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California Employer Health Benefits: Prices Up, Coverage Down

March 13, 2017

Since 2000, the percentage of employers offering health benefits has declined in California and nationwide, although coverage rates among offering firms have remained stable. Only 55% of California firms reported providing health insurance to employees in 2016, down from 69% in 2000. Implementation of the Affordable Care Act (ACA) in 2014 does not appear to have impacted the overall trend in employer offer rates. Nineteen percent of California firms reported that they increased cost sharing in the past year, and 27% of firms reported that they were very or somewhat likely to increase employees' premium contribution in the next year. The prevalence of plans with large deductibles also continues to increase.

Consumer Cost-Sharing in Marketplace vs. Employer Health Insurance Plans, 2015

December 21, 2015

Using data from 49 states and Washington, D.C., we analyzed changes in costsharing under health plans offered to individuals and families through state and federal exchanges from 2014 to 2015. We examined eight vehicles for cost-sharing, including deductibles, copayments, coinsurance, and out-of-pocket limits, and compared findings with cost-sharing under employer-based insurance. We found cost-sharing under marketplace plans remained essentially unchanged from 2014 to 2015. Stable premiums during that period do not reflect greater costs borne by enrollees. Further, 56 percent of enrollees in marketplace plans attained cost-sharing reductions in 2015. However, for people without cost-sharing reductions, average copayments, deductibles, and out-of-pocket limits under catastrophic, bronze, and silver plans are considerably higher than under employerbased plans on average, while cost-sharing under gold plans is similar employer-based plans on average. Marketplace plans are far more likely than employer-based plans to require enrollees to meet deductibles before they receive coverage for prescription drugs.

Decade of Decline: A Survey of Employer Health Insurance Coverage in New York State

November 16, 2010

Presents findings from a survey of New York-based firms on trends in employer-sponsored coverage during the recession, including offer rates, eligibility, take-up, and coverage rates; premiums; employer and employee costs; and support for reform measures.

Employer Health Benefits 2008 Annual Survey

December 1, 2008

Presents annual survey data on the health plans employers offer, including plan types, providers, premiums, coverage, eligibility, enrollment patterns, employee cost-sharing, prescription drug benefits, retiree benefits, and employer opinions.

Retiree Health Benefits After Medicare Part D: A Snapshot of Prescription Drug Coverage

September 16, 2008

Based on employer surveys, assesses how the introduction of the Medicare Part D prescription drug benefit affected employer-based retiree, drug, and other health coverage.