The Kaiser spotlight on benefit design examines products offered by 15 organizations, representing 88% of all PDPs. In 2008, as in previous years, only about 10% offer the standard benefit defined by CMS: a $275 deductible, 25% coinsurance up to the $3,216 coverage gap, and catastrophic coverage. Most plans eliminate the deductible and charge flat dollar copayments rather than coinsurance. The copayments reflect three cost-sharing tiers—generic drugs, preferred brand-name drugs, and nonpreferred drugs. Since 2006 most plans have had the three-tier design—69% of plans in 2006 and 74% in 2008. Since 2006 average cost sharing has increased by 29%, or $15.95, for a 30-day supply of nonpreferred drugs and 11%, or $2.99, for preferred brand-name drugs. Cost sharing for generics has remained stable since 2006. These trends reflect stronger financial incentives to switch to generics. The Kaiser spotlight on benefit design notes that in 2007 Part D enrollees paid more, on average, for preferred and nonpreferred drugs than did people in employer-sponsored insurance plans—$29.36 compared with $25 for preferred brands and $63.61 compared with $43 for nonpreferred brands.