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Recent Trends in Employer-Sponsored Health Insurance Premiums

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Recent Trends in Employer-Sponsored Health Insurance Premiums

  1. 1. 11% 5% 5% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 1999 to 2005 2005 to 2010 2010 to 2015 SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2015 Average Annual Premium Increases for Family Coverage, 1999-2015
  2. 2. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015. Average Premiums Increased by Four Percent between 2014 and 2015 $1,081 $1,071 $4,823 $4,955 $4,944 $5,179 $12,011 $12,591 2014 2015 2014 2015 Employer Contribution Worker Contribution $16,834 $17,545 $6,025 $6,251 Single Coverage Family Coverage 4% 4%
  3. 3. Cumulative Increases in Health Insurance Premiums, Workers’ Contributions to Premiums, Inflation, and Workers’ Earnings, 1999-2015 75% 158% 221% 88% 138% 203% 20% 42% 56% 17% 31% 42% 0% 50% 100% 150% 200% 250% 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Workers' Contribution to Family Premiums Health Insurance Premiums for Family Coverage Workers' Earnings Overall Inflation SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2015. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1999-2015; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2015 (April to April).
  4. 4. Cumulative Increases in Health Insurance Premiums, General Annual Deductibles, and Workers’ Earnings, 2006-2015 67% 24% 10% 0% 10% 20% 30% 40% 50% 60% 70% 80% 2010 2011 2012 2013 2014 2015 Single Coverage Deductibles Single Coverage Premiums Workers' Earnings NOTE: Average general annual deductible is among all covered workers. Workers in plans without a general annual deductible for in-network services are assigned a value of zero. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2015. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 2006-2014; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 2006-2015 (April to April).
  5. 5. 4% 6% 12% 16% 19% 18% 12% 7% 8% 0% 10% 20% 30% 40% 50% Less Than $10,000 $10,000 - $11,999 $12,000- $13,999 $14,000- $15,999 $16,000- $17,999 $18,000- $19,999 $20,000- $21,999 $22,000- $23,999 $24,000 or More SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015. Distribution of Annual Premiums for Covered Workers with Family Coverage, 2015 Average: $17,545 Percentage of Covered Workers:
  6. 6. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015. Among Firms Offering Health Benefits, Percentage of Firms That Have Taken Various Actions in Anticipation of the Excise Tax on High- Cost Plans, by Firm Size, 2015 17% 7% 8% 2% 71% 53% 13% 8% 6% 38% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Conducted an analysis to determine if plans will exceed limits Made changes to plan’s coverage or cost sharing to avoid exceeding limits Switched to a lower cost plan Other None of these All Small Firms (3 to 199 More Workers) All Large Firms (200 or More Workers)

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