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Kaiser/HRET Releases 2010 Survey of Employer-Sponsored Health Benefits

Tax

By Ron Kramer

On September 2, 2010, The Kaiser Family Foundation (Kaiser) and the Health Research and Education Trust (HRET) issued its 2010 Survey of employer – sponsored health benefits. The survey is based on findings from a telephone survey of 2,046 randomly selected public and private employers with three or more employees. The survey was conducted from January through May 2010, and is the 12th annual survey published by Kaiser/HRET.

The key findings of the survey noted increases in the average single and family premium as well as in the amount workers pay for coverage. The survey summary also indicates that many firms increased cost sharing or reduced the scope of coverage, and increased the amount workers pay for insurance as a result of the economic downturn.

Some of the specific findings of the survey include the following:

>Average annual premiums for employer-provided health insurance

 

2010

2009

 
Single Coverage

$ 5,049

$ 4,824

5% higher

Family Coverage

$13, 770

$13,375

3% higher

>Since 2000, average premiums for family coverage have increased 114% (see Exhibit below)

>Covered workers share of total premiums 
 

2010

2009

Single Coverage    
%

19%

17%

$ Amount

$ 899

$ 779

Family Coverage    
%

30%

27%

$ Amount

$ 3,997

$ 3,515

>27% of covered workers have a deductible of at least $1,000 for single coverage

>Percentage of firms offering health benefits

 

2010

2009

Small Firms (1-199 workers)

               68%

             59%

Large Firms (200 or more workers)

99%

98%

All Firms

69%

60%

>Enrollment by type of plan:
Preferred Provider Plans (PPOs)

58%

Health Maintenance Organizations (HMOs)

19%

High Deductible Health Plans with Savings Option (HDHP/SOs)

    13%*

Point of Service Plans (POS)

8%

Conventional Plans

1% 

*Increased from 8% in 2009


The survey may be a useful tool for a fresh comparison with your company’s health benefit plan. The complete survey can be found on The Kaiser Family Foundation website at www.kff.org.

 

 

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