Employer and Employee Costs for Various Health Plan Types

1. With the “Cadillac” tax coming in 2018 and fresh data now available, many organizations
that had previously sat out of the HDHP trend may now begin to stand up and pay attention.
If you have questions
regarding your health
care strategy, contact:
William M. Goddard,
CPCU
Principal, Insurance
Advisory Services
314.983.1253
bgoddard@bswllc.com
OR
Ron M. Present,
CNHA, CALA, FACHCA
Partner and Health Care
Industry Group Leader
314.983.1358
rpresent@bswllc.com
Average Employer and Employee Costs
for Various Health Plan Types, 2014
St. Louis, MO
St. Charles, MO
Glen Carbon, IL
Toll-Free 1.888.279.2792
bswllc.com
Plan type
Employer
contribution
for family
coverage
Employee
contribution
for family
coverage Total cost
Employer
contribution
for single
coverage
Employee
contribution
for single
coverage Total cost
HMO $ 12,129 $ 5,254 $ 17,383 $ 5,041 $ 1,182 $ 6,223
PPO $ 12,456 $ 4,877 $ 17,333 $ 5,082 $ 1,134 $ 6,217
POS $ 11,188 $ 4,849 $ 16,037 $ 5,182 $ 984 $ 6,166
HDHP* $ 11,016 $ 4,385 $ 15,401 $ 4,394 $ 905 $ 5,299
All plans $ 12,011 $ 4,823 $ 16,834 $ 4,944 $ 1,081 $ 6,025
* High Deductible Health Plans With Savings Option
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2014
© 2015