Filling the need for trusted information on national health issues

Private Insurance

large group
Rise in Premium Contributions and Cost-Sharing for Families with Large Employer Coverage
The cost to families for health coverage and care has risen more than two times faster than wages and three times faster than inflation over the last decade.
health costs
A Look at People Who Have Persistently High Spending on Health Care
Among people with three consecutive years of coverage from a large employer, just 1.3 percent of enrollees accounted for almost 20% of overall spending in 2017.…More
Consumer Protection
An Examination of Surprise Medical Bills and Proposals to Protect Consumers from Them
How often patients get hit with surprise medical bills, what circumstances tend to give rise to them, and what proposals are being considered to protect consumers from this problem? …More

employer coverage statistics

Latest Polling

Annual premiums for employer-sponsored family health coverage reached $19,616 this year, up 5% from last year.

56%

Of small ﬁrms and 98% of large ﬁrms oﬀer health beneﬁts to at least some of their workers, with an overall oﬀer rate of 57%.

55%

Since 2008, average family premiums have increased 55 percent, twice as fast as workers’ earnings (26%) and three times as fast as inflation (17%).

$1.5K

The average deductible among covered workers in a single coverage plan with a general annual deductible.

the essentials

Affordable care act
How ACA Marketplace Premiums Are Changing by County in 2019
Premiums for ACA Marketplace benchmark silver plans are decreasing on average across the U.S. in 2019, but changes vary widely by location and by metal level.
waivers
Tracking Section 1332 State Innovation Waivers
Through Section 1332 of the Affordable Care Act (ACA), states may apply for waivers to alter key ACA requirements in the individual and small group insurance markets.
consumer assistance
Health Insurance Marketplace Calculator
Use this tool to estimate what your premiums and tax credits for 2019 Affordable Care Act marketplace coverage could be based on your zip code, income, family size and age.
interactive
Mapping Pre-existing Conditions Across the U.S.
In some areas, nearly 4 in 10 have so-called declinable medical conditions that could lead to denials of individual insurance coverage based on pre-ACA underwriting guidelines.