In 2003, workers in all small firms (3-199 workers) pay an average of 34% of the premium for family coverage, compared with 24% for workers in all large firms (200 or more workers) (Exhibit 6.10). Workers in small firms pay an average of $248 per month for family coverage compared to $179 per month paid by workers in large firms (Exhibit 6.4).
Employers in firms with a high percentage of low-wage workers – where 35% or more earn $20,000 or less per year – contribute 36% of the premium for family coverage, compared with 26% of premiums paid by workers in firms with fewer low-wage workers (Exhibit 6.10). Workers in firms with union workers pay a lower share of the premium for family coverage, 21% of the premium, than do workers in firms with no union workers, at 32%.
