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Payments for Cost Sharing Increasing Rapidly Over Time

This Kaiser Family Foundation analysis finds that for workers covered by their employer’s health plans, out-of-pocket costs including deductibles and coinsurance have been increasing significantly faster than costs paid by insurers, reflecting a decade-long trend toward slightly less generous coverage.

Trends in Employer-Sponsored Insurance Offer and Coverage Rates, 1999-2014

This issue brief uses data from the National Health Interview Survey (NHIS) to examine trends in employer-sponsored health insurance (ESI) for different of individuals and households in the United States. While ESI remains the leading source of coverage for nonelderly people, the percentage covered by an employer plan has declined over the past 15 years. A similar pattern exists with firm offer rates; fewer workers were offered health insurance from their employer in 2014 than in 1999. Families with low and modest incomes have been most affected by these declines.

Visualizing Health Policy: Recent Trends in Employer-Sponsored Health Insurance Premiums

This Visualizing Health Policy infographic charts recent trends in employer-sponsored health insurance premiums. Between 1999 and 2015, premiums increased by 203 percent, outpacing both inflation and workers’ earnings. However, growth of premiums for family coverage slowed toward the end of that time period, from an average of 11 percent a…

Visualizing Health Policy: Recent Trends in Employer-Sponsored Health Insurance Premiums

This Visualizing Health Policy infographic charts recent trends in employer-sponsored health insurance premiums. Between 1999 and 2015, premiums increased by 203 percent, outpacing both inflation and workers’ earnings. However, growth of premiums for family coverage slowed toward the end of that time period, from an average of 11 percent a…

Workplace Wellness Programs Characteristics and Requirements

This issue brief summarizes what’s known about workplace wellness programs offered by employers today and the use of financial incentives to encourage workers to participate. Findings are drawn from the KFF/HRET Annual Employer Health Benefits Survey. In addition, the brief reviews proposed changes by the Equal Employment Opportunity Commission (EEOC) in federal standards governing financial incentives by workplace wellness programs and how these changes might balance the use of incentives against other discrimination and privacy protections.

JAMA Forum: Why the Ruckus Over the Cadillac Plan Tax?

Larry Levitt’s October 2015 post explains the terms of the much-debated Cadillac plan tax, how it is designed to reduce health costs, and how it could end up shifting more costs to workers.

Two Substantive Sides to Debate Over Obamacare’s ‘Cadillac Tax’

In his latest column for The Wall Street Journal’s Think Tank, Drew Altman says the debate about whether to keep or repeal the Cadillac tax is more than a debate between sound policy and good politics, there are strong substantive arguments on both sides. All previous columns by Drew Altman are…

Employer Responsibility Under the Affordable Care Act

The Affordable Care Act does not require businesses to provide health benefits to their workers, but applicable large employers may face penalties if they don’t make affordable coverage available. The Employer Shared Responsibility Provision of the Affordable Care Act penalizes employers who either do not offer coverage or do not offer coverage which meets minimum value and affordability standards. In 2016, these penalties will apply to firms with 50 or more full-time equivalent employees. This flowchart illustrates how those employer responsibilities work.

The Henry J. Kaiser Family Foundation Headquarters: 2400 Sand Hill Road, Menlo Park, CA 94025 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California.