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ITUP’s Summary of the Kaiser Family Foundation’s National Employer Health Benefits Survey

  • Premiums increased by 4%; offer rates and take up rates did not change; worker’s wages increased by 2% and inflation fell by 0.2% between 2014 and 2015.
  • Some employers (4%) reduced full time workers to part time while others (10%) increased part time workers to full time.
  • Workers paid on average 18% of the premiums for single coverage and 29% for family coverage. Small business employees pay a smaller share (15% vs. 19%) of single coverage and a significantly larger share (36% vs. 26%) of family coverage than do the employees of large employers.
  • 52% of covered employees are in PPOs and 24% in high deductible plans with a savings options.
  • Deductibles did not change much year over year, but are significantly higher ($1806 vs. $1105) in small employer than in large employer plans.
  • The percentages of workers in a high deductible plan with a savings option grew from 6% in 2006 to 24% in 2015. The percentages of workers enrolled in a plan with at least a $1000 deductible grew from 10% in 2006 to 46% in 2015.
  • The offer rate for large employers (over 100 employees) was 97% in 2015 as compared to 98% in 1999.
  • The offer rate for mid sized employers (50-100 employees) was 89% in 2015 declining from 96% in 1999.
  • The offer rate for small employers (3-50 employees) was 54% in 2015 declining from 63% in 1999.
  • 23% of large firms offer retiree health benefits.
  • 83% of large firms’ employees are in self-funded plans as compared to 17% of small business employees.
  • 25% of workers are in grandfathered plans.
  • There has been little change in employer plans associated with the implementation of the ACA; long time trends have continued. The Cadillac benefits tax beginning in 2018 could accelerate the search for improved cost efficiency in employer plans as could the return of higher rates of inflation in premiums.

Read the full report on the Kaiser Family Foundation’s website: http://kff.org/health-costs/report/2015-employer-health-benefits-survey/

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