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  1. Article ; Online: Health Benefits In 2023: Premiums Increase With Inflation And Employer Coverage In The Wake Of

    Claxton, Gary / Rae, Matthew / Damico, Anthony / Wager, Emma / Winger, Aubrey / Long, Michelle

    Health affairs (Project Hope)

    2023  Volume 42, Issue 11, Page(s) 1606–1615

    Abstract: In 2023 the average annual premium for employer-sponsored family health insurance coverage was $23,968-an increase of $1,505 (7 percent) from 2022. Both single and family premiums increased faster in 2023 than in 2022, in a period of generally high ... ...

    Abstract In 2023 the average annual premium for employer-sponsored family health insurance coverage was $23,968-an increase of $1,505 (7 percent) from 2022. Both single and family premiums increased faster in 2023 than in 2022, in a period of generally high inflation throughout the US economy. On average, covered workers contributed 17 percent ($1,401) of the cost of single coverage and 29 percent ($6,575) of the cost of family coverage. When compared to employers' perceptions of the number of primary care providers in their networks, a smaller share of employers believed that their provider networks had a sufficient number of mental health and substance abuse providers to provide timely access to services. One-quarter of employers indicated that their employees had a "high" level of concern with the level of cost sharing required by their plans. When asked about abortion coverage in the wake of the Supreme Court
    MeSH term(s) Humans ; United States ; Health Benefit Plans, Employee ; Insurance Coverage ; Cost Sharing
    Language English
    Publishing date 2023-10-18
    Publishing country United States
    Document type Journal Article
    ZDB-ID 632712-6
    ISSN 1544-5208 ; 0278-2715
    ISSN (online) 1544-5208
    ISSN 0278-2715
    DOI 10.1377/hlthaff.2023.00996
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  2. Article ; Online: Health Benefits In 2022: Premiums Remain Steady, Many Employers Report Limited Provider Networks For Behavioral Health.

    Claxton, Gary / Rae, Matthew / Damico, Anthony / Wager, Emma / Young, Gregory / Whitmore, Heidi

    Health affairs (Project Hope)

    2022  Volume 41, Issue 11, Page(s) 1670–1680

    Abstract: In 2022 the average annual premium for family health insurance coverage was $22,463, which is similar to the $22,221 reported in 2021. On average, covered workers contributed $1,327 for single coverage and $6,106 for family coverage. Among covered ... ...

    Abstract In 2022 the average annual premium for family health insurance coverage was $22,463, which is similar to the $22,221 reported in 2021. On average, covered workers contributed $1,327 for single coverage and $6,106 for family coverage. Among covered workers enrolled in a plan with a general annual deductible, the average deductible for single coverage was $1,763. Almost half of large employers reported an increase from 2021 in the share of employees using mental health services. The 2022 survey asked employers about the breadth of their provider networks, especially for those using services for mental health and substance use disorders. Employers were less likely to report that their plan with the largest enrollment was very broad for mental health services than for providers overall. Fewer employers thought that their plan had a sufficient number of behavioral health providers versus primary care providers to provide timely access to enrollees.
    MeSH term(s) Humans ; United States ; Health Benefit Plans, Employee ; Insurance Coverage ; Surveys and Questionnaires
    Language English
    Publishing date 2022-10-27
    Publishing country United States
    Document type Journal Article
    ZDB-ID 632712-6
    ISSN 1544-5208 ; 0278-2715
    ISSN (online) 1544-5208
    ISSN 0278-2715
    DOI 10.1377/hlthaff.2022.01139
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  3. Article ; Online: Health Benefits In 2021: Employer Programs Evolving In Response To The COVID-19 Pandemic.

    Claxton, Gary / Rae, Matthew / Damico, Anthony / Young, Gregory / Kurani, Nisha / Whitmore, Heidi

    Health affairs (Project Hope)

    2021  Volume 40, Issue 12, Page(s) 1961–1971

    Abstract: This is the second annual Kaiser Family Foundation Employer Health Benefits Survey released since the beginning of the COVID-19 pandemic. Despite widespread workplace disruption, the key metrics we survey remained fairly stable. Average premiums for ... ...

    Abstract This is the second annual Kaiser Family Foundation Employer Health Benefits Survey released since the beginning of the COVID-19 pandemic. Despite widespread workplace disruption, the key metrics we survey remained fairly stable. Average premiums for single and family coverage each increased 4 percent-the same percentage as seen the prior year. The offer rate (59 percent) and the coverage rate (62 percent) in firms offering coverage were similar to prepandemic levels. Covered workers, on average, contributed 17 percent of the cost for single coverage and 28 percent of the cost for family coverage-also similar to prepandemic levels. At the same time, the pandemic has spurred changes to employer benefits. Employers expanded telemedicine benefits, and many made modifications to extend the scope of these benefits. Many employers also adapted wellness and biometric screening programs to better align with employees working remotely and with changes in how employees seek out health care.
    MeSH term(s) COVID-19 ; Health Benefit Plans, Employee ; Humans ; Insurance Coverage ; Pandemics/prevention & control ; SARS-CoV-2
    Language English
    Publishing date 2021-11-10
    Publishing country United States
    Document type Journal Article
    ZDB-ID 632712-6
    ISSN 1544-5208 ; 0278-2715
    ISSN (online) 1544-5208
    ISSN 0278-2715
    DOI 10.1377/hlthaff.2021.01503
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  4. Book ; Online: How many employers could be affected by the Cadillac plan tax?

    Claxton, Gary / Levitt, Larry

    (Issue brief (Henry J. Kaiser Family Foundation))

    2015  

    Institution United States.
    Henry J. Kaiser Family Foundation,
    Author's details Gary Claxton, Larry Levitt
    Series title Issue brief (Henry J. Kaiser Family Foundation)
    MeSH term(s) Costs and Cost Analysis ; Health Benefit Plans, Employee/economics ; Health Benefit Plans, Employee/legislation & jurisprudence ; Taxes/economics ; Taxes/legislation & jurisprudence ; Humans
    Keywords United States
    Language English
    Size 1 online resource (1 PDF file (8 pages)) :, illustrations.
    Document type Book ; Online
    Note Title from PDF caption.
    Database Catalogue of the US National Library of Medicine (NLM)

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  5. Article ; Online: Health Benefits In 2020: Premiums In Employer-Sponsored Plans Grow 4 Percent; Employers Consider Responses To Pandemic.

    Claxton, Gary / Damico, Anthony / Rae, Matthew / Young, Gregory / McDermott, Daniel / Whitmore, Heidi

    Health affairs (Project Hope)

    2020  Volume 39, Issue 11, Page(s) 2018–2028

    Abstract: The annual Kaiser Family Foundation Employer Health Benefits Survey is the benchmark survey of the cost and coverage of employer-sponsored health benefits in the United States. The 2020 survey was designed and largely fielded before the full extent of ... ...

    Abstract The annual Kaiser Family Foundation Employer Health Benefits Survey is the benchmark survey of the cost and coverage of employer-sponsored health benefits in the United States. The 2020 survey was designed and largely fielded before the full extent of the coronavirus disease 2019 (COVID-19) pandemic had been felt by employers. Data collection took place from mid-January through July, with half of the interviews being completed in the first three months of the year. Most of the key metrics that we measure-including premiums and cost sharing-reflect employers' decisions made before the full impacts of the pandemic were felt. We found that in 2020 the average annual premium for single coverage rose 4 percent, to $7,470, and the average annual premium for family coverage also rose 4 percent, to $21,342. Covered workers, on average, contributed 17 percent of the cost for single coverage and 27 percent of the cost for family coverage. Fifty-six percent of firms offered health benefits to at least some of their workers, and 64 percent of workers were covered at their own firm. Many large employers reported having "very broad" provider networks, but many recognized that their largest plan had a narrower network for mental health providers.
    MeSH term(s) Benchmarking ; COVID-19 ; Coronavirus Infections ; Cost Sharing/statistics & numerical data ; Health Benefit Plans, Employee/organization & administration ; Health Benefit Plans, Employee/statistics & numerical data ; Humans ; Insurance Coverage/statistics & numerical data ; Pandemics ; Pneumonia, Viral ; Surveys and Questionnaires ; United States
    Keywords covid19
    Language English
    Publishing date 2020-10-08
    Publishing country United States
    Document type Journal Article
    ZDB-ID 632712-6
    ISSN 1544-5208 ; 0278-2715
    ISSN (online) 1544-5208
    ISSN 0278-2715
    DOI 10.1377/hlthaff.2020.01569
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  6. Article ; Online: Health Benefits In 2018: Modest Growth In Premiums, Higher Worker Contributions At Firms With More Low-Wage Workers.

    Claxton, Gary / Rae, Matthew / Long, Michelle / Damico, Anthony / Whitmore, Heidi

    Health affairs (Project Hope)

    2018  Volume 37, Issue 11, Page(s) 1892–1900

    Abstract: The annual Henry J. Kaiser Family Foundation Employer Health Benefits Survey found that in 2018 the average annual premium for single coverage rose 3 percent to $6,896 and the average annual premium for family coverage rose 5 percent to $19,616. Covered ... ...

    Abstract The annual Henry J. Kaiser Family Foundation Employer Health Benefits Survey found that in 2018 the average annual premium for single coverage rose 3 percent to $6,896 and the average annual premium for family coverage rose 5 percent to $19,616. Covered workers contributed 18 percent of the cost for single coverage and 29 percent of the cost for family coverage, on average, with considerable variation across firms. Eighty-five percent of covered workers face a general annual deductible before they use most services, including the 29 percent of covered workers who are enrolled in a high-deductible health plan with a savings option. The share of firms covering services provided via telemedicine has increased steadily over the past several years. Nearly a quarter of large employers expect the elimination of the individual mandate to result in lower take-up in plan offerings.
    MeSH term(s) Deductibles and Coinsurance ; Health Benefit Plans, Employee/economics ; Health Benefit Plans, Employee/statistics & numerical data ; Health Expenditures ; Humans ; Insurance Coverage/statistics & numerical data ; Salaries and Fringe Benefits ; Surveys and Questionnaires ; United States
    Language English
    Publishing date 2018-10-03
    Publishing country United States
    Document type Journal Article
    ZDB-ID 632712-6
    ISSN 1544-5208 ; 0278-2715
    ISSN (online) 1544-5208
    ISSN 0278-2715
    DOI 10.1377/hlthaff.2018.1001
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  7. Book ; Online: Patient cost-sharing under the Affordable Care Act

    Claxton, Gary / Levitt, Larry

    (Focus on health reform)

    2012  

    Institution United States.
    Henry J. Kaiser Family Foundation,
    Author's details Henry J. Kaiser Family Foundation
    Series title Focus on health reform
    MeSH term(s) Actuarial Analysis ; Cost Sharing/economics ; Cost Sharing/legislation & jurisprudence ; Health Insurance Exchanges/economics ; Health Insurance Exchanges/legislation & jurisprudence ; Insurance Coverage/economics ; Insurance Coverage/legislation & jurisprudence ; Humans
    Keywords United States
    Language English
    Size 1 online resource (1 PDF file (5 pages)).
    Document type Book ; Online
    Note "April 2012." ; Title from PDF caption. ; "Publication #8303"--P. [5]. ; "This data note was written by Gary Claxton and Larry Levitt of the Kaiser Family Foundation"--P. [5].
    Database Catalogue of the US National Library of Medicine (NLM)

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  8. Book ; Online: Diminishing offer and coverage rates among private sector employees

    Claxton, Gary / Levitt, Larry / Damico, Anthony

    (Issue brief)

    2016  

    Abstract: The recent release of 2015 information from the Insurance Component of the Medical Expenditure Panel Survey (MEPS-IC) shows continuation of the fairly long-term decline in the share of private-sector workers in small firms that are offered coverage and ... ...

    Institution United States.
    Henry J. Kaiser Family Foundation,
    Author's details Gary Claxton, Larry Levitt, Anthony Damico
    Series title Issue brief
    Abstract The recent release of 2015 information from the Insurance Component of the Medical Expenditure Panel Survey (MEPS-IC) shows continuation of the fairly long-term decline in the share of private-sector workers in small firms that are offered coverage and that receive coverage at their job. This is part of a larger, long-term trend that shows a decline among all private-sector workers in the percentage who are covered by their own employer. While many of these workers are able to find coverage from other sources, such as coverage as a dependent through a spouse or through a public program, the decline is a concern because employer-based coverage is by far the largest source of coverage in the U.S., and its diminishing reliability puts more workers at risk of being left without a source of coverage. Workers who are not offered coverage at their job in general are more likely to be uninsured than workers who are. Among workers aged 18 to 64 at private industries, 28 percent of workers without an offer of employer sponsored insurance (ESI) were uninsured compared to only 4 percent of workers with an offer of ESI1. Workers without an offer of ESI are natural beneficiaries of the new coverage options under the Affordable Care Act (ACA), and we find that the rate of uninsurance fell after 2013 among workers in smaller establishments not offered coverage at their job. We use information from multiple years of the MEPS-IC to look at long-term trends in health insurance offer and enrollment rates in private sector establishments, broken out by size of firm. Although MEPS-IC surveys state and local government employers, we have limited this analysis to the private sector since a very large share of governments offer health benefits to their workers. It also is not possible to classify state and local government workers by "firm or establishment size" in the MEPS-IC with available public information. We also use the National Health Interview Survey (NHIS) to look at health insurance status over time. NHIS provides the most current coverage information and it permits us to differentiate workers based on whether or not they were offered coverage at their job. Beginning in 2001, NHIS contains information about the size of the establishment for workers (Generally, "establishment" refers to a business location, while "firm" refers to the whole enterprise and may include multiple locations. See Methods Box for difference between "firm" and "establishment"). Overall, we find from the MEPS-IC that the percentage of workers in private-sector businesses who work in firms that offer health benefits and who are eligible for those benefits ("Share Offered") has been falling for many years, as has the percentage of workers covered by health insurance in their own firm ("Share Covered"). These declines were particularly large for workers in firms with fewer than 50 employees. The NHIS shows that the uninsurance rate for workers in small establishments who are not offered health insurance at work has been consistent and high over many years, but fell when the new ACA coverage options were implemented in 2014. While an improvement in the insurance status for these workers, their rates of uninsurance remains considerably higher than those of workers in small establishments who are offered coverage at their job.
    MeSH term(s) Health Benefit Plans, Employee/statistics & numerical data ; Insurance Coverage/statistics & numerical data ; Forecasting ; Health Benefit Plans, Employee/trends ; Insurance Coverage/trends ; Private Sector ; Small Business ; Humans
    Keywords United States
    Language English
    Size 1 online resource (1 PDF file (8 pages)) :, illustrations.
    Document type Book ; Online
    Database Catalogue of the US National Library of Medicine (NLM)

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  9. Article ; Online: Health Benefits In 2019: Premiums Inch Higher, Employers Respond To Federal Policy.

    Claxton, Gary / Rae, Matthew / Damico, Anthony / Young, Gregory / McDermott, Daniel / Whitmore, Heidi

    Health affairs (Project Hope)

    2019  Volume 38, Issue 10, Page(s) 1752–1761

    Abstract: The annual Kaiser Family Foundation Employer Health Benefits Survey found that in 2019 the average annual premium for single coverage rose 4 percent to $7,188, and the average annual premium for family coverage rose 5 percent to $20,576. Covered workers ... ...

    Abstract The annual Kaiser Family Foundation Employer Health Benefits Survey found that in 2019 the average annual premium for single coverage rose 4 percent to $7,188, and the average annual premium for family coverage rose 5 percent to $20,576. Covered workers contributed 18 percent of the cost for single coverage and 30 percent of the cost for family coverage, on average, with considerable variation across firms. Fifty-seven percent of firms offered health benefits to at least some of their workers. While some larger firms reported that take-up dropped because of the elimination of the individual mandate penalty, the overall share of workers covered at their own firm (61 percent) was similar to that in recent years. Large employers reported taking a variety of steps to address the opioid epidemic over the past few years. Our findings offer some context for the role of health insurance reform in the 2020 election cycle.
    MeSH term(s) Financing, Personal/statistics & numerical data ; Financing, Personal/trends ; Government Regulation ; Health Benefit Plans, Employee/economics ; Health Benefit Plans, Employee/statistics & numerical data ; Health Benefit Plans, Employee/trends ; Humans ; Insurance Coverage/economics ; Insurance Coverage/trends ; Insurance, Health/economics ; Insurance, Health/trends
    Language English
    Publishing date 2019-09-25
    Publishing country United States
    Document type Journal Article
    ZDB-ID 632712-6
    ISSN 1544-5208 ; 0278-2715
    ISSN (online) 1544-5208
    ISSN 0278-2715
    DOI 10.1377/hlthaff.2019.01026
    Database MEDical Literature Analysis and Retrieval System OnLINE

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  10. Book ; Online: Consumer assets and patient cost sharing

    Claxton, Gary / Rae, Matthew / Panchal, Nirmita

    (Issue brief (Henry J. Kaiser Family Foundation))

    2015  

    Institution United States.
    Henry J. Kaiser Family Foundation,
    Author's details Gary Claxton, Matthew Rae, and Nirmita Panchal
    Series title Issue brief (Henry J. Kaiser Family Foundation)
    MeSH term(s) Cost Sharing/statistics & numerical data ; Financing, Personal/statistics & numerical data ; Socioeconomic Factors ; Deductibles and Coinsurance/statistics & numerical data ; Financing, Personal/economics ; Insurance, Health/economics ; Humans
    Keywords United States
    Language English
    Size 1 online resource (1 PDF file (17 pages)) :, illustrations.
    Document type Book ; Online
    Note Title from PDF caption.
    Database Catalogue of the US National Library of Medicine (NLM)

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