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Annual premiums for employer-sponsored family health coverage reached $20,576 this year, up 5% from last year, with workers on average paying $6,015 toward the cost of their coverage. The average deductible among covered workers in a plan with a general annual deductible is $1,655 for single coverage. Fifty-six percent of small firms and 99% of large firms offer health benefits to at least some of their workers, with an overall offer rate of 57%.
2019 Employer Health Benefit Survey Chartpack Download…
This brief examines the role private insurers play in providing health coverage for Americans today in employer plans and the individual market, as well as in Medicare and Medicaid, and how that would likely change under Medicare-for-all and other proposals.
This analysis looks at the amounts and types of health spending for people with employer-based health insurance who have continuing high health care spending. It finds that, among people with three consecutive years of coverage from a large employer, just 1.3 percent of enrollees accounted for almost 20 percent of overall spending in 2017.
The high cost plan tax (HCPT) sometimes referred to as the Cadillac tax, is an excise tax on the cost of employer health benefit exceeding certain threshold. The HCPT provides a powerful incentive to control health plans costs over time, whether through efficiency gains or shifts in costs to workers. While many employers do not expect that the tax will take effect in 2022, others are already amending their health programs in anticipation. We estimate if the tax takes effect in 2022, 21% will be subject to the tax, increasing to 37% by 2030 unless firms reduce costs. Larger shares would be affected when counting workers' voluntary contributions to Flexible Spending Accounts (FSAs)
This analysis examines 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.
As deductibles have increased over the past five years, those with higher deductibles are more likely to say that health insurance has gotten worse over the past five years.
This analysis examines how health insurance deductibles are affecting consumers with employer-sponsored insurance. Deductibles have risen in recent years and become an increasingly prominent feature of job-based health plans. "Deductible Relief Day" refers to the date by which average spending for people with employer-sponsored health insurance is sufficient to satisfy the average deductible.
KFF analysis of Healthcare.gov data from marketplace plans on the federal insurance exchanges shows that despite the changes to the Affordable Care Act in recent years, deductibles for those with low incomes have remained relatively stable since 2017.
Our analysis of CMS data for states that use Healthcare.gov insurance exchanges revealed that marketplace premium changes vary dramatically state-to-state in 2019.
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