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Employer-Sponsored Health Insurance

KFF has conducted this annual survey of private and non-federal public employers with three or more workers since 1999. The survey tracks trends in employer health insurance coverage, the cost of that coverage, and other topical health insurance issues. Findings are based on a nationally representative survey of public and private employers with three or more employees, including those who respond to the full survey and those who indicate only whether or not they provide health coverage. Browse the reports

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  • The Future of Contraceptive Coverage

    Issue Brief

    This issue brief explains the Affordable Care Act's current contraceptive coverage rule, the impact it has had on women, and the state of contraceptive coverage if the rule is eliminated or modified.

  • How Does Where You Work Affect Your Contraceptive Coverage?

    Interactive

    The Affordable Care Act (ACA) requires most private health insurance plans to provide coverage for a broad range of preventive services including FDA approved prescription contraceptives and services for women. Legal challenges and recently issued rules have affected contraceptive coverage for many women.

  • More than 8 in 10 Workers With Spousal Health Benefits Have Access to Same-Sex Spousal Benefits, Analysis Finds

    News Release

    Following two major Supreme Court rulings on same-sex marriage, a new Kaiser Family Foundation data note finds that in 2016, 84 percent of employees who worked at firms offering spousal health benefits also had access to same-sex spousal benefits. Eight percent did not have access, while another 8 percent worked at firms who reported they had not encountered this benefits issue. The data note draws from responses to the Kaiser/Health Research & Educational Trust (Kaiser/HRET)…

  • New Analysis Finds Out-of-Pocket Prescription Drug Spending Decreasing on Average, But More People Spending in Excess of $1,000 a Year

    News Release

    A new Kaiser Family Foundation analysis finds that average annual out-of-pocket prescription drug spending for workers and family members decreased from a recent high of $167 in 2009 to $144 in 2014. Most of the decline in out-of-pocket spending occurred between 2009 and 2012 and is likely due to generic substitution for popular drugs that lost patent protection. The decline in out-of-pocket-spending continued from 2012 to 2014 with nearly two-thirds of the decline during this…

  • Average Annual Workplace Family Health Premiums Rise Modest 3% to $18,142 in 2016; More Workers Enroll in High-Deductible Plans With Savings Option Over Past Two Years

    News Release

      Few Employers Report Changing Workers’ Hours Due to ACA’s Employer Requirements; Those That Do Are More Likely to Shift Workers to Full-Time Status Menlo Park, Calif. – Annual family premiums for employer-sponsored health insurance rose an average of 3 percent to $18,142 this year, a modest increase at a time when workers’ wages (2.5%) and inflation (1.1%) also grew modestly, according to the benchmark Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2016 Employer Health Benefits Survey…

  • Diminishing Offer and Coverage Rates Among Private Sector Employees

    Issue Brief

    This brief examines long-term trends in health insurance offer and enrollment rates in private sector establishments, broken out by size of firm. It finds the percentage of workers in private-sector businesses who work in firms that offer health benefits and who are eligible for those benefits has been falling for many years, as has the percentage of workers covered by health insurance in their own firm. These declines have been particularly large for workers in…

  • 2016 Employer Health Benefits Survey

    Report

    This annual Employer Health Benefits Survey (EHBS) provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information. The 2016 EHBS survey finds average family health premiums rose 3 percent in 2016, relatively modest growth by historical standards.