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For Low-Income People, Employer Health Coverage is Worse Than ACA

In this Axios column, Drew Altman shows that employer coverage for lower wage workers is much worse than ACA marketplace coverage for similar populations. It’s a bigger problem we need to talk about more, he says.

Perspective Read More

Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2019

This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as for firms with relatively few or many part-time workers, higher- or lower-wage workers, and older or younger workers.

Interactive Read More

Data Note: 2019 Medical Loss Ratio Rebates

We estimate insurers will be issuing a total of at least $1.3 billion in MLR rebates across all markets – exceeding the previous record high of $1.1 billion in 2012, due in part to the record profits insurers made in 2018. The amount varies by market, with insurers reporting at least $743 million in the individual market, $250 million in the small group market, and $284 million in the large group market.

Issue Brief Read More

Poll: Most Democrats Prefer a Presidential Candidate Who Wants to Build on the Affordable Care Act

The latest KFF Health Tracking Poll probes Democrats’ views about the general approaches to expanding health coverage and lowering costs put forward by the candidates. Most Democrats and Democratic-leaning independents (55%) say they prefer a candidate who would build on the Affordable Care Act to achieve those goals. Fewer (40%)…

News Release Read More

ACA Open Enrollment: For Consumers Considering Short-Term Policies

A short fact sheet provides information about short-term health insurance policies and how they differ from ACA-compliant plans. 

Fact Sheet Read More

Why Do Short-Term Health Insurance Plans Have Lower Premiums Than Plans That Comply with the ACA?

Short-term health insurance plans are able to charge premiums 54 percent lower than ACA-compliant plans, by excluding pre-existing conditions and severely limiting benefits.

Issue Brief Read More

Strategies for Improving Health Coverage and Reducing Costs: Major Proposals and Key Considerations

KFF’s Tricia Neuman’s testimony before the U.S. House Committee on Ways and Means on June 12, 2019 describes a range of proposals to broaden health insurance coverage and make health care more affordable, the similarities and differences among them, and the policy choices and trade-offs that could have significant implications for coverage and costs.

Issue Brief Read More

Among People with Employer Coverage, Those with Persistently High Spending for Several Years Averaged Almost $88,000 in Health Spending in 2017    

Among people with three consecutive years of coverage from a large employer, just 1.3 percent of enrollees accounted for 19.5 percent of overall health spending in 2017, finds a new KFF analysis. These “people with persistently high spending” – people in the top five percent of spending in each of…

News Release Read More

Deductible Relief Day: How Rising Deductibles are Affecting People with Employer Coverage

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.

Issue Brief Read More

KFF Health Tracking Poll – April 2019: Surprise Medical Bills and Public’s View of the Supreme Court and Continuing Protections for People With Pre-Existing Conditions

The April 2019 KFF Health Tracking Poll examines the public’s position on the future of ACA and its protections for people with pre-existing medical conditions, in light of the ongoing legal battle which may end up in the Supreme Court. With lawmakers proposing legislation to address surprise medical bills, this month’s survey also measures the public’s support for federal government action to protect patients from having to pay the cost incurred from an inadvertent out-of-network provider.

Poll Finding Read More

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.