Employer Health Benefits 2005: Exhibit 6.10: Average Percentage of Single and Family Premiums Paid by Covered Workers, by Firm Characteristics, 2005

Employer Health Benefits 2005 Annual Survey

Section 6: Employee Contributions for Premiums: Exhibit 6.10: Average Percentage of Single and Family Premiums Paid by Covered Workers, by Firm Characteristics, 2005

Error in element (see logs)

Exhibit 6.10: Average Percentage of Single and Family Premiums Paid by Covered Workers, by Firm Characteristics, 2005

	Single Coverage	Family Coverage
PERCENT OF WORKFORCE EARNING $20,000 OR LESS PER YEAR
Less Than 35% (Higher Wage Firms)	15%	25%
35% or More (Lower Wage Firms)	20*	36*
PLAN FUNDING
Self-Funded	16%	32%*
Fully Insured	16	21*
UNION
Firm Has At Least Some Union Workers	15%	21%*
Firm Does Not Have Any Union Workers	17	29*
ALL FIRMS	16%	26%

*	Estimates are significantly different from All Firms at p<.05.

	Self-funded plan: An insurance arrangement in which the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan.

	Note: Family coverage is defined as health coverage for a family of four.

	Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005.

	For more information regarding survey methodology, click here to view the Survey Design and Methods section.

The Kaiser Family Foundation and Health Research and Educational Trust
Program Area: Health Care Marketplace Project | Publication Date: 09/14/2005