How much U.S. households with employer insurance spend on premiums and out-of-pocket costs: a state-by-state look
- Collection:
- Health Policy and Services Research
- Series Title(s):
- Data brief (Commonwealth Fund)
- Author(s):
- Hayes, Susan L., author Collins, Sara R., author Radley, David C., author
- Contributor(s):
- Commonwealth Fund, issuing body.
- Publication:
- [New York, N.Y.] : The Commonwealth Fund, May 2019
- Language(s):
- English
- Format:
- Text
- Subject(s):
- Financing, Personal Health Benefit Plans, Employee Health Expenditures -- statistics & numerical data Deductibles and Coinsurance Demography Income State Government Humans United States
- Genre(s):
- Technical Report
- Abstract:
- In the years since the Affordable Care Act (ACA) took effect, public debate over the cost and quality of insurance has focused primarily on health plans sold through the marketplaces established by the law. There has been less attention on the 158 million Americans who have employer-based coverage. Faced with rising premiums, U.S. employers are sharing more of their costs with their workers, particularly through higher deductibles, copayments, and coinsurance. Recent research indicates that employer plan premium contributions and out-of-pocket costs, like those for prescription drugs, are eating up an increasing portion of household budgets. In this brief, we use findings from the Current Population Survey (CPS), a federal survey of households, to report on the amounts that workers under age 65 and their dependents spent on premium contributions for their employer coverage and on out-of-pocket costs for health care. We also report on the percentage of people in each state who faced premium contributions or out-of-pocket expenses that were high relative to their income in 2016–2017 (see "Definitions" box). This brief complements an earlier Commonwealth Fund state-level analysis of the size of employee premium contributions and deductibles reported by employers. The previous report looked at what workers were at risk of spending out of pocket to meet their deductibles when they used their insurance.3 This brief examines what workers report actually spending on care for themselves and their families.
- Copyright:
- Reproduced with permission of the copyright holder. Further use of the material is subject to CC BY license. (More information)
- Extent:
- 1 online resource (1 PDF file (17 pages))
- Illustrations:
- Illustrations
- NLM Unique ID:
- 101750775 (See catalog record)
- Permanent Link:
- http://resource.nlm.nih.gov/101750775