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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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  • Surprise Bills Often Hit in Emergencies

    From Drew Altman

    In an Axios column, Drew Altman previews new data highlighting that people with critical health issues are especially vulnerable to these bills. 

  • Analysis: 4.7 Million Uninsured People Nationally Could Get a No-Premium Bronze Plan in the ACA Marketplace,Though Deductibles Would be High

    News Release

    As the Affordable Care Act’s open enrollment period nears an end in most areas this week, a new KFF analysis finds that 4.7 million currently uninsured people could get a bronze-level plan for 2020 and pay nothing in premiums after factoring in tax credits, though the deductibles would be high. That works out to 28 percent of the 16.7 million uninsured individuals who are potential customers for coverage through ACA marketplaces. Half of the uninsured…

  • Benchmark Employer Survey Finds Average Family Premiums Now Top $20,000

    News Release

    Annual family premiums for employer-sponsored health insurance rose 5% to average $20,576 this year, according to the 2019 benchmark KFF Employer Health Benefits Survey released today. Workers’ wages rose 3.4% and inflation rose 2% over the same period. On average, workers this year are contributing $6,015 toward the cost of family coverage, with employers paying the rest.

  • Poll: Democrats Say They Are Hearing Enough From Presidential Candidates About Medicare-for-All and Expanding Coverage, But Want Them to Talk More about Health Costs and Women’s Health Care

    News Release

    Heading into tonight’s Democratic primary debate, most Democrats and Democratic-leaning independents say the candidates are spending the right amount or too much time talking about ways to provide coverage to more Americans and Medicare-for-all, two topics that have dominated health care discussions in the past three rounds of Democratic debates, the latest KFF Health Tracking Poll finds. In contrast, large shares of Democrats and Democratic-leaning independents say that the presidential candidates are spending too little…

  • Primas y créditos impositivos bajo la Ley de Cuidado de Salud Asequible (ACA) vs el American Health Care Act (AHCA): Mapa Interactivo

    Interactive

    Estos mapas comparan los estimados de los créditos impositivos que los consumidores recibirían para pagar las primas en 2020, por condado, bajo la Ley de Cuidado de Salud Asequible (ACA) con lo que recibirían bajo el proyecto de líderes republicanos del Congreso llamado American Health Care Act (AHCA), que se dio a conocer el 6 de marzo.

  • Why Deductibles Would Rise Under the GOP Health Care Plan

    From Drew Altman

    This inaugural Drew Altman column for Axios examines how the GOP House bill would impact deductibles for people who buy insurance in the non-group market. A KFF analysis for the column shows deductibles in a typical non-group plan would be about $1550 higher under the American Health Care Act compared to the Affordable Care Act.

  • New Analysis Examines Proposed Changes to Workplace Wellness Programs

    News Release

    As Congress considers legislation that would change federal rules governing workplace wellness programs that gather information about workers’ health and risk status, a new Kaiser Family Foundation brief explains how workplace wellness programs could be affected and possible implications for workers with sensitive health conditions. Among the findings: Seven in 10 (71%) large employers providing health benefits collect personal health information through wellness programs, according to the annual Kaiser Family Foundation/HRET Employer Health Benefits Survey.…

  • Analysis: Insurer Financial Indicators Show Signs of Stabilizing After Transition to ACA Marketplaces

    News Release

    A new Kaiser Family Foundation analysis of key insurer financial indicators suggests that the individual insurance market showed signs of stabilizing in 2016, although profitability remained below the level of performance prior to the opening of the Affordable Care Act’s insurance marketplaces. The new analysis tracks insurer financial performance in the individual market through two key indicators: average medical loss ratios (the share of health premiums paid out as claims) and average gross margins per…