Summary of the 2019 Employer Health Benefits Annual Survey

Each year, the Kaiser Family Foundation and the Health Research & Educational Trust conduct a survey to examine employer-sponsored health benefit trends. This article summarizes some of its main points. Request a full summary from Rose Street Advisors for more details.

Plan Enrollment Trends

  • Preferred provider organizations (PPOs)—44% of workers covered
  • HDHP/SOs—30% of workers covered
  • Health maintenance organizations (HMOs)—19% of workers covered
  • Point-of-service (POS) plans— 7% of workers covered

Health Insurance Premiums
The average premium rose 4% for single coverage and 5% for family coverage—around $7,188 and $20,576 respectively.

 

Worker Contributions
In dollar amounts, workers contributed $1,242 and $6,015 toward their premiums for single coverage and family coverage, respectively.

 

Self-funding
Similar to the previous year, 17% of workers with small employers are elected in plans either partially or entirely self-funded, compared to 80% of workers with large employers.

 

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