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What Are the Recent Trends in Employer-Based Health Coverage?

Employer-sponsored health insurance is the largest source of health coverage for people under 65. This analysis examines who among people under 65 have employer coverage and which workers are offered and eligible for coverage at their jobs, using the Annual Economic and Social (March) Supplements of the Current Population Survey.

Employer sponsored health insurance

Promotional image for KFF video The True Cost of Employer-Sponsored Health Insurance

Video: What Your Employer-Based Health Coverage Really Costs

More people get health coverage through their job than from any other source. The deduction workers see in each paycheck for their share of the premium is only a fraction of the total cost. In this video, KFF’s Matt Rae unpacks the full cost of employer-sponsored insurance and why it may be the biggest health care affordability story hiding in plain sight.

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  • Health Care Costs Survey – Toplines

    Poll Finding

    This document includes the toplines from the joint USA Today/Kaiser/Harvard School of Public Health survey exploring Americans’ views on health care costs. Survey Toplines (.pdf)

  • Uniform Coverage Summaries for Consumers

    Issue Brief

    This brief explains the proposed federal rule that requires private health plans to provide a short, easy-to-read uniform summary of benefits and coverage to all health insurance applicants and enrollees. The rule, which implements a provision in the Affordable Care Act (ACA), is intended to make it simpler for consumers to compare health plans before they enroll and understand their coverage once they are enrolled. Currently, consumers in employer-sponsored plans receive summaries of their benefits,…

  • An analysis of out-of-network claims in large employer health plans

    Issue Brief

    A new Kaiser Family Foundation brief examines out-of-network claims in large employer plans, and finds that a significant share of inpatient hospital admissions includes bills from out-of-network providers, often leaving patients exposed to "surprise medical bills" and high out-of-pocket costs. The analysis of part of the Peterson-Kaiser Health System Tracker, an online information hub dedicated to monitoring and assessing the performance of the U.S. health system.

  • Using Payment to Promote Better Medicaid Managed Care for People with AIDS

    Report

    This paper suggests methods of financing managed care for people with HIV or AIDS. Note: This publication is no longer in circulation. However, a few copies may still exist in the Foundation's internal library that could be xeroxed. Please email order@kff.org if you would like to pursue this option.

  • Explaining Health Care Reform: Questions About the Extension of Dependent Coverage to Age 26

    Issue Brief

    The new health reform law requires private health insurers that offer dependent coverage to children to allow young adults up to age 26 to remain on their parent's insurance plan. This provision is among the first in the reform law to take effect, and it increases the availability of insurance to a population that currently has a high uninsured rate. This short summary answers basic questions about the dependent coverage expansion and explains how the…

  • Kaiser Health Poll Report Selected Findings on 2006 State of the Union Address and Health Care

    Poll Finding

    A new poll from the Kaiser Family Foundation examines what the public took away from President Bush's State of the Union address, finding that the health messages in the speech have yet to register with most Americans. Despite extensive news coverage both before and after the speech giving information about the President's proposals for expanding the use of Health Savings Accounts (HSAs), seventy-one percent of adults have not heard the term "health savings account." Survey…

  • Peering Into the Black Box of Insurance Rating

    Perspective

    Recently, the New York Times reported that private health insurers continue to seek large premium increases despite seeing lower than expected use of medical care and booking record profits. The story highlights a significant problem for health policy: the lack of good, public information about how health insurers manage health care use and what they pay for medical services. As a nation, we rely on competition among largely private health plans to ensure that health…

  • Who Will be the H&R Block and TurboTax for Health Insurance?

    Perspective

    There's been quite a bit of focus lately insofar as these issues go, anyway on health insurance agents and brokers (sometimes known in the industry as "producers"). They are pushing legislation that has been introduced in Congress and is now being studied by the National Association of Insurance Commissioners that would exempt agent and broker commissions for health insurance from minimum medical loss ratio (MLR) thresholds established in the health reform law. (The MLR is…

  • A Consumer Guide to Handling Disputes with Your Employer or Private Health Plan

    Report

    Most people get their health care through some form of managed care plan – a health maintenance organization, preferred provider organization, or point-of-service option. Most of the time, people receive the care they need, but the potential exists for disagreements over the services that will be provided or paid for by health plans. Health plans are required to follow state and federal rules for handling their enrollee’s complaints and appeals inside the health plan, known…

  • The Flip Side of Higher Premiums: Better Coverage

    Perspective

    Time Magazine's recent cover story on health care – "Bitter Pill" by Steven Brill – has focused attention on hospital prices, especially for people paying out of their own pockets. This is not a new issue, but certainly one that deserves attention. However, what has been lost in the ensuing commentary on high hospital prices is that Brill’s article is as much about inadequate insurance, which is the reason why the patients he writes about…