This survey explains in detail employee contributions, cost-sharing provisions, premiums and other relevant information about trends in employer-sponsored health coverage. To do so, Kaiser has surveyed nonfederal private and public employers with three or more workers. The following results are different from previous years and worth mentioning: the 2013 survey results show a 5 % increase in premium for single coverage and 4% one for family coverage; the percentage of covered workers enrolled in plan with a general annual deductible has increased to a 78%, and more than half covered workers at small firms have a deductible of at least $1000. The percentage of covered workers enrolled in grandfathered health plans had a 12% decline from 2012 and 20% from 2011; companies that offer health benefits are still offering wellness and health promotion programs (around three in four employers offer at least one wellness program, about half offer one disease management program, and almost one in four offer health risk assessments). Eployers remain committeed to providing wellness programs – 67% of employers believe that wellness programs are effective in controlling health care costs. Overall, there are no major changes in employer-based health benefits; there have only been some modest increases in premiums, and offer rates and coverage haven’t changed significantly. However, more changes are expected in the near future, with the health reform in 2014 and the emergence of new exchanges.
2013 Employer Health Benefits Survey
The Kaiser Family Foundation
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information. The 2013 survey included almost three thousand interviews with non-federal public and private firms.
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 towards the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey.