Recent Trends in Employer-Sponsored Insurance

1. 72%
34%*
26%*
13%
13%
11%
17%
19%
11%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
1999 to 2004
2004 to 2009
2009 to 2014
Premium Increases
Overall Inflation
Workers' Earnings
* Premium Change is statistically different from previous period shown (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2014. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 2000-2014; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 2000-2014 (April to April).
Average Premium Increases for Covered Workers with Family Coverage, 1999-2014

2. * Estimate is statistically different from estimate for the previous year shown (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2014.
Average Annual Premiums for Single and Family Coverage, 1999-2014
$16,834*
$16,351*
$15,745*
$15,073*
$13,770*
$13,375*
$12,680*
$12,106*
$11,480*
$10,880*
$9,950*
$9,068*
$8,003*
$7,061*
$6,438*
$5,791
$6,025
$5,884*
$5,615*
$5,429*
$5,049*
$4,824
$4,704*
$4,479*
$4,242*
$4,024*
$3,695*
$3,383*
$3,083*
$2,689*
$2,471*
$2,196
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
Single Coverage
Family Coverage

3. $6,472
$4,497
$4,823
$7,706
$13,084
$12,011
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
$20,000
Many Workers are Lower-Wage
Many Workers are Higher-Wage
All Firms
$14,177
$17,582
$16,834
Average Worker and Employer Premium Contributions For Covered Workers at Higher- and Lower-Wage Firms Enrolled in Family Coverage, 2014
*Estimate for many workers are lower-wage is statistically different from estimate for many workers are higher-wage, within coverage type (p<.05).
NOTE: Firms with many lower-wage workers are ones where 35% or more of employees earn $23,000 or less. Firms with many higher-wage workers are ones where 35% or more of employees earn $57,000 or more. Wage cutoffs are the inflation adjusted- 25th and 75th percentile of national wages according to Bureau of Labor Statistics using data from the Occupational Employment Statistics (OES). 1% of covered workers are in firms which are both high income and low income, excluding these firms does not change the estimates or significance testing.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2014. Bureau of Labor Statistics. Occupational Employment Statistics
Available from: http://www.bls.gov/oes/oes_emp.htm#scope
Worker Premium Contribution
Employer Premium Contribution

4. Among Large Firms (200 or More Workers) Offering Health Benefits, The Prevalence of Various Health Promotion Programs, 2014
98%
51%
51%
0%
20%
40%
60%
80%
100%
Offers at least one Wellness
Program~
Firm Offers Biometric
Screening
Firm Provides Employees the
Opportunity to Complete a
Health Risk Assessment
Large Firms (200 or more Workers)
*Percent of firms offering incentives is among firms offering health benefits who also offer the specified health program or activity.
~ Includes the following wellness programs: weight loss programs, biometric screenings, gym membership discounts or on-site exercise facilities, smoking cessation program, lifestyle or behavioral coaching, classes in nutrition or healthy living, web-based resources for healthy living, flu shots or vaccinations, or employee assistance programs (EAP) or a wellness newsletter.
``Biometric screening is a health examination that measures an employee's risk factors such as cholesterol, blood pressure, stress, and nutrition.
‡ A health risk assessment includes questions about medical history, health status, and lifestyle and is designed to identify the health risks of the person being assessed.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2014.

5. Percentage of All Workers Covered by Their Employers’ Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 1999-2014
* Estimate is statistically different from estimate for the previous year shown (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2014.
55%
57%
58%
54%
53%
50%
50%
53%
50%
52%
49%
52%
48%
47%
46%
44%
66%
67%
69%
69%
68%
68%
66%
63%
65%
66%
65%
63%
64%
62%
61%
62%
62%
63%
65%
63%
62%
61%
60%
59%
59%
60%
59%
59%
58%
56%
56%
55%
20%
30%
40%
50%
60%
70%
80%
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
All Small Firms (3-199 Workers)
All Large Firms (200 or More Workers)
ALL FIRMS

6. Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Firm Size, 2006-2014
NOTE: Note: Average general annual health plan deductibles for PPOs, POS plans, and HDHP/SOs are for in-network services.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2014.
$775
$852
$1,124
$1,254
$1,391
$1,537
$1,596
$1,715
$1,797
$496
$519
$553
$640
$686
$757
$875
$884
$971
$584
$616
$735
$826
$917
$991
$1,097
$1,135
$1,217
$-
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
2006
2007
2008
2009
2010
2011
2012
2013
2014
All Small Firms (3-199 Workers)
All Large Firms (200 or More Workers)
ALL FIRMS