ITUP’s Summary of the California HealthCare Foundation’s California Employer Health Benefits Survey
|November 18, 2015||Posted by Jeffrey Kho under Blog, Small Business||
- Employer offer rates have declined from 69% to 58% in California from 2000 to 2014 – a slightly better performance than the national average.
- 48% of very small (3-9 employees) California businesses offer coverage; 71% of small (10-49) employers offer coverage; 87% of mid sized (50-199) employers offer coverage; 98% of large (200-999) employers offer coverage and 100% of jumbo (1000+) employers offer coverage.
- 85% of eligible California employees take up coverage – better than the national average of 80%.
- Worker coverage rates have been stable for the past decade except for small business employees where the offer rates fell.
- The average increase in premiums for employees who stayed with the same plan was 6% in 2014; however the average increase for employees who changed plans was 1.7%.
- HMO premiums in California were slightly above the national average for individual employees ($526 vs. $519 per member per month) and slightly below for family coverage. PPO plan premiums were far above the national average for both individual ($659 vs. $518) and family coverage. High deductible plans with a savings option were somewhat above the national average for individuals ($472 vs. $442) and families.
- Worker’s shares of premiums were 17% for individual coverage and 26% for family coverage.
- Only 14% of California employees enrolled in HMOs have a deductible and that deductible averages $1231. 74% of California employees enrolled in PPOs have a deductible and that deductible averages $667. Deductibles are far less common for California employees that their national counterparts. However the incidence of large deductibles has been increasing, particularly among small employer PPO plans.
- 80% of California employees have an HMO option available to them as contrasted with 31% of the nation’s employees. 21% of California employees have a high deductible plan with a savings option available to them as compared to 45% of the nation’s employees.
- 54% of California’s employees are enrolled in HMO’s as compared to 13% of their national counterparts. 10% of California’s employees are in high deductible plans with a savings option as compared to 20% of the nation’s employees.
- 30% of California’s employees are in self-insured plans as compared to 61% of their national colleagues.
- 9% of California businesses reduced the scope of covered benefits or increased employee cost sharing in 2014 as compared to 24% in the prior year. Large firms were far more likely (24%) to do so than small firms (8%).
- Only a very small fraction of small businesses were very familiar with SHOP.
Read the full report on the California HealthCare Foundation’s website: http://www.chcf.org/publications/2015/04/employer-health-benefits