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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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  • How the Loss of Cost-Sharing Subsidy Payments is Affecting 2018 Premiums

    Issue Brief

    This analysis of 32 states and Washington, D.C., tracks data on 2018 Affordable Care Act (ACA) marketplace premium increases that insurers directly attributed to the end of cost-sharing reduction payments, which reimburse insurers for providing marketplace health plans with reduced out-of-pocket costs for lower-income people. Following months of uncertainty, the Trump administration announced on Oct. 12 that the payments would be discontinued immediately, although insurers must still offer the subsidized coverage.

  • ANALYSIS: ACA Marketplace Premiums Rise Substantially in 2018, But Many Will Pay Less for Coverage

    News Release

    Premiums will rise substantially in 2018 Affordable Care Act marketplace plans for states using HealthCare.gov, but in many cases, people receiving premium tax credits will pay less than they did in 2017, a new Kaiser Family Foundation analysis finds. The new analysis includes county-level interactive maps charting premium changes of lowest-cost gold, silver, and bronze plans for consumers with and without premium tax credits in the 2018 HealthCare.gov marketplaces. For people not eligible for tax…

  • One Big Thing People Don’t Know About Single Payer

    From Drew Altman

    In this Axios column, Drew Altman discusses a challenge for single payer which has not received much attention – a large share of the American people do not think they would have to change their current health insurance arrangements if there were a Medicare-for-all style single payer plan.

  • Nearly One in Four Workers are at High Risk of Serious Illness with COVID-19, Posing Challenges for Employers as They Reopen 

    News Release

    A new KFF analysis finds nearly one in four workers (24%) are considered at high risk of serious illness if they get infected by the novel coronavirus, highlighting the challenges that businesses, public offices and other employers face as they move toward reopening. The analysis estimates 37.7 million workers (based on their work status in 2018) are at high risk of serious illness from COVID-19.  This includes 10 million who are at least 65 years…

  • Contraception X Article: Out-of-Pocket Spending for Oral Contraceptives Among Women with Private Insurance Coverage After the Affordable Care Act

    Issue Brief

    In an article for Contraception X, KFF's Brittni Frederiksen, Matthew Rae, and Alina Salganicoff examine large employer plans to identify which types and brands of oral contraceptive pills have the largest shares of oral contraceptive users with out-of-pocket spending and which oral contraceptives have the highest average annual out-of-pocket costs after the ACA covered contraception under it's preventive services provisions.

  • Health Care and the 2020 Presidential Election

    Feature

    This side-by-side comparison examines President Trump’s record and former Vice President Biden’s positions across a wide range of key health issues, including the response to the pandemic, the Affordable Care Act marketplace, Medicaid, Medicare, drug prices, reproductive health, mental health and opioids, immigration and health coverage, and health care costs.

  • When Cost-Sharing Waivers for COVID-19 Treatment Expire for People with Private Insurance Plans

    Feature

    About 88% – nearly nine in ten – enrollees in the individual and fully-insured group markets are covered by plans that have taken action to limit out-of-pocket costs for patients undergoing treatment for COVID-19 since the start of the pandemic. However, after accounting for waivers that have already expired (20%) or are scheduled to expire by the end of September (16%), just over half of enrollees in these plans will still be eligible for waived…

  • New State Fact Sheets Highlight Key Data About Mental Health and Substance Use Needs and Capacity

    News Release

    The COVID-19 pandemic and resulting economic downturn are taking a toll on mental health for many Americans, with large shares of the public saying that related worry and stress is having a negative effect on their mental health. A new KFF analysis and series of state fact sheets examine mental health and substance use disorder needs in the states and capacity to meet residents’ needs prior to the pandemic, which is expected to place additional…

  • Analysis Finds List Prices for COVID-19 Tests Range from $20 to $850 At Large Hospitals Nationwide

    News Release

    A new KFF analysis of what large hospitals nationwide charge for out-of-network COVID-19 tests show a wide range of publicly posted prices -- from $20 to $850 for a single test. In many cases, the prices exceed what Medicare pays for COVID testing, which is either $51 or $100 depending on the test. Federal law now requires private insurers, Medicare and Medicaid to cover COVID-19 tests without any cost to the patient and provides funding…