A Comparison of the Availability and Cost of Coverage for Workers in Small Firms and Large Firms: Update from the 2015 Employer Health Benefits Survey

Issue Brief

1. See Exhibit M.2 of the Survey Design and Methods Section of the 2015 Kaiser/HRET Survey of Employer-Sponsored Health Benefits at https://www.kff.org/report-section/ehbs-2015-methodology/

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2. The full report of the 2015 Kaiser/HRET Survey of Employer-Sponsored Health Benefits is available at https://www.kff.org/health-costs/report/2015-employer-health-benefits-survey/

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3. P. Fronstein, EBRI, R. Helman, M. Greenwald & Associates. Small Employers and Health Benefits: Findings from the 2002 Small Employer Health Benefits Survey. EBRI Issue Brief Number 253. January 2003.

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4. See Exhibit 2.14 in the 2012 Kaiser/HRET Survey of Employer-Sponsored Health Benefits at https://www.kff.org/report-section/ehbs-2015-section-two-health-benefits-offer-rates/

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5. See Exhibit 2.6 in the 2015 Kaiser/HRET Survey of Employer-Sponsored Health Benefits at https://www.kff.org/report-section/ehbs-2015-section-two-health-benefits-offer-rates/

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6. See Exhibit 2.8 in the 2015 Kaiser/HRET Survey of Employer-Sponsored Health Benefits at https://www.kff.org/report-section/ehbs-2015-section-two-health-benefits-offer-rates/

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7. Variable hour employees may have a measurement period of up to 12 months before it is determined if they are eligible for benefits.  Employers may require a cumulative service requirement of 1,200 hours before an employee may enroll.  Federal Register.  Vol. 79, No.36.  February 24, 2014. https://www.federalregister.gov/articles/2014/02/24/2014-03811/ninety-day-waiting-period-limitation

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8. Family coverage is defined as health coverage for a family of four.

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9. See Exhibit 6.7 in the 2015 Kaiser/HRET Survey of Employer-Sponsored Health Benefits at https://www.kff.org/report-section/ehbs-2015-section-six-worker-and-employer-contributions-for-premiums/

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10. For more information on employers and health reform, see: How will the Affordable Care Act affect small businesses and Their Employees? Kaiser Family Foundation. January 2012. https://www.kff.org/health-reform/fact-sheet/explaining-health-reform-how-will-the-affordable-care-act-affect-small-businesses-and-their-employees/

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