                    .250 - LT .500
                    .500 - LT .750
                    .750 - 1.000
                    GT 1.000
                    TOTAL
 EMORLOC    E61 EMPL HAS FACILITIES IN MULT LOC      2.0   NUM    489    490
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 YES
                    2 NO
                    TOTAL
 ETOTLCAT   E62A TOTL NUMBER EMPLOYES-ALL LOCATIONS      2.0   NUM  491  492   *
 ________   _______________________________________   ______  ____  ___  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    0 ZERO
                    1 1-9
                    2 10-25
                    3 26-100
                    4 101-500
                    5 501-9999
                    6 10000+
                    TOTAL
 ELOCREFC   E62B REF PERIOD # EMPLOYEES-ALL LOC      2.0   NUM    493    494
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 CALENDAR YEAR
                    2 NOT CALENDAR
                    TOTAL
 ELOCREFM   E62B REF PERIOD # EMPL ALL LOC:FY-MON      2.0   NUM    495    496
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     3 MAR
                     5 MAY
                     6 JUN
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 ELOCREFY   E62B REF PERIOD # EMPL ALL LOC:FY-YR      2.0   NUM    497    498
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    86
                    88
                    TOTAL
 ELOCRM2    E62B REF PERIOD # EMPL ALL LOC: MON      2.0   NUM    499    500
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                     1 JAN
                     3 MAR
                     4 APR
                     5 MAY
                     7 JUL
                     8 AUG
                     9 SEP
                    10 OCT
                    11 NOV
                    12 DEC
                    TOTAL
 ELOCRY2    E62B REF PERIOD # EMPL ALL LOC: YR      2.0   NUM    501    502
 ________   __________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    88
                    TOTAL
 EUPCT      E63 UNION MEMBRS AS PERCENT OF ALL WRKRS      3.0   NUM    503  505
 ________   ________________________________________   ______  ____  _____  ___
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                               0%
                    GT 0 - LT 25%
                      25 - LT 50%
                      50 - LT 75%
                        75 - 100%
                    TOTAL
 ERESPDES   E64/U49 POSITION OF PRIMARY HIPS RESP      2.0   NUM    506    507
 ________   _____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -6 RESP INAPPLIC
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 GEN MGR/OWNER
                    2 PERSNL SPC/MGR
                    3 EMPL BEN SPE
                    4 CFO
                    5 OTHER
                    TOTAL
 TOTUMEM    TOTAL NUMBER UNION MEMBERS IN 1987    5.0   NUM    508    512      *
 ________   __________________________________   ____  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -5 NVR WILL KNOW
                    -1 INAPPLICABLE
                    1 - 49
                    50 - 99
                    100 - 499
                    500 - 999
                    1000 - 9999
                    10000+
                    TOTAL
 UMEMREFC   U48 REF PERIOD # MEMS ENROLLED IN UNION      2.0   NUM    513    514
 ________   _______________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -1 INAPPLICABLE
                    1 CALENDAR YEAR
                    2 NOT CALENDAR
                    TOTAL
 UMEMREFM   U48 REF PERIOD # MEM ENROLLED:FY-MON      2.0   NUM    515    516
 ________   ____________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -1 INAPPLICABLE
                     1 JAN
                     3 MAR
                     4 APR
                     5 MAY
                     6 JUN
                     8 AUG
                     9 SEP
                    11 NOV
                    TOTAL
 UMEMREFY   U48 REF PERIOD # MEM ENROLLED:FY-YR      2.0   NUM    517    518
 ________   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -8 DK
                    -7 REFUSED
                    -1 INAPPLICABLE
                    88
                    TOTAL
 UMEMRM2    U48 REF PERIOD # MEM ENROLLED: MON      2.0   NUM    519    520
 _______   ___________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                     6 JUN
                    12 DEC
                    TOTAL
 UMEMRY2    U48 REF PERIOD # MEM ENROLLED: YR      2.0   NUM    521    522
 ________   _________________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    -9 NOT ASCERTAIN
                    -1 INAPPLICABLE
                    88
                    TOTAL
 JOBLNK     LINKAGE TO HS JOB STATUS             1.0   NUM    523    523       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1 LNK TO S21 JOB
                    2 LNK TO S16 JOB
                    3 NO LINK-UNION
                    4 NO LINK
                    TOTAL
 CGROUP     PH EMPLOYMENT/INSURANCE STATUS IN HS   2.0  CHAR  524  525       *
 ________   ____________________________________  ____  ____  ___  ____
                    VALUE
                    _____
                    1 EMPLYED/PRIV
                    2 EMPLYED/PUB
                    3 EMPLYED/UNIN
                    4 DEPEND/PRIV
                    5 DEPEND/PUB
                    7 UNEMPL/PRIV
                    8 UNEMPL/PUB
                    9 UNEMPL/UNIN
                    TOTAL
 JOBSDSP    RESPONSE CODE IN HIPS                2.0  CHAR    526    527       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1 PARTIALLY COMP
                    2 COMPLETE
                    10 NOT EMP/INS
                    11 NOT FL YR KEY
                    TOTAL
 POSTJO2    POLICYHOLDER WEIGHT                 12.6   NUM    528    539       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    0
                    2121.87-43443.1
                    TOTAL
 STRATUMX   SAMPLING STRATUM                     3.0   NUM    540    542       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    301 - 401
                    TOTAL
 SPSU       PSEUDO PSU                         1.0    NUM    543    543       *
 ________   _______________________________   ______  ____  _____  _____
                    VALUE
                    _____
                    1
                    2
                    TOTAL


DATA DICTIONARIES COVERAGE OBTANED DIRECTLY FROM INSURERS

 Alphabetical Listing of Variables
 
   START    END   NAME       DESCRIPTION
   _____    ___   ____       ___________
    75       76   BHOSPX     I9ED PLAN INCL BASIC HOSPITALIZATION COV
    71       72   BMEDX      I9ED PLAN INCL BASIC MEDICAL COV
   142      143   CGROUP     EMPLOYMENT/INSURANCE STATUS IN HS
    83       84   DENTALX    I9ED PLAN INCL DENTAL COV
   134      134   EMPCONTX   ED PH EMPLOYER CONTRIBUTION
    97       98   FMONTH     I13 PH FIRST MON COVERED BY PLAN
    55       56   GROUPCOV   I7 PLAN IS A GROUP POLICY
    57       57   GROUPCOX   I7ED PLAN IS A GROUP POLICY
    73       74   IBHOSP     I9 HOSPITALIZATION INCLUDED IN PLAN
    69       70   IBMED      I9 BASIC MEDICAL COV INCLUDED IN PLAN
    81       82   IDENT      I9 DENTAL COVERAGE INCLUDED IN PLAN
    95       96   IEXIST     I11 PRE-EXISTING CONDS EXCLUDED
    65       66   IHMO       I9 HMO COVERAGE INCLUDED IN THIS PLAN
    67       68   IHMOX      I9ED PLAN INCL HMO COV
   119      119   IHOLDPAX   I16ED PH PAID ENTIRE PREM
   117      118   IHOLDPAY   I16 PH PAID ENTIRE PREM
    77       78   IMMED      I9 MAJOR MEDICAL COV INCLUDED IN PLAN
   120      126   INDCONT    I17 PH OUT-OF-POCKET EXPENSES
   127      133   INDCONTX   I17ED PH OUT-OF-POCKET EXPENSES
    58       64   INUMHOLD   I8 NUM POLICYHOLDERS IN GROUP
    89       90   IPDRUG     I9 PRESCRIPTION DRUGS INCLUDED IN PLAN
    85       86   IVIS       I9 VISION COVERAGE INCLUDED IN PLAN
    93       94   IWAIT      I10 WAITING PERIOD FOR HOSP/MED BENEFIT
   144      145   JOBSDSP    RESPONSE CODE IN HIPS
    46       47   LASTAGE    ED PH AGE AT END OF LAST ELIGIBLE RD
    79       80   MMEDX      I9ED PLAN INCL MAJOR MEDICAL COV
    20       24   ODUX       ORIGINAL DWELLING UNIT
   135      141   OTHCONTX   ED PH OTHER CONTRIBUTION
    91       92   PDRUGX     I9ED PLAN INCL PRESC DRUG COV
    27       34   PHLDRIDX   POLICYHOLDER ID (ODUX + PN)
    35       41   PIEID      INSURER ID
    42       43   PLANDESG   PLAN DESIGNATOR
    44       45   PLANNUM    PLAN NUMBER
    53       54   PLANTYP4   TYPE OF PLAN
    25       26   PN         PERSON NUMBER
   146      157   POSTJO2    POLICYHOLDER WEIGHT
    50       50   RACE3      PH RACE/ETHNICITY
    49       49   RACE6      ED PH RACE
     1       19   RCORDIDX   RECORDID(ODUX+PN+PIEID+PLANDESG+PLANNUM)
    48       48   SMPSEXR    PH SEX
   161      161   SPSU       PSEUDO PSU
    51       51   SREGION    PH CENSUS REGION
    52       52   SREGION4   PH CENSUS REGION - RD4
   158      160   STRATUMX   SAMPLING STRATUM
   102      109   TOTPREM    I15 PH TOTAL PREMIUM
   110      116   TOTPREMX   I15ED PH TOTAL PREMIUM
    99      100   TYPHELD    I14 TYPE COVERAGE HELD BY PH
   101      101   TYPHELDX   I14ED TYPE COVERAGE HELD BY PH
    87       88   VISIONX    I9ED PLAN INCL VISION COV

 Positional Listing of Variables

  START      END   NAME       DESCRIPTION
  _____      ___   ____       ___________
      1       19   RCORDIDX   RECORDID(ODUX+PN+PIEID+PLANDESG+PLANNUM)
     20       24   ODUX       ORIGINAL DWELLING UNIT
     25       26   PN         PERSON NUMBER
     27       34   PHLDRIDX   POLICYHOLDER ID (ODUX + PN)
     35       41   PIEID      INSURER ID
     42       43   PLANDESG   PLAN DESIGNATOR
     44       45   PLANNUM    PLAN NUMBER
     46       47   LASTAGE    ED PH AGE AT END OF LAST ELIGIBLE RD
     48       48   SMPSEXR    PH SEX
     49       49   RACE6      ED PH RACE
     50       50   RACE3      PH RACE/ETHNICITY
     51       51   SREGION    PH CENSUS REGION
     52       52   SREGION4   PH CENSUS REGION - RD4
     53       54   PLANTYP4   TYPE OF PLAN
     55       56   GROUPCOV   I7 PLAN IS A GROUP POLICY
     57       57   GROUPCOX   I7ED PLAN IS A GROUP POLICY
     58       64   INUMHOLD   I8 NUM POLICYHOLDERS IN GROUP
     65       66   IHMO       I9 HMO COVERAGE INCLUDED IN THIS PLAN
     67       68   IHMOX      I9ED PLAN INCL HMO COV
     69       70   IBMED      I9 BASIC MEDICAL COV INCLUDED IN PLAN
     71       72   BMEDX      I9ED PLAN INCL BASIC MEDICAL COV
     73       74   IBHOSP     I9 HOSPITALIZATION INCLUDED IN PLAN
     75       76   BHOSPX     I9ED PLAN INCL BASIC HOSPITALIZATION COV
     77       78   IMMED      I9 MAJOR MEDICAL COV INCLUDED IN PLAN
     79       80   MMEDX      I9ED PLAN INCL MAJOR MEDICAL COV
     81       82   IDENT      I9 DENTAL COVERAGE INCLUDED IN PLAN
     83       84   DENTALX    I9ED PLAN INCL DENTAL COV
     85       86   IVIS       I9 VISION COVERAGE INCLUDED IN PLAN
     87       88   VISIONX    I9ED PLAN INCL VISION COV
     89       90   IPDRUG     I9 PRESCRIPTION DRUGS INCLUDED IN PLAN
     91       92   PDRUGX     I9ED PLAN INCL PRESC DRUG COV
     93       94   IWAIT      I10 WAITING PERIOD FOR HOSP/MED BENEFIT
     95       96   IEXIST     I11 PRE-EXISTING CONDS EXCLUDED
     97       98   FMONTH     I13 PH FIRST MON COVERED BY PLAN
     99      100   TYPHELD    I14 TYPE COVERAGE HELD BY PH
    101      101   TYPHELDX   I14ED TYPE COVERAGE HELD BY PH
    102      109   TOTPREM    I15 PH TOTAL PREMIUM
    110      116   TOTPREMX   I15ED PH TOTAL PREMIUM
    117      118   IHOLDPAY   I16 PH PAID ENTIRE PREM
    119      119   IHOLDPAX   I16ED PH PAID ENTIRE PREM
    120      126   INDCONT    I17 PH OUT-OF-POCKET EXPENSES
    127      133   INDCONTX   I17ED PH OUT-OF-POCKET EXPENSES
    134      134   EMPCONTX   ED PH EMPLOYER CONTRIBUTION
    135      141   OTHCONTX   ED PH OTHER CONTRIBUTION
    142      143   CGROUP     EMPLOYMENT/INSURANCE STATUS IN HS
    144      145   JOBSDSP    RESPONSE CODE IN HIPS
    146      157   POSTJO2    POLICYHOLDER WEIGHT
    158      160   STRATUMX   SAMPLING STRATUM
    161      161   SPSU       PSEUDO PSU


NMES HEALTH INSURANCE PREMIUM CODEBOOK

 Introduction

 THIS  CODEBOOK  PROVIDES  UNWEIGHTED  AND  WEIGHTED  FREQUENCIES   FOR
 SELECTED  ASPECTS  OF PRIVATELY PURCHASED HEALTH INSURANCE IN FORCE AT
 THE END OF  CALENDAR  YEAR  1987.   INFORMATION  ON  A  POLICYHOLDER'S
 PREMIUM  AND  INSURANCE  CHARACTERISTICS  FOR  COVERAGE  THAT  IS  NOT
 EMPLOYMENT-RELATED IS  REPORTED  ON  THIS  FILE  AT  THE  PLAN  LEVEL,
 CORRESPONDING  TO  A SINGLE INSURER QUESTIONNAIRE.  POLICYHOLDERS WITH
 MULTIPLE PLANS, REGARDLESS  OF  THE  SOURCE,  HAVE  MULTIPLE  RECORDS.
 BASIC  DEMOGRAPHIC INFORMATION FOR EACH POLICYHOLDER, HEALTH INSURANCE
 PREMIUMS AND CHARACTERISTICS OF HELD COVERAGE  ARE  INCLUDED  ON  EACH
 RECORD.   TO OBTAIN NATIONAL ESTIMATES FOR THE VARIABLES ON THIS FILE,
 THE WEIGHT DESCRIBED AT  THE  END  OF  THIS  CODEBOOK  MUST  BE  USED.
 INFORMATION  CONCERNING  SAMPLE  DESIGN  AND  VARIANCE  ESTIMATION  IS
 PROVIDED IN  THE  FILE  DOCUMENTATION.   FOR  VARIABLES  CORRESPONDING
 DIRECTLY  TO  HIPS QUESTIONNAIRE ITEMS, THE ITEM NUMBER IS PROVIDED IN
 THE VARIABLE DESCRIPTOR, WHICH ALSO IDENTIFIES EDITED VARIABLES.   FOR
 VARIABLES  WITH AN ASTERISK IN THE RIGHTMOST COLUMN, EXPLANATORY NOTES
 ARE PROVIDED AT THE END OF THIS CODEBOOK IN ALPHABETICAL ORDER OF  THE
 VARIABLE NAME.

 Coverage Obtained Directly from Insurers Pos. 27-73

 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 PHLDRIDX   POLICYHOLDER ID (ODUX + PN)          8.0   CHAR     27     34
 _________  __________________________________   ____  ____     ___    ___
                  VALUE
                  _____
                  VALID PH ID
                  TOTAL
 PIEID      INSURER ID                           7.0   CHAR     35     41
 _________  __________________________________   ____  ____   _____    ___
                  VALUE
                  _____
                  VALID VALUES
                  TOTAL
 PLANDESG   PLAN DESIGNATOR                      2.0   CHAR     42      43
 _________  __________________________________   ____  ____    _____    ___
                  VALUE
                  _____
                  -5 NVR WILL KNOW
                  -9 NOT ASCERTAIN
                  A - Z
                  0 - 9
                  TOTAL
 PLANNUM    PLAN NUMBER                          2.0    NUM     44      45
 ________   ___________________________________  _____  _____   ____   ____
                  VALUE
                  _____
                  -9 NOT ASCERTAIN
                  1
                  2
                  3
                  4
                  5
                  TOTAL
 LASTAGE    ED PH AGE AT END OF LAST ELIGIBLE RD  2.0   NUM     46      47     *
 ________   ____________________________________  ___   ____    ____    ___
                  VALUE
                  _____
                  0 - 17
                  18 - 44
                  45 - 64
                  65+
                  TOTAL
 SMPSEXR     PH SEX                               1.0   NUM     48      48
 ________    ___________________________________  ____  _____  ____    ____
                  VALUE
                  _____
                  1 MALE
                  2 FEMALE
                  TOTAL
 RACE6       ED PH RACE                           1.0   NUM     49      49     *
 ________    ___________________________________  ____  _____   ____    ___
                  VALUE
                  _____
                  1 AMER INDIAN
                  2 ALASKAN NATIVE
                  3 ASIAN/PACIFIC
                  4 BLACK
                  5 WHITE
                  6 OTHER
                  TOTAL
 RACE3       PH RACE/ETHNICITY                    1.0   NUM     50      50     *
 ________    ___________________________________  ____  _____   ____   ____
                  VALUE
                  _____
                  1 HISPANIC
                  2 BLACK NON HISP
                  3 OTHER
                  TOTAL

 SREGION     PH CENSUS REGION                     1.0   NUM     51      51     *
 ________    ___________________________________  ____  _____   ____    ____
                  VALUE
                  _____
                  1 NORTHEAST
                  2 MIDWEST
                  3 SOUTH
                  4 WEST
                  TOTAL
 SREGION4    PH CENSUS REGION - RD4               1.0   NUM     52      52     *
 _________   ___________________________________  ____  _____   ____    ____
                  VALUE
                  _____
                  1 NORTHEAST
                  2 MIDWEST
                  3 SOUTH
                  4 WEST
                  TOTAL
 PLANTYP4    TYPE OF PLAN                         2.0   NUM     53      54     *
 _________   ___________________________________  ____  ____   ____    ____
                  VALUE
                  _____
                  5 MEDIGAP STNDR
                  6 MEDIGAP NONST
                  8 HMO
                  9 TRAD, MAIN
                 10 TRAD, SUPP
                 11 TRAD, OTHER
                 TOTAL
 GROUPCOV    I7 PLAN IS A GROUP POLICY            2.0   NUM     55      56
 _________   ___________________________________  ____  ____   ____    ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -5 NVR WILL KNOW
                 1 YES
                 2 NO
                 TOTAL

 GROUPCOX    I7ED PLAN IS A GROUP POLICY          1.0   NUM     57      57
 _________   ___________________________________  ____  ____   ____    ____
                 VALUE
                 _____
                 1 YES
                 2 NO
                 TOTAL
 INUMHOLD    I8 NUM POLICYHOLDERS IN GROUP        7.0   NUM     58      64
 _________   ___________________________________  ____  ____   ____    ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                 -1 INAPPLICABLE
                 1 - 9999
                 10000 - 49999
                 50000 - 99999
                 100000 - 999999
                 1000000-2100000
                 TOTAL
 IHMO        I9 HMO COVERAGE INCLUDED IN THIS PLAN  2.0  NUM    65      66
 _________   _____________________________________  ___  ____  ____     ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL

 IHMOX       19ED PLAN INCL HMO COV                 2.0   NUM   67      68
 ________    ____________________________________   ___   ___  ____     ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IBMED       I9 BASIC MEDICAL COV INCLUDED IN PLAN   2.0  NUM   69      70
 ________    _____________________________________   ___  ___   ___    ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 BMEDX       I9ED PLAN INCL BASIC MEDICAL COV         2.0  NUM  71      72
 ________    ______________________________________   ___  ___  ___    ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IBHOSP      I9 HOSPITALIZATION INCLUDED IN PLAN      2.0  NUM  73      74
 ________    _______________________________________  ___  ___  ___    ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL

 Coverage Obtained Directly from Insurers Pos. 75-161

 NAME       DESCRIPTION                        FORMAT  TYPE  START    END  NOTE
 ________   ___________                        ______  ____  _____  _____  ____

 BHOSPX      I9ED PLAN INCL BASIC HOSPITALIZATION COV  2.0  NUM   75    76
 ________    ________________________________________  ___  ___  ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IMMED       I9 MAJOR MEDICAL COV INCLUDED IN PLAN     2.0   NUM  77    78
 ________    ________________________________________  ____  ___  ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL

 MMEDX       I9ED PLAN INCL MAJOR MEDICAL COV          2.0   NUM   79   80
 ________    _______________________________________   ____  ___  ___  ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IDENT       I9 DENTAL COVERAGE INCLUDED IN PLAN       2.0   NUM   81   82
 _________   ________________________________________  ___   ____ ___  ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 DENTALX     I9ED PLAN INCL DENTAL COV                 2.0   NUM   83   84
 _________   _______________________________________   ___   ___  ___  ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL

 IVIS        I9 VISION COVERAGE INCLUDED IN PLAN       2.0   NUM   85   86
 ________    _____________________________________     ___   ___  ___  ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 VISIONX     I9ED PLAN INCL VISION COV                 2.0   NUM   87   88
 ________    _____________________________________     ___   ___  ___  ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IPDRUG      I9 PRESCRIPTION DRUGS INCLUDED IN PLAN   2.0    NUM   89   90
 ________    ______________________________________   ___    ___  ___  ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL

 PDRUGX      I9ED PLAN INCL PRESC DRUG COV            2.0    NUM   91   92
 ________    ______________________________________   ___    ___  ___  ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IWAIT       I10 WAITING PERIOD FOR HOSP/MED BENEFIT  2.0   NUM   93    94
 ________    _______________________________________  ___   ___  ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES FOR ALL
                  2 YES FOR SOME
                  3 NO
                 TOTAL

 IEXIST      I11 PRE-EXISTING CONDS EXCLUDED         2.0    NUM   95    96
 ________    ____________________________________    ___    ___  ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES FOR ALL
                  2 YES FOR SOME
                  3 NO
                 TOTAL

 FMONTH      I13 PH FIRST MON COVERED BY PLAN         2.0   NUM   97    98
 ________    ____________________________________     ___   ___  ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 JAN
                  2 FEB
                  3 MAR
                  4 APR
                  5 MAY
                  6 JUN
                  7 JUL
                  8 AUG
                  9 SEP
                 10 OCT
                 11 NOV
                 12 DEC
                 TOTAL
 TYPHELD     I14 TYPE COVERAGE HELD BY PH            2.0   NUM   99    100
 ________    _________________________________       ___   ___  ___    ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                 1 SINGLE
                 2 TWO PARTY
                 3 FAMILY
                 4 OTHER
                 TOTAL

 TYPHELDX    I14ED TYPE COVERAGE HELD BY PH          1.0  NUM   101    101
 _________   ___________________________________     ___  ___  ____   ____
                 VALUE
                 _____
                 1 SINGLE
                 2 TWO PARTY
                 3 FAMILY
                 4 OTHER
                 TOTAL
 TOTPREM     I15 PH TOTAL PREMIUM                   8.2   NUM   102    109
 ________    ___________________________________    ___   ___   ___    ____
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                 0
                 1 - 499.99
                 500 - 999.99
                 1000 - 1499.99
                 1500 - 1999.99
                 2000+
                 TOTAL
 TOTPREMX    I15ED PH TOTAL PREMIUM                7.2    NUM  110    116      *
 _________   ___________________________________   ____   ___  ___    ___
                 VALUE
                 _____
                 1 - 499.99
                 500 - 999.99
                 1000 - 1499.99
                 1500 - 1999.99
                 2000+
                 TOTAL

 IHOLDPAY    I16 PH PAID ENTIRE PREM               2.0    NUM   117   118
 _________   __________________________________   ____    ___   ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                  1 YES
                  2 NO
                 TOTAL
 IHOLDPAX    I16ED PH PAID ENTIRE PREM             1.0    NUM   119   119
 _________   __________________________________    ____   ___   ___   ___
                 VALUE
                 _____
                 1 YES
                 2 NO
                 TOTAL
 INDCONT     I17 PH OUT-OF-POCKET EXPENSES         7.2    NUM   120   126
 _________   __________________________________    ____  ____   ___   ___
                 VALUE
                 _____
                 -9 NOT ASCERTAIN
                 -8 DK
                 -7 REFUSED
                 -5 NVR WILL KNOW
                 -1 INAPPLICABLE
                 0
                 1 - 499.99
                 500 - 999.99
                 1000 - 1499.99
                 1500 - 1999.99
                 2000+
                 TOTAL

 INDCONTX    I17ED PH OUT-OF-POCKET EXPENSES       7.2    NUM   127   133      *
 _________   __________________________________    ___    ___   ___   ___
                 VALUE
                 _____
                 0
                 1 - 499.99
                 500 - 999.99
                 1000 - 1499.99
                 1500 - 1999.99
                 2000+
                 TOTAL
 EMPCONTX    ED PH EMPLOYER CONTRIBUTION           1.0    NUM   134   134      *
 _________   __________________________________    ___    ___   ___   ____
                 VALUE
                 _____
                 O
                 TOTAL
 OTHCONTX    ED PH OTHER CONTRIBUTION              7.2    NUM   135   141      *
 _________   __________________________________    ___    ___   ___   ___
                 VALUE
                 _____
                 0
                 1 - 499.99
                 500 - 999.99
                 1000 - 1499.99
                 1500 - 1999.99
                 2000+
                 TOTAL
 CGROUP      EMPLOYMENT/INSURANCE STATUS IN HS     2.0   CHAR  142   143       *
 ________    ___________________________________   ___   ____  ___   ___
                 VALUE
                 _____
                 1 EMPLYED/PRIV
                 2 EMPLYED/PUB
                 3 EMPLYED/UNIN
                 4 DEPEND/PRIV
                 7 UNEMPL/PRIV
                 TOTAL

 JOBSDSP     RESPONSE CODE IN HIPS                 2.0  CHAR   144   145       *
 ________    __________________________________    ___  ____   ___   ___
                 VALUE
                 _____
                 1 PARTIALLY COMP
                 2 COMPLETE
                 11 NOT FL YR KEY
                 TOTAL
 POSTJO2     POLICYHOLDER WEIGHT                   12.6  NUM   146   157       *
 ________    __________________________________    ____  ___   ___   ___
                 VALUE
                 _____
                 0
                 1326.54-81569.8
                 TOTAL
 STRATUMX    SAMPLING STRATUM                       3.0  NUM   158   160       *
 _________   __________________________________    ____  ___   ___   ___
                 VALUE
                 _____
                 301 - 401
                 TOTAL
 SPSU        PSEUDO PSU                             1.0  NUM   161   161       *
 _________   __________________________________     ___  ___   ___   ___
                 VALUE
                 _____
                 1
                 2
                 TOTAL


NMES HEALTH INS. PLANS SURVEY DATA CODEBOOK NOTES FOR FILES 1 & 2

     An asterisk in the rightmost column of the codebooks indicates
     that an explanatory note provides greater detail on information
     necessary for the use of this variable.  These notes are listed
     below in alphabetical order by variable name.  Unless otherwise
     indicated, variable names are identical across files.

     VARIABLE                             NOTE

     CGROUP           A constructed variable indicating employment and
                      insurance status according to data reported by
                      NMES Household Survey respondents.  Individuals
                      who were classified as uninsured or covered by
                      public insurance in the Household Survey and
                      discovered to be policyholders of private health
                      insurance in HIPS can be identified with this
                      variable.

                      Variable values are:

                      1    According to the Household Survey the
                           policyholder was a jobholder in 1987 and
                           reported being covered by private insurance
                           at the end of 1987.

                      2    According to the Household Survey the
                           policyholder was a jobholder in 1987 and
                           reported being covered by public health
                           insurance at the end of 1987.

                      3    According to the Household Survey the
                           policyholder was a jobholder in 1987 and
                           reported being uninsured at the end of
                           1987.

                      4    According to the Household Survey the
                           policyholder was the dependent of a
                           Household Survey sample person, who was a
                           jobholder in 1987, and reported being
                           covered by private insurance at the end of
                           1987.

                      5    According to the Household Survey the
                           policyholder was the dependent of a
                           Household Survey sample person, who was a
                           jobholder in 1987, and reported being
                           covered by public health insurance at the
                           end of 1987.

                      7    According to the Household Survey the
                           policyholder was neither a jobholder nor a
                           dependent of one and reported being covered
                           by private health insurance at the end of
                           1987.

                      8    According to the Household Survey the
                           policyholder was neither a jobholder nor a
                           dependent of one and reported being covered
                           by public insurance at the end of 1987.

                      9    According to the Household Survey the
                           policyholder was neither a jobholder nor a
                           dependent of one and reported being
                           uninsured at the end of 1987.

                        To be considered a dependent, an individual
                      had to be a spouse of a Household Survey sample
                      member or a child under 19 years of age (or
                      under 24 if they were full-time students or
                      their student status could not be determined).

     CONPLANX         The constructed variable, CONPLANX (File 1),
     SLFINIMP         indicates whether or not employment-related
                      coverage consists of plans that are self-
                      insured.

                      Variable values are:

                      0    The policyholder's coverage consists only
                           of a plan(s) that is not self-insured

                      1    The policyholder's coverage consists of
                           more than one plan where at least one plan
                           is self-insured and at least one plan is
                           not self-insured

                      2    The policyholder's coverage consists only
                           of a plan(s) that is self-insured

                      SLFINIMP (File 1) is an imputation flag
                      indicating whether CONPLANX was constructed from
                      plan level information that was logically edited
                      or imputed.  See Section C.3.1.2 for further
                      details.


     DATASRCE         A File 1 variable indicating whether the data
                      were collected with an Employer or Union
                      questionnaire or were obtained with procedures
                      developed for federal government employees or
                      retirees.

     EMPCONTX         Edited employer contributions toward total
                      premiums.  EMPCONTX is set to 0 on File 2.  See
                      Section C.3.1.4 for details on how this variable
                      was edited in File 1.

     ENRLMANX         Constructed variable on File 1 corresponding to
                      the net number of employees, retirees, or union
                      members enrolled in all self-insured
                      hospital/medical plans offered by the employer
                      or union.  Missing (-9) if the respondent did
                      not supply a minimum set of required data items
                      or if the implied funding per policyholder
                      (FUNDMANX/ENRLMANX) was implausible (less than
                      $400 or more than $15,000).  If ENRLMANX was
                      greater than or equal to 10,000 enrollees, it
                      was suppressed (set to -10) for reasons of
                      confidentiality.

     ETOTLCAT         A constructed variable on File 1 measuring the
                      total number of employees at all locations.  For
                      reasons of confidentiality, this categorical
                      variable was constructed from the continuous
                      information provided in Question 62A in the
                      Employer Questionnaire.

     FUNDMANX         Constructed variable on File 1 corresponding to
                      total funding of all self-insured
                      hospital/medical  plans offered by employer or
                      union.  Includes claims paid, premiums for
                      reinsurance, and administrative costs for all
                      self-insured plans less an estimate of the
                      funding for any separate dental, vision, or
                      prescription drug plans that were self-insured.
                      Missing (-9) if the respondent did not supply
                      the minimally required data items or if the
                      implied funding per policyholder
                      (FUNDMANX/ENRLMANX) was implausible (less than
                      $400 or more than $15,000).  If ENRLMANX was
                      greater than or equal to 10,000 enrollees,
                      FUNDMANX was suppressed (set to -10) for reasons
                      of confidentiality.

     INDCONTX         Edited out-of-pocket premium expenses.  See
                      Sections C.3.1.4 and C.3.2.4 for details.

     JOBSDSP          A person level disposition code indicating
                      response to the NMES Health Insurance Plans
                      Survey questionnaire data.

                      Possible values are:

                      1    Partially complete response. Some of the
                           providers, as reported by Household Survey
                           respondents, for a person's private health
                           insurance were responders to the HIPS
                           questionnaire and some were not.

                      2    Complete response.  All providers, as
                           reported by Household Survey respondents,
                           for a person's private health insurance
                           were responders to the HIPS questionnaires.
                           Only persons with a disposition code of 2
                           have positive policyholder weights
                           (POSTJO2).  See note for POSTJO2 and the
                           technical documentation on sampling weights
                           on the current tape for details.

                      10   Not employed and not a policyholder.
                           According to the Household Survey the
                           sample person was not employed and was not
                           a policyholder of private health insurance.

                      11   Not full year key.  Persons with zero
                           Household Survey weights (INCALPER on NMES
                           Tape 13  = 0).

     JOBLNK           A variable on File 1 indicating whether the
                      record links to a job on NMES Public Use Tape
                      13.  Possible values include:

                      1    The record links to the S21 job on Public
                           Use Tape 13

                      2    The record links to the S16 job on Public
                           Use Tape 13

                      3    The record is from a Union Questionnaire
                           and does not link directly to a job in the
                           Household Survey

                      4    The record does not link to a Public Use
                           Tape 13 job.  Usually this is because no
                           job was identified in the Household Survey.
                           In a few instances the insurance provider
                           linked to a secondary job not released on
                           Public Use Tape 13.

     LASTAGE          An edited variable which identifies person age,
                      in years, as of the end of the last round in
                      1987 for which the person was eligible.  Less
                      than 0.1 percent of the cases were edited.

     NUMPLANX         A count of the number of plans held by a
                      policyholder from a given source on File 1.  The
                      variable was constructed by counting the number
                      of plans identified in Q25 of the Employer or
                      Union questionnaire.  If Q25 was not answered, a
                      policyholder was assigned one main plan,
                      identified as the modal plan for that provider.
                      Federal records and records for HIPS respondents
                      who were not presented with permission forms
                      have NUMPLANX=1.

     OTHCONTX         Edited other contributions toward total
                      premiums.  See Sections C.3.1.4 and C.3.2.4 for
                      details.

     PBMEDX           Constructed variables on File 1 indicating
     PDENTX           insurance benefits provided by the employer or
     PDRUGX           union.  See Section C.3.1.3 for details.
     PHOSPX
     PMMEDX
     PVISIONX

     PERCFAM          Constructed variables on File 1 created for
     PERCLOW          reasons of confidentiality.  Proportions may
     PERCNTFT         exceed 1 since the variables were constructed
     PERCNTPT         with unedited data.  PERCFAM represents the
     PERSING          proportion of covered employees with family
                      coverage.  PERCLOW indicates the proportion of
                      total employees earning $5.00 or less per hour.
                      PERCNTFT measures the proportion of total
                      employees who worked full time. PERCNTPT
                      indicates the proportion of total employees who
                      worked part time. PERSING represents the
                      proportion of covered employees with single
                      coverage.

     PHOSPX           See PBMEDX.

     PKIND2           A constructed variable on File 1 indicating
                      whether a policyholder's coverage from a given
                      source consisted of a main plan(s), a
                      supplemental plan(s) or both.  See Section
                      C.3.1.3 for details.

     PLANDESG         A component of the record ID on File 2.  Note
                      that values of -5 and -9 for PLANDESG (which
                      technically indicate missing values) in
                      combination with the other components of
                      RCORDIDX, allow the user to uniquely identify
                      records in File 2.

     PLANNUM          A component of the record ID on File 2.  Note
                      that the value of -9 for PLANNUM (which
                      technically indicates a missing value), in
                      combination with the other components of
                      RCORDIDX, allows the user to uniquely identify
                      the corresponding record in File 2.

     PLANTYP4         A constructed variable on File 2 indicating the
                      type of plan.  See Section C.3.2.1 for details.

     PMMEDX           See PBMEDX.

     POSTJO2          Weight adjusted for nonresponse to the HIPS
                      survey.  Estimates of premiums require the use
                      of weighted data.  For details on this weight,
                      see Section C.6.

     PTRADHMO         A constructed variable on File 1 indicating
                      whether a policyholder's coverage from a given
                      source consisted of a traditional plan(s), an
                      HMO(s) or both. See Section C.3.1.3 for details.

     PVISIONX         See PBMEDX.

     RACE3            A person-level variable constructed to
                      facilitate the poststratification of the NMES
                      and HIPS sampling weights by race and ethnicity,
                      considering three mutually exclusive
                      classifications:  Hispanic, Black--non-Hispanic,
                      and white or other.

     RACE6            An edited variable indicating race.  Less than
                      0.2 percent of cases were edited.

     RATIMAIN         A constructed variable on File 1 indicating the
                      ratio of FUNDMANX to ENRLMANX.   This variable
                      contains valid values when FUNDMANX and ENRLMANX
                      are suppressed for reasons of confidentiality.

     RATOVR65         Constructed variables on File 1 created for
     RATUND65         reasons of confidentiality.  The ratios
     RATRETIR         were created using unedited data.  RATOVR65
                      represents the ratio of the number of covered
                      retirees age 65 and older to the number of
                      covered employees.  RATRETIR indicates the ratio
                      of the number of covered retirees to the number
                      of covered employees.  RATUND65 measures the
                      ratio of the number of covered retirees under
                      age 65 to the number of covered employees.

     SLFINIMP         See CONPLANX.

     SPSU             To obtain variance estimates of sample
     STRATUMX         statistics by means of standard statistical
                      programs that use the Taylor series
                      linearization method of variance estimation,
                      variables must be used that denote the strata
                      and primary sampling unit (PSU) within a given
                      strata.  The variables STRATUMX and SPSU are
                      these variables, respectively.  For details on
                      sampling weights and variance estimation, see
                      Section C.6.

     SREGION          Variable indicating the U.S. Census region in
                      which the policyholder resided in Round 1 of the
                      Household Survey.

     SREGION4         Variable indicating the U.S. Census region in
                      which the policyholder resided in Round 4 of the
                      Household Survey.

     STRATUMX         See SPSU.

     TOTALEMP         A constructed variable on File 1 indicating
                      establishment size.  The variable was
                      constructed from edited values for Question 59A
                      in the Employer Questionnaire.  For reasons of
                      confidentiality this variable was capped at
                      10,000.  See Section 3.1.5 for details.

     TOTPREMX         Edited total premiums.  See Sections C.3.1.4 and
                      C.3.2.4 for details.

     TOTUMEM          A constructed variable on File 1 indicating
                      union size.  The variable was constructed from
                      unedited values of Question 48A in the Union
                      Questionnaire.  For reasons of confidentiality
                      this variable was capped at 10,000.

     TYPEX            An edited variable on File 1 indicating whether
                      the policyholder was an employee (active member)
                      of an employer (union) or a retiree (retired
                      member) of an employer (union).  In addition,
                      TYPEX identifies survivors who are policyholders
                      through an employer or union.  The category
                      "Insured through your organization" in the
                      original variable was changed to either employee
                      or retiree using information from the Household
                      Survey.



This page last reviewed: Thursday, January 28, 2016
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