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The Henry J. Kaiser Family Foundation

Snapshots: Trends in Employer-Sponsored Health Insurance Offer Rates for Workers in Private Businesses

Most Americans receive their health insurance through their own job or the job of a family member; an offer of coverage at work is an important determinant of the likelihood of having private health insurance. This analysis examines the percentage of nonelderly, full-time adult workers (age 18 through 64) in…

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The Henry J. Kaiser Family Foundation

Snapshots: Comparison of Expenditures in Nongroup and Employer-Sponsored Insurance: 2004-2007

Data from the insurance industry and reviews of premiums offered through on-line sellers show that premiums for nongroup health insurance are lower than premiums reported on national surveys for employer-sponsored health insurance (ESI).  This paper uses pooled data from the 2004 through 2007 Medical Expenditure Panel Survey to compare the…

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The Henry J. Kaiser Family Foundation

Snapshots: Effect of Tying Eligibility for Health Insurance Subsidies to the Federal Poverty Level

Considerable attention has been paid in recent years to the rapid growth of health insurance premiums and its impact on coverage affordability. Premium growth has far outpaced growth in workers earnings, which means that workers have to spend more of their income each year on health care to maintain current…

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The Henry J. Kaiser Family Foundation

Snapshots: Insurance Premium Cost-Sharing and Coverage Take-up

One of the many reasons an individual may be uninsured is that she or he decides an employer’s offer of health insurance is too expensive. Several studies have noted the likelihood that a worker will decline an employer’s offer of health insurance increases with the amount he or she is…

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The Henry J. Kaiser Family Foundation

Snapshots: Illustrating the Potential Impacts of Adverse Selection on Health Insurance Costs in Consumer Choice Models

A current strategy for addressing the cost of health insurance involves consumer-directed health plans (CDHPs). These plans generally are less expensive than more traditional health plan designs, but it is not clear whether the lower costs derive entirely from the new benefit structure or whether some of the savings result…

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The Henry J. Kaiser Family Foundation

Snapshots: Comparing Projected Growth in Health Care Expenditures and the Economy

The rising cost of health care is much in the news. Health costs continue to grow faster than national income and, despite research indicating that we the get good value for the increased spending, some policy makers and health analysts question whether governments and private employers can continue to finance…

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The Henry J. Kaiser Family Foundation

Snapshots: Distribution of Out-of-Pocket Spending for Health Care Services

How much people should pay out-of-pocket for health care is a much-debated issue in health policy. New health insurance products with higher out-of-pocket shares are becoming more evident in the private market, and some states are considering ways to increase enrollee financial responsibility in state Medicaid programs.  This paper presents…

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The Flip Side of Higher Premiums: Better Coverage

Time Magazine’s recent cover story on health care – “Bitter Pill” by Steven Brill – has focused attention on hospital prices, especially for people paying out of their own pockets. This is not a new issue, but certainly one that deserves attention. However, what has been lost in the ensuing…

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The Henry J. Kaiser Family Foundation

Testimony: What would strengthen Medicaid Long-Term Services and Supports?

On August 1, 2013, Diane Rowland, Executive Vice President of the Kaiser Family Foundation and Executive Director of the Foundation’s Kaiser Commission on Medicaid and the Uninsured, testified
before the Federal Commission on Long-Term Care about ways in which the Medicaid program could be strengthened to better support low-income individuals with long-term services and supports needs.

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The Henry J. Kaiser Family Foundation

Employer-Sponsored Family Health Premiums Rise a Modest 4 Percent in 2013, National Benchmark Employer Survey Finds

Annual premiums for employer-sponsored family health coverage reached $16,351 this year, up 4 percent from last year, with workers on average paying $4,565 toward the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey. This year’s rise in premiums remains moderate by historical standards. The 15th annual Kaiser/HRET survey of more than 2,000 small and large employers provides a detailed picture of the status and trends in employer-sponsored health insurance costs and coverage.

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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.