Each year, the Kaiser Family Foundation and the Health Research & Educational Trust conduct a survey to examine employer-sponsored health benefit trends. This article summarizes some of its main points.
Plan Enrollment Trends
Preferred provider organizations (PPOs)—44% of workers covered
HDHP/SOs—30% of workers covered
Health maintenance organizations (HMOs)—19% of workers covered
Point-of-service (POS) plans—7% of workers covered
Health Insurance Premiums
The average premium rose 4% for single coverage and 5% for family coverage—around $7,188 and $20,576 respectively.
Worker Contributions
In dollar amounts, workers contributed $1,242 and $6,015 toward their premiums for single coverage and family coverage, respectively.
Self-funding
Similar to the previous year, 17% of workers with small employers are elected in plans either partially or entirely self-funded, compared to 80% of workers with large employers.
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