Health Insurance/Costs: Employer-Sponsored Insurance

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2009 Kaiser/HRET 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.

Report Examines How Families Affected By Cancer Are Faring in the Recession
This report profiles six cancer patients and survivors and the challenges they face to help gauge how the recession and rising unemployment is affecting workers who are most in need of ongoing medical care. It is a follow up to Spending to Survive: Cancer Patients Confront Holes in the Health Insurance System, released in February.

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Summaries of Coverage Provisions In House and Senate Reform Legislation -- January 2010
These two-page summaries describe the health coverage provisions contained in the House reform legislation as approved on Nov. 7, 2009 and the Senate reform legislation as approved on Dec. 24, 2009.

The COBRA Subsidy and Health Insurance for the Unemployed -- December 2009

This issue brief and related fact sheet examine the workings, potential impact and limitations of temporary subsidies created by the American Recovery and Reinvestment Act of 2009 to help people maintain their employer-sponsored health coverage after a layoff.

Assessing Congressional Budget Office Estimates of the Cost and Coverage Implications of Health Reform Proposals -- November 2009
This issue brief explains key elements of the Congressional Budget Office's estimates of the major health reform bills in Congress and examines the role of the CBO in the health reform debate. Throughout the debate, CBO has analyzed legislation and provided projections of the costs and savings to the federal government associated with the plans over a 10-year period, as well as estimates of how the sources of insurance coverage would change.

Snapshots: Wages & Benefits: A Long-Term View -- November 2009
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 -- October 2009
This fact sheet provides new statistics on health coverage and describes the major sources of health insurance for non-elderly adult women ages 18–64, including employer-sponsored coverage, Medicaid, individually purchased insurance, and Medicare.

Health Insurance Coverage of Women Ages 18 to 64, by State, 2007–2008 -- October 2009
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.

Changes in Health Insurance Coverage, 2007-2008: Early Impact of the Recession -- October 2009

This issue brief examines trends in health insurance coverage from 2007 to 2008, a period marked by the start of a deep recession. It finds that the share of the nonelderly population covered by employer-provided insurance declined, the share covered by public programs increased and the number of uninsured people continued to rise.

2009 Kaiser/HRET Employer Health Benefit Survey -- September 2009
This benchmark 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.

"Pulling it Together": Simple Arithmetic -- September 2009
In his latest essay for "Pulling It Together, From Drew Altman," the Foundation's President and CEO explores how health insurance premiums could rise to $30000 within 10 years and the implications of such an increase.

Health Care and the Middle Class: More Costs and Less Coverage -- July 2009
This analysis paper examines the availability, affordability and stability of the health insurance coverage of the American middle class, defined as those with incomes of $44,000 to $88,000 for a family of four. It also addresses the growing burden of health care costs for the middle class and the adequacy of today's health insurance plans as protection from large medical bills.

These two-page summaries describe the health coverage provisions contained in the House reform legislation as approved on Nov. 7, 2009 and the Senate reform legislation as approved on Dec. 24, 2009.

This issue brief explains key elements of the Congressional Budget Office's estimates of the major health reform bills in Congress and examines the role of the CBO in the health reform debate. Throughout the debate, CBO has analyzed legislation and provided projections of the costs and savings to the federal government associated with the plans over a 10-year period, as well as estimates of how the sources of insurance coverage would change.

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 fact sheet provides new statistics on health coverage and describes the major sources of health insurance for non-elderly adult women ages 18–64, including employer-sponsored coverage, Medicaid, individually purchased insurance, and Medicare.

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 benchmark 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.

In his latest essay for "Pulling It Together, From Drew Altman," the Foundation's President and CEO explores how health insurance premiums could rise to $30000 within 10 years and the implications of such an increase.

This analysis paper examines the availability, affordability and stability of the health insurance coverage of the American middle class, defined as those with incomes of $44,000 to $88,000 for a family of four. It also addresses the growing burden of health care costs for the middle class and the adequacy of today's health insurance plans as protection from large medical bills.

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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.