Health Insurance/Costs: Employer-Sponsored Insurance

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2008 Kaiser/HRET Annual Employer Health Benefits Survey
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including changes in premiums, employee contributions, cost-sharing policies and other relevant information.

How Private Health Coverage Works
This primer explains the role and operations of private health coverage in the United States. It discusses the fundamental aims of private coverage and sorts out the complicated web of state and federal regulations that govern it.

Recent Documents: (109 results)

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Health Coverage in an Economic Downturn: Impact of Tight Budgets on Families and States -- November 2008
The economic downturn has strained family finances and led some Americans to cut back on medications and medical care. The Foundation has a number of resources that shed light on how Americans and states are faring and provide background on the uninsured, employer-sponsored health insurance costs, trends in states’ Medicaid enrollment and spending and prior efforts to support the Medicaid program during a slumping economy.

Women's Health Insurance Coverage Fact Sheet -- October 2008
This updated fact sheet discusses the predominant forms of health insurance coverage for women ages 18 to 64, including coverage rates, benefits, recent coverage trends, and issues related to uninsured women.

The Decline in the Uninsured in 2007: Why Did It Happen and Can It Last? -- October 2008

This policy brief examines the underlying shifts in health insurance coverage in 2007 that led to an increase in coverage and projects that the current economic downturn and rising unemployment rate likely will cause the number of uninsured to grow by at least 2 million in 2008.

Snapshots: Health Benefit Offer Rates and Employee Earnings -- October 2008
This analysis finds that across most establishment sizes, the health insurance offer rate increases as the share of workers earning higher wages increases. It is part of the online Snapshots: Health Care Costs series, written by Foundation staff.

Snapshots: Compensation for Workers with and without Access to Health Benefits at Work -- October 2008
This report analyzes the differences in payroll compensation at companies where health benefits are and are not offered. It finds that workers at companies that offer health benefits on average receive more than double the compensation of workers at companies that do. It is part of the online Snapshots: Health Care Costs series, written by Foundation staff.

2008 Kaiser/HRET Employer Health Benefit Survey -- September 2008

This benchmark annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including changes in premiums, employee contributions, cost-sharing policies and other relevant information.

Tax Subsidies for Health Insurance -- July 2008
With policymakers debating potential changes to the tax treatment of health insurance benefit, this issue brief illustrates how families with different incomes are affected by the tax subsidies for private health insurance included in current law.

Pulling It Together: Moving Away From Employer Based Coverage: Don't Forget Public Opinion -- June 2008
In the latest essay from the series "Pulling It Together, from Drew Altman," the Foundation’s President and CEO explores one factor important for the success of any proposal moving away from employment-based health insurance that has not received much attention to date—the public’s willingness to accept such a big change. These public attitudes are examined in the context of very different proposals to move away from an employment-based insurance system offered by both liberals and conservatives.

Kaiser Fast Facts -- May 2008
“Kaiser Fast Facts” features “QuickTakes” and “Kaiser Slides” – two tools that provide direct access to facts, data and slides about the nation's health care system and programs, in an easy-to-use format. “QuickTakes” presents an inventory of facts-at-a-glance and "Kaiser Slides" allows Web visitors to freely view, download and print graphics and tables of health policy statistics and trends.

Snapshots: Offer Rates for Smaller Establishments by Business Age -- May 2008
This new analysis focuses on how the age of a business influences whether a small establishment offers health insurance coverage to its employees. It is part of the Foundation's online series Snapshots: Health Care Costs.

The economic downturn has strained family finances and led some Americans to cut back on medications and medical care. The Foundation has a number of resources that shed light on how Americans and states are faring and provide background on the uninsured, employer-sponsored health insurance costs, trends in states’ Medicaid enrollment and spending and prior efforts to support the Medicaid program during a slumping economy.

This updated fact sheet discusses the predominant forms of health insurance coverage for women ages 18 to 64, including coverage rates, benefits, recent coverage trends, and issues related to uninsured women.

This analysis finds that across most establishment sizes, the health insurance offer rate increases as the share of workers earning higher wages increases. It is part of the online Snapshots: Health Care Costs series, written by Foundation staff.

This report analyzes the differences in payroll compensation at companies where health benefits are and are not offered. It finds that workers at companies that offer health benefits on average receive more than double the compensation of workers at companies that do. It is part of the online Snapshots: Health Care Costs series, written by Foundation staff.

With policymakers debating potential changes to the tax treatment of health insurance benefit, this issue brief illustrates how families with different incomes are affected by the tax subsidies for private health insurance included in current law.

In the latest essay from the series "Pulling It Together, from Drew Altman," the Foundation’s President and CEO explores one factor important for the success of any proposal moving away from employment-based health insurance that has not received much attention to date—the public’s willingness to accept such a big change. These public attitudes are examined in the context of very different proposals to move away from an employment-based insurance system offered by both liberals and conservatives.

“Kaiser Fast Facts” features “QuickTakes” and “Kaiser Slides” – two tools that provide direct access to facts, data and slides about the nation's health care system and programs, in an easy-to-use format. “QuickTakes” presents an inventory of facts-at-a-glance and "Kaiser Slides" allows Web visitors to freely view, download and print graphics and tables of health policy statistics and trends.

This new analysis focuses on how the age of a business influences whether a small establishment offers health insurance coverage to its employees. It is part of the Foundation's online series Snapshots: Health Care Costs.

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Health Insurance/Costs: Employer-Sponsored Insurance

Most Americans with health insurance have coverage through employer health plans. The increase in managed care (including HMOs, PPOs, and POS plans) has been dramatic, rising from 27% in 1988 to 93% in 2001. PPOs’ dominance has continued to increase, reaching 48% of covered workers in 2001. HMO enrollment decreased to 23% in 2001, its lowest point since 1993. Conventional fee-for-service enrollment has declined from 73% of total enrollment in 1988 to 7% in 2001.

While nearly all (99%) of large employers offered health benefits in 2001, only about two-thirds (65%) of small firms did so. Even among these small firms – all those under 200 workers – the larger the firm, the more likely it offered coverage in 2001. The share of small firms offering coverage decreased somewhat from 2000 to 2001 but overall has increased from 59% to 65% since 1996. The proportion of large firms providing health benefits has remained close to 100% over this period.