Policy research to develop, test and evaluate new models of payment reform.
Employer-sponsored insurance is the leading source of health insurance, covering about 150 million non-elderly people in America. To provide current information about the nature of employer-sponsored health benefits, the Kaiser Family Foundation (Kaiser) and the Health Research & Educational Trust conduct an annual national survey of non-federal private and public employers with three or more workers. This is the 13th Kaiser/HRET survey and reflects health benefit information for 2011.
Findings from the 2011 survey, conducted from January through May 2011, highlight employers' experiences with several previously implemented provisions of the 2010 health reform law and increases in the average annual single and family premiums for health insurance. In 2011, premiums for family health coverage increased 9 percent from last year; since 2001, family premiums have increased 113 percent. The 2011 survey finds a continued increase in enrollment in consumer-driven, high-deductible plans. The share of covered workers enrolled in high-deductible health plans doubled over the past two years, from 8 percent in 2009 to 17 percent in 2011.
Maulik Joshi, HRET president and senior vice president for research at the AHA, said survey findings related to early provisions in the Patient Protection and Affordable Care Act “provide valuable insight for employers, providers, consumers and policymakers as they prepare for additional provisions to take effect by 2014.” For example, the survey estimates 2.3 million young adults gained health coverage through their parents' employer-based policies due to an ACA provision allowing the plans to cover children up to age 26. The survey also found that one in four covered workers participate in plans that changed their cost-sharing requirements for preventive services due to the ACA, which requires non-grandfathered plans to provide certain preventive benefits without cost sharing.
The 2011 annual survey included 3,184 randomly selected respondents (2,088 of which responded to the full survey and 1,096 of which responded to a single question about offering coverage).
Funding: Kaiser Family Foundation