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How Employers Support Lower-Waged Workers’ Access to Health Insurance Options

Health insurance makes up 8% of total employee compensation on average, and while most employees take up health insurance when it is offered, lower-wage workers are far less likely to be able to access coverage, according to a new Peterson-KFF Health System Tracker analysis of survey data and focus groups with more than 100 U.S. employers with over a quarter of a million employees.

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

Policy Changes Bring Renewed Focus on High-Deductible Health Plans

Health Insurer Financial Performance in 2024

Examining Short-Term Limited-Duration Health Plans

Health Care Affordability

BTD Health Policy in 2026

Health Policy in 2026

President and CEO Dr. Drew Altman forecasts eight things to look for in health policy in 2026. “First and foremost,” he writes, “is the role health care affordability will play in the midterms.” And, he notes: “The average cost of a family policy for employers could approach $30,000 and cost sharing and deductibles will rise again after plateauing for several years.”

View all of Drew’s Beyond the Data Columns

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  • Potential Costs of Coronavirus Treatment for People with Employer Coverage

    Issue Brief

    As COVID-19 spreads within the United States, questions have arisen over the potential costs people may face if they become severely ill and need treatment. While many large insurers have agreed to waive copayments and deductibles for COVID-19 tests, people with private insurance who face deductibles could still be on the hook for large treatment costs. A new brief examines the potential cost of COVID-19 treatment to employer health plans and their enrollees by looking…

  • Even Supporters May Not Understand Medicare-for-All

    From Drew Altman

    In this Axios column, Drew Altman shows that the majority of supporters don’t know how Medicare-for-all works, with both positive and negative implications for support if they knew more.

  • A Polling Surprise? Americans Rank Unexpected Medical Bills at the Top of Family Budget Worries

    News Release

    When it comes to family budget concerns, unexpected medical bills top Americans’ list of worries, with two-thirds (65%) of the public saying they are at least somewhat worried, including 35% who say they are “very” worried, the latest KFF Health Tracking Poll finds. Fewer Americans say they are at least somewhat worried about seven other potential family expenses, including their health insurance deductible, transportation costs including gas, prescription drug costs, their rent or mortgage, their…

  • A Conversation with Washington Gov. Inslee and Colorado Gov. Polis on the Public Option in Their States

    Event Date:
    Event

    On Friday, Feb. 7, KFF hosted a conversation with Colorado Gov. Jared Polis and Washington State Gov. Jay Inslee about their states’ efforts to establish a public health insurance option and make other changes to address health costs and access. The two governors have made health reforms a key part of their agendas and are seeking to expand access to affordable coverage for their residents through a public option – an approach that some national…

  • Self-insured Companies Do No Better on Cost Control

    From Drew Altman

    A data surprise? Drew Altman, in his latest Axios column, shows there is no difference between large self-insured and fully insured companies when it comes to controlling health care costs, bucking conventional wisdom.

  • The ACA is Doing Fine Without a Mandate Penalty

    From Drew Altman

    In an Axios column, Drew Altman explains that the elimination of the Affordable Care Act’s individual mandate penalty has had little impact on how the ACA’s insurance markets are working, showing that “the marketplaces continue to function, even when 'severed' from the mandate penalty,” and undercutting a central argument in the lawsuit seeking to strike down the entire law.

  • Health Policy in 2020 Will Be Made in the States

    From Drew Altman

    With a questionable outlook for 2020 passage of legislation on prescription drug pricing and surprise medical bills, Drew Altman says the real action to watch in health policy is likely to be in the states.