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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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  • 2019 Premium Changes on ACA Exchanges

    Issue Brief

    This tracker monitors preliminary 2019 premiums in the Affordable Care Act’s marketplaces as insurers file rate information with state regulators. It shows preliminary premium information in a major city in each available state for the lowest-cost bronze plan and “benchmark” silver plan, which is used to determine the size of the premium tax credits available to low- and moderate-income enrollees. The tracker also shows how those premiums are changing from 2018 and what a 40-year-old…

  • Web Briefing for Media: 2018 Employer Health Benefits Survey

    Event Date:
    Event

    The Kaiser Family Foundation held a reporters-only web briefing on Oct. 3, 2018, to release the 2018 benchmark Employer Health Benefits Survey. This 20th annual survey provides a detailed look at the current state of employer-based coverage and trends in private health insurance for both large and small firms. Key findings examine average premiums for workers and employers and their rate of increase; average deductibles, drug co-payments and other cost sharing; the share of firms…

  • Premiums for Employer-Sponsored Family Health Coverage Rise 5% to Average $19,616; Single Premiums Rise 3% to $6,896  

    News Release

    1 in 5 Large Employers Gather Data from Workers’ Mobile Apps, FitBits or Other Wearable Devices San Francisco, Calif. – Annual family premiums for employer-sponsored health insurance rose 5 percent to average $19,616 this year, extending a seven-year run of moderate increases, finds the 2018 benchmark Kaiser Family Foundation Employer Health Benefits Survey released today. On average, workers this year are contributing $5,547 toward the cost of family coverage, with employers paying the rest. Annual premiums…

  • 2018 Employer Health Benefits Survey

    Report

    Annual premiums for employer-sponsored family health coverage reached $19,616 this year, up 5% from last year, with workers on average paying $5,547 toward the cost of their coverage. The average deductible among covered workers in a plan with a general annual deductible is $1,573 for single coverage. Fifty-six percent of small firms and 98% of large firms offer health benefits to at least some of their workers, with an overall offer rate of 57%.

  • Corporate health costs don’t look like a crisis

    From Drew Altman

    n this Axios column, Drew Altman presents a puzzle around corporate health costs: companies are talking like there is a crisis, but new data doesn’t really show it.

  • New Analysis Maps Prevalence of Pre-Existing Conditions by Metro Area

    News Release

    A new Kaiser Family Foundation analysis maps rates of pre-existing conditions across 129 metropolitan and micropolitan areas in the U.S., finding that even within the same state, the prevalence of such conditions can vary substantially. For example, 34 percent of residents of Florence, South Carolina have a pre-existing condition, but further south in Charleston and Hilton Head, the rate is 24 percent. The share of non-elderly adults with a pre-existing condition ranges from 41 percent…

  • Mapping Pre-existing Conditions across the U.S.

    Issue Brief

    This brief estimates the share of adults with pre-existing conditions by metropolitan and micropolitan statistical area (MMSA), and finds that in some areas, nearly four in ten have so-called declinable medical conditions that could lead to denials of individual insurance coverage based on pre-ACA underwriting guidelines.