Health Insurance/Costs: Employer-Sponsored Insurance

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2007 Kaiser/HRET Annual Employer Health Benefits Survey
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including changes in premiums, employee contributions, cost-sharing policies and other relevant information.

Health Care Costs: A Primer
This primer on health care costs examines the rapid growth in the nation’s health care costs since 1970 and the factors that influence health care spending, including new medical technologies, population changes and changes in disease prevalence. It also examines the impact of health care costs on families, with insurance premiums rising 87 percent between 2000 and 2006, more than four times the growth in wages.

Recent Documents: (102 results)

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Snapshots: Offer Rates for Smaller Establishments by Business Age -- May 2008
This new analysis focuses on how the age of a business influences whether a small establishment offers health insurance coverage to its employees. It is part of the Foundation's online series Snapshots: Health Care Costs.

How Private Health Coverage Works: A Primer – 2008 Update -- April 2008
This primer explains the role and operations of private health coverage in the United States. It discusses the fundamental aims of private coverage and sorts out the complicated web of state and federal regulations that govern it.

Snapshots: Employer Health Insurance Costs and Worker Compensation -- March 2008
This analysis by Kaiser Family Foundation researchers examines employers' payroll and health care costs and examines wide variations in those costs by occupation and firm size. It is part of the Foundation's online series, Snapshots: Health Care Costs.

Snapshots: Wages & Benefits: A Long-Term View -- February 2008
This new analysis examines changes in wages and benefits since the 1960s, and how these break down over time for employers and individuals. It finds that working families may feel the impact of rising health care costs by seeing smaller increases in their paychecks. This snapshot is part of the Foundation’s online series, Snapshots: Health Care Costs.

Women's Health Insurance Coverage Fact Sheet -- December 2007
This updated fact sheet discusses the predominant forms of health insurance coverage for women ages 18 to 64, including coverage rates, benefits, recent coverage trends, and issues related to uninsured women.

Health Insurance Coverage of Women Ages 18 to 64, by State, 2005-2006 -- December 2007
This fact sheet provides state-by-state data on the uninsured rate, as well as rates of private insurance coverage and Medicaid coverage, among women nationally, in the 50 states and the District of Columbia.

2007 Kaiser/HRET Employer Health Benefits Survey -- September 2007

This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including changes in premiums, employee contributions, cost-sharing policies and other relevant information.

Change in Percentage of Families Offered Coverage at Work, 1998-2005 -- July 2007
This Kaiser Family Foundation paper analyzes data from the National Health Interview Survey to assess changes in the percentage of families with workers who are offered health insurance through an employer, broken out by family income.

Changes in Employer-Sponsored Health Insurance Sponsorship, Eligibility, and Participation: 2001 to 2005, Full Report -- January 2007

This report provides a detailed account of how employer-sponsored insurance coverage changed between 2001 and 2005, particularly among employees (i.e., workers who are not self-employed).

2006 Kaiser/Hewitt Retiree Health Benefits Survey -- December 2006
The 2006 Kaiser/Hewitt survey of large businesses that provide retiree health benefits to their workers assesses their evolving responses to the new Medicare drug benefit in 2006. It also looks at the rising costs and changing benefits of retiree health coverage overall in 2006, as well as the outlook for 2007 and beyond.

This new analysis focuses on how the age of a business influences whether a small establishment offers health insurance coverage to its employees. It is part of the Foundation's online series Snapshots: Health Care Costs.

This primer explains the role and operations of private health coverage in the United States. It discusses the fundamental aims of private coverage and sorts out the complicated web of state and federal regulations that govern it.

This analysis by Kaiser Family Foundation researchers examines employers' payroll and health care costs and examines wide variations in those costs by occupation and firm size. It is part of the Foundation's online series, Snapshots: Health Care Costs.

This new analysis examines changes in wages and benefits since the 1960s, and how these break down over time for employers and individuals. It finds that working families may feel the impact of rising health care costs by seeing smaller increases in their paychecks. This snapshot is part of the Foundation’s online series, Snapshots: Health Care Costs.

This updated fact sheet discusses the predominant forms of health insurance coverage for women ages 18 to 64, including coverage rates, benefits, recent coverage trends, and issues related to uninsured women.

This fact sheet provides state-by-state data on the uninsured rate, as well as rates of private insurance coverage and Medicaid coverage, among women nationally, in the 50 states and the District of Columbia.

This Kaiser Family Foundation paper analyzes data from the National Health Interview Survey to assess changes in the percentage of families with workers who are offered health insurance through an employer, broken out by family income.

This report provides a detailed account of how employer-sponsored insurance coverage changed between 2001 and 2005, particularly among employees (i.e., workers who are not self-employed).

The 2006 Kaiser/Hewitt survey of large businesses that provide retiree health benefits to their workers assesses their evolving responses to the new Medicare drug benefit in 2006. It also looks at the rising costs and changing benefits of retiree health coverage overall in 2006, as well as the outlook for 2007 and beyond.

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Health Insurance/Costs: Employer-Sponsored Insurance

Most Americans with health insurance have coverage through employer health plans. The increase in managed care (including HMOs, PPOs, and POS plans) has been dramatic, rising from 27% in 1988 to 93% in 2001. PPOs’ dominance has continued to increase, reaching 48% of covered workers in 2001. HMO enrollment decreased to 23% in 2001, its lowest point since 1993. Conventional fee-for-service enrollment has declined from 73% of total enrollment in 1988 to 7% in 2001.

While nearly all (99%) of large employers offered health benefits in 2001, only about two-thirds (65%) of small firms did so. Even among these small firms – all those under 200 workers – the larger the firm, the more likely it offered coverage in 2001. The share of small firms offering coverage decreased somewhat from 2000 to 2001 but overall has increased from 59% to 65% since 1996. The proportion of large firms providing health benefits has remained close to 100% over this period.