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Pulling it Together: Reflections on This Year’s Four Percent Premium Increase

Our 2012 Employer Health Benefits Survey found a 4% increase in premiums this year, continuing the recent trend of moderation in health costs and spending reported in several studies. Double digit increases in premiums were once a common occurrence, but we have not seen any since a 10% increase in…

Section 5: Market Shares of Health Plans

The distribution of enrollment among types of health plans has remained fairly constant over the past several years. The majority of covered workers are enrolled in PPO plans (55%), followed by HMO plans (25%) (Exhibit 5.1). Although annual changes in plan enrollment have been moderate, enrollment in PPO plans has…

Section 11: Retiree Health Benefits

Exhibit 11.1Exhibit 11.4Exhibit 11.2Exhibit 11.5Exhibit 11.3 11 Twenty-eight percent of Medicare beneficiaries receive prescription drug coverage from an employer, a far higher number than receive coverage through a Medicare HMO (15%), Medigap (7%) or Medicaid (10%). Laschober et. al., Health Affairs, February 2002.

2003 Health Insurance Survey – Summary and Chartpack

The 2003 Kaiser Family Foundation Health Insurance Survey examines the public's level of satisfaction with their insurance coverage, their expectations of health insurance, the role of costs and other factors in health insurance decision-making, and attitudes toward employer-sponsored coverage. It also explores people's opinions about several alternative health insurance plans…

Section 6: Employee Contributions for Premiums

Exhibit 6.1Exhibit 6.9Exhibit 6.2Exhibit 6.10Exhibit 6.3Exhibit 6.11Exhibit 6.4Exhibit 6.12Exhibit 6.5Exhibit 6.13Exhibit 6.6Exhibit 6.14Exhibit 6.7Exhibit 6.15Exhibit 6.8 

Grandfathering Explained

The Republican leadership in the House of Representatives recently indicated that it will be seeking to repeal regulations under the Affordable Care Act (ACA) that govern the “grandfathered” status of health plans. As this aspect of the health reform law gets more scrutiny, it may be useful to review some of…

Snapshots: Premiums, Cost-Sharing and Coverage at Public, Private and Non-Profit Firms

There are important differences in the legal organization and mission of different employers in the United States. In addition to collecting information about premiums and employee cost sharing, the 2012 Employer Health Benefits Survey asked respondents to characterize their ownership structure. Respondents were asked to describe their organization as either a “private…

Private Insurance Coverage of Contraception

Insurance coverage of contraceptive services has been the focus of policy attention by state and federal policymakers, as well as in the courts, over the past two decades. This issue brief explains the rules for private insurance coverage of contraceptives at the federal and state level and discusses key issues regarding the provision and coverage of contraception by private insurance plans, including the impact of the Affordable Care Act (ACA).

JAMA Forum: Why the Ruckus Over the Cadillac Plan Tax?

Larry Levitt’s October 2015 post explains the terms of the much-debated Cadillac plan tax, how it is designed to reduce health costs, and how it could end up shifting more costs to workers.