Premiums and Employee Contributions Amongst Staff Lined by Employer-Sponsored Protection, 1999-2024 | KFF

Since 1999, the Employer Health Benefits Survey has documented tendencies in employer-sponsored medical insurance. Yearly, personal and non-federal public employers with three or extra staff full the survey. Amongst different matters, the survey asks companies for the premium (or full per-person value) of their well being protection, in addition to employee contributions (quantity of the premium that staff pay). The graphing device beneath seems at modifications in premiums and employee contributions over time for lined staff at several types of companies.

Findings from the 2024 survey and supplemental info can be found here. For extra info on the survey methodology, see the Survey Design and Strategies part. For added questions on the Employer Well being Advantages Survey or this device, please go to the Contact Us web page and select “TOPIC: Well being Prices.”

Commonplace Errors (SE): Like in all surveys, each estimate within the Employer Well being Advantages Survey has uncertainty. Estimates for smaller, extra particular teams are inclined to have extra uncertainty. Commonplace Errors (SEs) are a measure of how a lot uncertainty there may be in an estimate. Commonplace errors are utilized in statistical checks to find out whether or not the distinction between two estimates is critical. Typically, even massive variations between two teams usually are not really meaningfully totally different. Commonplace errors can be found for every knowledge level within the “Export Desk Information” obtain hyperlink above.

Not Enough Information (NSD): In circumstances through which there are too few companies in a sub-population to offer an inexpensive estimate and/or defend respondent confidentiality, the abbreviation NSD is used.

Weights: With a purpose to be certain that estimates are nationally consultant, companies are chosen randomly and weights are utilized to every agency’s knowledge. Premium and employee contribution estimates are weighted to the variety of staff lined by well being advantages. These weights are adjusted to the variety of staff in business and agency measurement classes. For extra info, see the Survey Design and Methods part.

Variable Definitions: Household protection refers to a household of 4. Companies providing self-funded or partially self-funded plans bear some or all the monetary threat of masking their staff’ medical claims instantly. These companies usually contract with a third-party administrator or insurer to offer administrative providers for plans. In some circumstances, these employer can also purchase stop-loss protection from a third-party insurer to guard the employer in opposition to having to pay for very massive claims. For extra info on self-funding, see Section 10. Companies providing a number of plan sorts are outlined as self-funded or totally insured based mostly on the traits of their largest plan kind; nevertheless, premiums are calculated as a weighted common of as much as two plan sorts. Due to this fact, the premiums of each self-funded and totally insured plans could also be included within the common premium and employee contribution for some companies.

Trade classifications are based mostly on a agency’s major Commonplace Industrial Classification (SIC) code as decided by Dun and Bradstreet. A agency’s area is set by the situation of its major location, in accordance with the U.S. Census Bureau definitions. Agency possession classifications are reported by the survey participant.

Companies with Many Decrease-Wage or Larger-Wage Staff: Since 2013, thresholds for higher- and lower- wage staff are based mostly on the twenty fifth and seventy fifth percentile of nationwide staff’ earnings as reported by the Bureau of Labor Statistics’ (BLS) Occupational Employment Statistics (OES) (2020). Cutoffs are inflation-adjusted and rounded to the closest thousand. From 2007 to 2012, wage cutoffs are calculated utilizing the now-eliminated Nationwide Compensation Survey. Larger-wage companies are these the place no less than 35% of staff earn greater than the seventy fifth percentile cutoff. Decrease-wage companies are these the place no less than 35% of staff earn lower than the twenty fifth percentile cutoff. To cut back the survey burden on respondents, in some years, the survey instrument solely included questions on higher-wage staff.