This document summarizes statistics from surveys of employer-sponsored health insurance in the United States between 1999-2012. Some key findings include:
- Health insurance premiums and workers' contributions to premiums increased substantially more than inflation and earnings over this period.
- Premiums and workers' contributions increased more between 2002-2007 than 2007-2012.
- Premiums and deductibles were higher on average for family coverage than single coverage, and higher at small firms than large firms.
- Lower-wage firms had lower eligibility, take-up and coverage rates than higher-wage firms. They also had higher deductibles.
Employer-sponsored insurance is the leading source of health insurance in America, covering about 149 million non-elderly people. To provide current information about the nature of employer-sponsored health benefits, the Kaiser Family Foundation (Kaiser) and the Health Research & Educational Trust (HRET) conduct an annual national survey of nonfederal private and public employers with three or more workers. This is the fourteenth Kaiser/HRET survey and reflects health benefitinformation for 2012.
The key findings from the survey,conducted from January through May 2012, include modest increases in the average single and family insurance premiums and little change in the premium contributions and cost sharing that workers face since last year. Enrollment in high deductible plans with a savings option, such as a health savings account or health reimbursement arrangement, did not increase significantly over the
previous year for the first time since 2009. The share of workers in a grandfathered
health plan decreased significantly from the previous year to 48% of covered
workers. Approximately 2.9 million adult children who were previously not eligible
for benefits now have health insurance coverage through their parents due to
the Affordable Care Act. In addition, the 2012 survey includes questions on
employer wellness programs, including the percentage of plans with financial rewards
or penalties for completing health programs or achieving biometric targets.
Authors: • Claxton G, Rae M, Panchal N, Damico A, Whitmore H, Bostick N, Kenward K
This document summarizes key findings from an employer health benefit survey conducted between 1999-2013. It shows that between 1999-2013, health insurance premiums and workers' contributions to premiums increased substantially more than inflation and earnings. The percentage of firms offering health benefits decreased among small firms but remained steady among large firms. Most covered workers were enrolled in PPO plans by 2013.
Kaiser Family Foundation/ Health Research & Educational Trust 2013 Employer H...Nathan (Andy) Bostick
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information. The 2013 survey included almost three thousand interviews with non-federal public and private firms.
Annual premiums for employer-sponsored family health coverage reached $16,351 this year, up 4 percent from last year, with workers on average paying $4,565 towards the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey.
Authors: • Claxton G, Rae M, Panchal N, Damico A, Whitmore H, Bostick N, Kenward K
National survey of employer sponsored health plans core presentationAnn Gargis
Mercer’s 2018 National Survey of Employer-Sponsored Health Plans, now in its 33rd year, is available now. The survey has long been a preeminent source of timely, reliable health benefit information, used by employers, policymakers, the health care industry and the media. Unlike other surveys conducted by benefit professionals, Mercer’s survey is statistically representative of all U.S. health plan sponsors with 10 or more employees – which means we can provide benchmark data for employer groups based on industry, size and location. And unlike government or think-tank surveys, the Mercer survey is focused squarely on the strategic issues that matter most to employer health plan sponsors.
•Most participants – Over 2,400 employers participated in 2018, far more than most other health benefits survey.
•Highest standards – The survey uses scientific sampling and weighting methodologies.
•Sharpest focus – Mercer’s health benefit experts frame the questions so you get the data you need.
This research will find the gender pay gap in financial and insurance industries in Australia. It will not only benefit the domain of gender pay gap but it will also help in addressing alternative options that will help sideline this essential business issue.
The document discusses healthcare reform and its potential repeal. It notes that while repeal seems out of reach currently, many aspects of the law have already taken effect. These include eliminating pre-existing condition exclusions for children, covering dependents until age 26, and minimum loss ratios for insurance companies. The document also discusses the costs and implementation of state health insurance exchanges. It provides the perspective of the author who has advised on the impacts of healthcare reform.
Workers remain uneasy about their financial security and retirement. While employee satisfaction with finances has increased since the financial crisis, retirement confidence remains below pre-crisis levels. Many workers worry about affording healthcare costs in retirement. Defined benefit plan participants are more secure about retirement income than those with only defined contribution plans. Despite economic recovery, employees have prioritized reducing debt and spending less.
Employer-sponsored insurance is the leading source of health insurance in America, covering about 149 million non-elderly people. To provide current information about the nature of employer-sponsored health benefits, the Kaiser Family Foundation (Kaiser) and the Health Research & Educational Trust (HRET) conduct an annual national survey of nonfederal private and public employers with three or more workers. This is the fourteenth Kaiser/HRET survey and reflects health benefitinformation for 2012.
The key findings from the survey,conducted from January through May 2012, include modest increases in the average single and family insurance premiums and little change in the premium contributions and cost sharing that workers face since last year. Enrollment in high deductible plans with a savings option, such as a health savings account or health reimbursement arrangement, did not increase significantly over the
previous year for the first time since 2009. The share of workers in a grandfathered
health plan decreased significantly from the previous year to 48% of covered
workers. Approximately 2.9 million adult children who were previously not eligible
for benefits now have health insurance coverage through their parents due to
the Affordable Care Act. In addition, the 2012 survey includes questions on
employer wellness programs, including the percentage of plans with financial rewards
or penalties for completing health programs or achieving biometric targets.
Authors: • Claxton G, Rae M, Panchal N, Damico A, Whitmore H, Bostick N, Kenward K
This document summarizes key findings from an employer health benefit survey conducted between 1999-2013. It shows that between 1999-2013, health insurance premiums and workers' contributions to premiums increased substantially more than inflation and earnings. The percentage of firms offering health benefits decreased among small firms but remained steady among large firms. Most covered workers were enrolled in PPO plans by 2013.
Kaiser Family Foundation/ Health Research & Educational Trust 2013 Employer H...Nathan (Andy) Bostick
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information. The 2013 survey included almost three thousand interviews with non-federal public and private firms.
Annual premiums for employer-sponsored family health coverage reached $16,351 this year, up 4 percent from last year, with workers on average paying $4,565 towards the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey.
Authors: • Claxton G, Rae M, Panchal N, Damico A, Whitmore H, Bostick N, Kenward K
National survey of employer sponsored health plans core presentationAnn Gargis
Mercer’s 2018 National Survey of Employer-Sponsored Health Plans, now in its 33rd year, is available now. The survey has long been a preeminent source of timely, reliable health benefit information, used by employers, policymakers, the health care industry and the media. Unlike other surveys conducted by benefit professionals, Mercer’s survey is statistically representative of all U.S. health plan sponsors with 10 or more employees – which means we can provide benchmark data for employer groups based on industry, size and location. And unlike government or think-tank surveys, the Mercer survey is focused squarely on the strategic issues that matter most to employer health plan sponsors.
•Most participants – Over 2,400 employers participated in 2018, far more than most other health benefits survey.
•Highest standards – The survey uses scientific sampling and weighting methodologies.
•Sharpest focus – Mercer’s health benefit experts frame the questions so you get the data you need.
This research will find the gender pay gap in financial and insurance industries in Australia. It will not only benefit the domain of gender pay gap but it will also help in addressing alternative options that will help sideline this essential business issue.
The document discusses healthcare reform and its potential repeal. It notes that while repeal seems out of reach currently, many aspects of the law have already taken effect. These include eliminating pre-existing condition exclusions for children, covering dependents until age 26, and minimum loss ratios for insurance companies. The document also discusses the costs and implementation of state health insurance exchanges. It provides the perspective of the author who has advised on the impacts of healthcare reform.
Workers remain uneasy about their financial security and retirement. While employee satisfaction with finances has increased since the financial crisis, retirement confidence remains below pre-crisis levels. Many workers worry about affording healthcare costs in retirement. Defined benefit plan participants are more secure about retirement income than those with only defined contribution plans. Despite economic recovery, employees have prioritized reducing debt and spending less.
The document summarizes the key findings from meetings held by the Employers Association of New Jersey with 458 private sector employers representing 41,200 employees. The employers' top concerns were increasing health care costs, maintaining productivity amid cost cutting measures, ensuring an adequately skilled workforce, and funding capital investments. Under the Affordable Care Act, many employers are considering eliminating health insurance coverage due to rising costs and projections that paying penalties may be cheaper. There is uncertainty around how the exchange markets and reforms will impact the business environment and employer-sponsored coverage going forward.
Startup Outlook 2013: The Impact of the Medical Device Tax on US InnovationSilicon Valley Bank
New medical devices improve patient outcomes, reduce costs, create jobs and contribute to a healthier US economy and balance of trade. For nearly a decade, rising regulatory costs, delays and uncertainty have made it harder for medical device companies to succeed. The Medical Device Tax that went into effect on January 1, 2013 is compounding other challenges that threaten US leadership in medical device innovation. This report is based on responses from medical device startups who participated in Silicon Valley Bank’s annual Startup Outlook survey.
This paper develops a forward-looking indicator for macroeconomic uncertainty that employers are confronted with when they take decisions about the size of their workforce. The model that provides the basis for this uncertainty indicator interprets hires and lay-offs of workers as an investment into projects with uncertain return. Employers decide when to undertake this investment. Uncertainty can then be derived as a function of a labour productivity threshold above which it is profitable for employers to hire workers. The measure that is first theoretically derived is then taken to the data. Economy-wide uncertainty for G7 economies and uncertainty by economic sector for the United States are calculated from data on hiring demand and unit labour costs. The resulting quarterly time series demonstrate that in most economies hiring uncertainty went up at the onset of the Great Recession and has remained at an elevated level since then. A panel VAR analysis reveals that hiring uncertainty excercises a significant, economically sizeable and persistent effect on both the output gap and unemployment.
Professional Employer Organizations: Keeping Turnover Low and Survival HighG&A Partners
In the 2013 report, “Professional Employer Organizations: Fueling Small Business Growth,” a comprehensive analysis of existing economic data showed that small businesses in PEO arrangements have higher growth rates than other small
businesses, and small business executives who use PEOs are better able to focus their attention on the core business. In further exploring the impact of PEOs and their potential to help small businesses better meet the challenges of today’s
demanding economic conditions, this follow-up study examines employee turnover and business survival rates for businesses using PEOs and compares them to national data available from the U.S. Bureau of Labor Statistics (BLS). Applying a variety of different data specifications, we consistently found that PEO clients have lower employee turnover rates and lower rates of business failure than comparable national averages, after controlling for factors such as industry, size, and state of location.
This presentation provides information about how CBO estimates the effects of employer matching and default deferral rates on federal employees’ contribution rates to the Thrift Savings Plan and on employers’ costs.
Evaluating Small Group Employer Participation in New Mexico’s State Coverage ...soder145
Presentation by Anna Sommers at the AcademyHealth Annual Research Meeting session, "The Lab Reports: Evaluating State's Actions to Expand Access and Coverage," Chicago, IL, June 30 2009. Also presented at the AcademyHealth adjunct State Health Research and Policy Interest Group meeting panel, "Early Results from the State Health Access Reform Evaluation (SHARE) Program," June 27 2009.
Open Payments-Compliance Exec Summary-Final July 16Andrew Wiles
This document provides an executive summary and analysis of 2015 Open Payments data relating to the Sunshine Act. It summarizes key trends in total payments year-over-year and breaks down payments by category and company. Charts show national fair market rates and top companies by expenditure in different transfer of value categories. The last section describes tools and reports available from WorldDataOnline for further Sunshine Act compliance analysis.
HSW and Attwood Burton - Pay Survey 2013Mark Burton
The survey of over 950 UK health and safety practitioners found:
1) The median annual salary was between £35,000-£37,499, unchanged from 2012.
2) Pay rises over the past year were modest, at a median of 1%, below the overall UK economic increase of 2%.
3) The percentage of respondents facing pay freezes or cuts declined noticeably from the previous year.
The document summarizes the key findings of the 2012 Startup Outlook Survey. Some of the main findings include:
- Technology startups continue to lead the economic recovery, with many exceeding revenue targets in 2011 and being optimistic about 2012.
- Startups expect to hire significantly, with software companies most optimistic. However, hiring expectations varied across sectors.
- While the US is still seen as attractive for innovation and entrepreneurship, foreign markets are seen as more appealing in areas like costs and regulations.
- Access to capital, education, IP protection, and healthcare costs were cited as top policy priorities, but progress was seen as limited or lost in some areas.
Top concerns of business leaders inthe post 2008 economyMichael Russ
The document discusses a survey of 507 business owners and executives at midsized U.S. companies (50-999 employees) regarding their perceptions of and concerns about the economy since 2008. The top concerns are rising health care costs, slow economic growth, and increasing government regulations. While over half feel the economy has improved in the last 4 years, only 15% are confident it will continue to do so. Respondents are more optimistic about their own industries and businesses. Compliance is also an area of concern, as one third reported fines for noncompliance despite high confidence in being compliant. Globalization and competition are increasing pressures as well. Moving forward, respondents plan to focus on assessing growth opportunities and hiring to support business goals
PSYCHOSOCIAL HEALTH AND SAFETY AND BULLYING IN AUSTRALIAN WORKPLACESFlint Wilkes
PSYCHOSOCIAL HEALTH AND SAFETY AND BULLYING IN AUSTRALIAN WORKPLACES
Indicators from ACCEPTED WORKERS’ COMPENSATION CLAIMS
This is the second annual national statement issued by Safe Work Australia to identify emerging trends in psychosocial health and safety and bullying in Australian workplaces.
The information presented in this statement is based
on data from accepted workers’ compensation claims involving mental stress. This mechanism category is assigned to claims when the work-related injury or disease results from the person experiencing mental stress or being exposed to mentally stressing situations.
The prevalence of this type of claim provides a limited indicator for the psychosocial health and safety status of Australian workplaces.
The mental stress code includes a subcategory work-related harassment and/or workplace bullying.
This subcategory is assigned to claims when the employee was a victim of:
• repetitive assault and/or threatened assault by a work colleague or colleagues, or
• repetitive verbal harassment, threats, and abuse from a work colleague or colleagues.
This definition broadly aligns with the nationally accepted definition of workplace bullying of repeated and unreasonable behaviour directed towards a worker or a group of workers that creates a risk to health and safety (Fair Work Act 2009, s.789FD(1)).
Excluded from the analysis as presented in this statement are claims due to sexual or racial harassment. Also excluded are assault cases where the physical injuries were more serious than the mental stress involved in the incident.
This document summarizes the results of a health and safety salary survey conducted in the UK. It finds that over half of respondents felt underpaid, as around half had pay freezes and 8% had pay cuts in the past year. Median pay increases were 0% while inflation was over 3%, meaning most did not get a real pay increase. Higher qualifications correlated with higher pay. The majority of respondents held degrees and affiliations with professional organizations. The private sector dominated responses, with construction most affected by pay freezes and cuts. Feelings of underpayment were consistent across salary levels and sectors.
The document is a letter from the CEO of McKesson to stockholders summarizing the company's financial performance over the past year and three years. It highlights significant revenue and profit growth across key metrics like revenues, operating income, net income and EPS. It also discusses how McKesson is uniquely positioned in the healthcare industry to help address issues of quality and affordability of care through innovative solutions and technologies. The CEO expresses confidence that McKesson is well-positioned for continued growth given market opportunities, its differentiated strategy and strong execution.
The survey found that the majority (80%) of organizations reported their financial health as good or excellent. Over half (57%) saw improvement in financial health compared to the previous year. Larger organizations and those in accommodation/food services and finance reported the best financial health, while educational services and government agencies reported the lowest levels. Around a third of organizations did not lose any staff in the past year, though losses were higher in high-tech. Cost-cutting like budget cuts and layoffs were implemented by around a quarter of organizations, while two-fifths took no such measures. The majority of organizations did hiring across full-time regular, part-time regular, and contract/temporary positions in the past year. Two-
Industry Updates: Academy of Health SciencesNAFCareerAcads
The document provides an overview of employment projections for 2012-2022 from the Bureau of Labor Statistics. It discusses the background and process for developing 10-year national projections for over 800 occupations and 300 industries. Products from the projections, like the Occupational Outlook Handbook, are also highlighted. Key findings from the projections include expected growth in healthcare, professional services, and construction, as well as the occupations and industries with the most new jobs or fastest growth over the period. The presentation concludes with resources for additional information on employment projections.
The document discusses options for increasing health spending as a share of the economy without undermining fiscal sustainability. It notes that health spending is likely to continue growing and put pressure on public budgets unless: value for money is improved, public funds are reallocated from other areas, public health funding efficiency is increased, and more private finance is introduced. The document examines efficiency improvements, reallocating spending toward health, and more sustainable public health financing methods as potential policy options.
Can we still spend more on health without breaking the budget?Boris Azaïs
The document discusses options for increasing health spending as a share of the economy without undermining fiscal sustainability. It suggests improving value for money in health systems through greater efficiency, reallocating public funds towards health from other areas, and allowing more private financing of health. Improving productivity in the health sector through measures like reducing clinical variation could significantly impact debt projections. While new taxes may improve health, they will not be major revenue sources. Countries are unlikely to step back from universal public coverage but boundaries between public and private systems could be debated.
The document discusses trends in global employee engagement based on Aon Hewitt's research from 2008-2010. Some key points:
- The global average employee engagement score dropped from 60% in 2009 to 56% in 2010, the largest decline in 15 years. However, Q4 2010 saw a recovery.
- The top 3 global engagement drivers in 2010 were career opportunities, brand alignment, and recognition.
- Engagement scores decreased the most in Asia-Pacific, Europe, and North America from 2009-2010.
- Companies with high engagement (65%+) outperformed the stock market by 22% while those with low engagement (45%-) underperformed by 28%.
This document summarizes trends in employer-sponsored health insurance coverage between 1999-2014 based on survey data. It finds that premiums and workers' contributions increased substantially more than inflation and earnings over this period. While most firms, especially large firms, offer coverage, the percentage of workers enrolled has declined slightly. Deductibles and other cost-sharing have also increased in recent years.
Recent Trends in Employer-Sponsored Insurance - jama 111114KFF
This document contains various statistics related to health insurance premiums and costs in the United States from 1999-2014. It shows that the average annual premiums for family health insurance coverage increased significantly each year, rising from $6,438 in 1999 to $16,834 in 2014. In contrast, both overall inflation and workers' earnings increased at lower rates over the same time periods. The document also indicates that workers at firms with many lower-wage employees face higher health insurance costs than those at higher-wage firms.
Learn about 2016 trends in government and private healthcare spending, employer costs, and the patient-as-consumer movement that's spurring new provider models.
The document summarizes the key findings from meetings held by the Employers Association of New Jersey with 458 private sector employers representing 41,200 employees. The employers' top concerns were increasing health care costs, maintaining productivity amid cost cutting measures, ensuring an adequately skilled workforce, and funding capital investments. Under the Affordable Care Act, many employers are considering eliminating health insurance coverage due to rising costs and projections that paying penalties may be cheaper. There is uncertainty around how the exchange markets and reforms will impact the business environment and employer-sponsored coverage going forward.
Startup Outlook 2013: The Impact of the Medical Device Tax on US InnovationSilicon Valley Bank
New medical devices improve patient outcomes, reduce costs, create jobs and contribute to a healthier US economy and balance of trade. For nearly a decade, rising regulatory costs, delays and uncertainty have made it harder for medical device companies to succeed. The Medical Device Tax that went into effect on January 1, 2013 is compounding other challenges that threaten US leadership in medical device innovation. This report is based on responses from medical device startups who participated in Silicon Valley Bank’s annual Startup Outlook survey.
This paper develops a forward-looking indicator for macroeconomic uncertainty that employers are confronted with when they take decisions about the size of their workforce. The model that provides the basis for this uncertainty indicator interprets hires and lay-offs of workers as an investment into projects with uncertain return. Employers decide when to undertake this investment. Uncertainty can then be derived as a function of a labour productivity threshold above which it is profitable for employers to hire workers. The measure that is first theoretically derived is then taken to the data. Economy-wide uncertainty for G7 economies and uncertainty by economic sector for the United States are calculated from data on hiring demand and unit labour costs. The resulting quarterly time series demonstrate that in most economies hiring uncertainty went up at the onset of the Great Recession and has remained at an elevated level since then. A panel VAR analysis reveals that hiring uncertainty excercises a significant, economically sizeable and persistent effect on both the output gap and unemployment.
Professional Employer Organizations: Keeping Turnover Low and Survival HighG&A Partners
In the 2013 report, “Professional Employer Organizations: Fueling Small Business Growth,” a comprehensive analysis of existing economic data showed that small businesses in PEO arrangements have higher growth rates than other small
businesses, and small business executives who use PEOs are better able to focus their attention on the core business. In further exploring the impact of PEOs and their potential to help small businesses better meet the challenges of today’s
demanding economic conditions, this follow-up study examines employee turnover and business survival rates for businesses using PEOs and compares them to national data available from the U.S. Bureau of Labor Statistics (BLS). Applying a variety of different data specifications, we consistently found that PEO clients have lower employee turnover rates and lower rates of business failure than comparable national averages, after controlling for factors such as industry, size, and state of location.
This presentation provides information about how CBO estimates the effects of employer matching and default deferral rates on federal employees’ contribution rates to the Thrift Savings Plan and on employers’ costs.
Evaluating Small Group Employer Participation in New Mexico’s State Coverage ...soder145
Presentation by Anna Sommers at the AcademyHealth Annual Research Meeting session, "The Lab Reports: Evaluating State's Actions to Expand Access and Coverage," Chicago, IL, June 30 2009. Also presented at the AcademyHealth adjunct State Health Research and Policy Interest Group meeting panel, "Early Results from the State Health Access Reform Evaluation (SHARE) Program," June 27 2009.
Open Payments-Compliance Exec Summary-Final July 16Andrew Wiles
This document provides an executive summary and analysis of 2015 Open Payments data relating to the Sunshine Act. It summarizes key trends in total payments year-over-year and breaks down payments by category and company. Charts show national fair market rates and top companies by expenditure in different transfer of value categories. The last section describes tools and reports available from WorldDataOnline for further Sunshine Act compliance analysis.
HSW and Attwood Burton - Pay Survey 2013Mark Burton
The survey of over 950 UK health and safety practitioners found:
1) The median annual salary was between £35,000-£37,499, unchanged from 2012.
2) Pay rises over the past year were modest, at a median of 1%, below the overall UK economic increase of 2%.
3) The percentage of respondents facing pay freezes or cuts declined noticeably from the previous year.
The document summarizes the key findings of the 2012 Startup Outlook Survey. Some of the main findings include:
- Technology startups continue to lead the economic recovery, with many exceeding revenue targets in 2011 and being optimistic about 2012.
- Startups expect to hire significantly, with software companies most optimistic. However, hiring expectations varied across sectors.
- While the US is still seen as attractive for innovation and entrepreneurship, foreign markets are seen as more appealing in areas like costs and regulations.
- Access to capital, education, IP protection, and healthcare costs were cited as top policy priorities, but progress was seen as limited or lost in some areas.
Top concerns of business leaders inthe post 2008 economyMichael Russ
The document discusses a survey of 507 business owners and executives at midsized U.S. companies (50-999 employees) regarding their perceptions of and concerns about the economy since 2008. The top concerns are rising health care costs, slow economic growth, and increasing government regulations. While over half feel the economy has improved in the last 4 years, only 15% are confident it will continue to do so. Respondents are more optimistic about their own industries and businesses. Compliance is also an area of concern, as one third reported fines for noncompliance despite high confidence in being compliant. Globalization and competition are increasing pressures as well. Moving forward, respondents plan to focus on assessing growth opportunities and hiring to support business goals
PSYCHOSOCIAL HEALTH AND SAFETY AND BULLYING IN AUSTRALIAN WORKPLACESFlint Wilkes
PSYCHOSOCIAL HEALTH AND SAFETY AND BULLYING IN AUSTRALIAN WORKPLACES
Indicators from ACCEPTED WORKERS’ COMPENSATION CLAIMS
This is the second annual national statement issued by Safe Work Australia to identify emerging trends in psychosocial health and safety and bullying in Australian workplaces.
The information presented in this statement is based
on data from accepted workers’ compensation claims involving mental stress. This mechanism category is assigned to claims when the work-related injury or disease results from the person experiencing mental stress or being exposed to mentally stressing situations.
The prevalence of this type of claim provides a limited indicator for the psychosocial health and safety status of Australian workplaces.
The mental stress code includes a subcategory work-related harassment and/or workplace bullying.
This subcategory is assigned to claims when the employee was a victim of:
• repetitive assault and/or threatened assault by a work colleague or colleagues, or
• repetitive verbal harassment, threats, and abuse from a work colleague or colleagues.
This definition broadly aligns with the nationally accepted definition of workplace bullying of repeated and unreasonable behaviour directed towards a worker or a group of workers that creates a risk to health and safety (Fair Work Act 2009, s.789FD(1)).
Excluded from the analysis as presented in this statement are claims due to sexual or racial harassment. Also excluded are assault cases where the physical injuries were more serious than the mental stress involved in the incident.
This document summarizes the results of a health and safety salary survey conducted in the UK. It finds that over half of respondents felt underpaid, as around half had pay freezes and 8% had pay cuts in the past year. Median pay increases were 0% while inflation was over 3%, meaning most did not get a real pay increase. Higher qualifications correlated with higher pay. The majority of respondents held degrees and affiliations with professional organizations. The private sector dominated responses, with construction most affected by pay freezes and cuts. Feelings of underpayment were consistent across salary levels and sectors.
The document is a letter from the CEO of McKesson to stockholders summarizing the company's financial performance over the past year and three years. It highlights significant revenue and profit growth across key metrics like revenues, operating income, net income and EPS. It also discusses how McKesson is uniquely positioned in the healthcare industry to help address issues of quality and affordability of care through innovative solutions and technologies. The CEO expresses confidence that McKesson is well-positioned for continued growth given market opportunities, its differentiated strategy and strong execution.
The survey found that the majority (80%) of organizations reported their financial health as good or excellent. Over half (57%) saw improvement in financial health compared to the previous year. Larger organizations and those in accommodation/food services and finance reported the best financial health, while educational services and government agencies reported the lowest levels. Around a third of organizations did not lose any staff in the past year, though losses were higher in high-tech. Cost-cutting like budget cuts and layoffs were implemented by around a quarter of organizations, while two-fifths took no such measures. The majority of organizations did hiring across full-time regular, part-time regular, and contract/temporary positions in the past year. Two-
Industry Updates: Academy of Health SciencesNAFCareerAcads
The document provides an overview of employment projections for 2012-2022 from the Bureau of Labor Statistics. It discusses the background and process for developing 10-year national projections for over 800 occupations and 300 industries. Products from the projections, like the Occupational Outlook Handbook, are also highlighted. Key findings from the projections include expected growth in healthcare, professional services, and construction, as well as the occupations and industries with the most new jobs or fastest growth over the period. The presentation concludes with resources for additional information on employment projections.
The document discusses options for increasing health spending as a share of the economy without undermining fiscal sustainability. It notes that health spending is likely to continue growing and put pressure on public budgets unless: value for money is improved, public funds are reallocated from other areas, public health funding efficiency is increased, and more private finance is introduced. The document examines efficiency improvements, reallocating spending toward health, and more sustainable public health financing methods as potential policy options.
Can we still spend more on health without breaking the budget?Boris Azaïs
The document discusses options for increasing health spending as a share of the economy without undermining fiscal sustainability. It suggests improving value for money in health systems through greater efficiency, reallocating public funds towards health from other areas, and allowing more private financing of health. Improving productivity in the health sector through measures like reducing clinical variation could significantly impact debt projections. While new taxes may improve health, they will not be major revenue sources. Countries are unlikely to step back from universal public coverage but boundaries between public and private systems could be debated.
The document discusses trends in global employee engagement based on Aon Hewitt's research from 2008-2010. Some key points:
- The global average employee engagement score dropped from 60% in 2009 to 56% in 2010, the largest decline in 15 years. However, Q4 2010 saw a recovery.
- The top 3 global engagement drivers in 2010 were career opportunities, brand alignment, and recognition.
- Engagement scores decreased the most in Asia-Pacific, Europe, and North America from 2009-2010.
- Companies with high engagement (65%+) outperformed the stock market by 22% while those with low engagement (45%-) underperformed by 28%.
This document summarizes trends in employer-sponsored health insurance coverage between 1999-2014 based on survey data. It finds that premiums and workers' contributions increased substantially more than inflation and earnings over this period. While most firms, especially large firms, offer coverage, the percentage of workers enrolled has declined slightly. Deductibles and other cost-sharing have also increased in recent years.
Recent Trends in Employer-Sponsored Insurance - jama 111114KFF
This document contains various statistics related to health insurance premiums and costs in the United States from 1999-2014. It shows that the average annual premiums for family health insurance coverage increased significantly each year, rising from $6,438 in 1999 to $16,834 in 2014. In contrast, both overall inflation and workers' earnings increased at lower rates over the same time periods. The document also indicates that workers at firms with many lower-wage employees face higher health insurance costs than those at higher-wage firms.
Learn about 2016 trends in government and private healthcare spending, employer costs, and the patient-as-consumer movement that's spurring new provider models.
Recent Trends in Employer-Sponsored Health Insurance PremiumsKFF
The document contains several charts and graphs related to health insurance premiums and costs in the United States from 1999-2015. It shows that premiums for family coverage increased significantly more than workers' earnings and general inflation over this period. Premiums and deductibles also increased substantially more than earnings from 2010-2015. The majority of employers have analyzed whether their health plans would exceed future tax limits, but relatively few have made changes currently.
Employer-Sponsored Insurance Offer and Coverage Rates - JAMA 050316KFF
The document contains several graphs and tables summarizing data from the Kaiser Family Foundation and Kaiser/HRET Survey of Employer-Sponsored Health Benefits on trends in employer-sponsored health insurance coverage between 1999-2015. The data shows that over this period, larger firms and those with higher-wage workers were more likely to offer coverage, while rates of coverage declined more for small firms and low-wage workers. It also shows that in 2015, most firms covered spouses and other dependents through employer plans but fewer covered same-sex and opposite-sex domestic partners, and that coverage offerings varied depending on firm workforce characteristics like wage levels and worker age.
The Impact of Medicaid Expansion on Employer Provision of Health Insurancesoder145
- The study examines the impact of Medicaid expansion under the ACA on employer-sponsored health insurance (ESI) offers, out-of-pocket premiums, and eligibility using data from 2010-2015.
- The results show Medicaid expansion decreased worker eligibility for ESI offers by 4 percentage points but had no effect on ESI offers or out-of-pocket premiums. There was also no differential effect for low-wage establishments.
- The authors note the short-term effects may differ from long-term effects, and ongoing uncertainty could impact employer behavior and outcomes over time as more states expand Medicaid.
Medicaid vs. Marketplace Coverage for Near-Poor Adults: Impact on Out-of-Pock...soder145
1) The document analyzes the impact of state Medicaid expansion decisions on out-of-pocket health expenses and insurance coverage for low-income adults making 100-138% of the federal poverty level.
2) It finds that Medicaid expansion was associated with lower total out-of-pocket spending (a reduction of $353), lower premium spending (a reduction of $118), and lower medical spending (a reduction of $235) compared to non-expansion states.
3) Medicaid expansion also increased Medicaid coverage by 11.1 percentage points and decreased the uninsured rate by 4.5 percentage points for this low-income group relative to non-expansion states.
Compensation, also known as employee remuneration, is what employees receive in exchange for their contributions to an organization. It is influenced by both external factors like the labor market, cost of living, labor laws, and unions as well as internal factors like compensation policies, job analysis, and individual employee attributes. A 2010-2011 compensation survey found that after declines in 2009, most companies' salary budgets were projected to rise in 2011 with average global salary increases expected to jump from 2.59% to 3.14%. Specific regions and sectors like South Asia, technology, and energy were expected to see above average increases.
2016 Employer Health Benefits Survey Chart PackKFF
This document provides a summary of key findings from the 2016 Employer Health Benefits Survey. Some of the main points included:
- Average annual premiums for employer-sponsored family health coverage in 2016 were $18,142, with workers contributing $5,277 and employers contributing $12,865. Premiums have risen significantly faster than inflation and workers' earnings over time.
- Enrollment in high-deductible health plans (HDHPs) continues to increase each year, with 29% of covered workers enrolled in an HDHP in 2016.
- The percentage of covered workers with a general annual deductible and the average deductible amount also continues to trend upward each year.
-
Analysis of state-level trends in employer-sponsored health insurance from 2011 to 2015 using the Medical Expenditure Panel Survey - Insurance Component (MEPS-IC)
The document summarizes key provisions of the Affordable Care Act (ACA) or "health reform" and how it will impact Utah families and businesses. It outlines immediate benefits like prohibiting denial of coverage for pre-existing conditions for children. It also describes reforms that will begin in 2014 like health insurance exchanges, subsidies for individuals and tax credits for small businesses. The summary emphasizes that the ACA builds on the current system and aims to expand access, contain costs and ensure quality of care.
The document summarizes key provisions of the Affordable Care Act (ACA) or "health reform" and how it will impact Utah families and businesses. Some key points include:
- The ACA aims to expand access to affordable health insurance through state-run exchanges, subsidies, and Medicaid expansion while also containing costs and improving quality.
- It offers immediate benefits like preventing denial of coverage for pre-existing conditions and allowing young adults to stay on parents' plans until age 26.
- It provides tax credits to small businesses that offer employee coverage and establishes an online marketplace ("exchange") for individuals and small businesses to purchase plans.
- The goals of reform are to contain costs through measures like reducing waste and fraud
The document discusses trends in CEO pay from 2010-2014. Some key findings include:
1. Median total compensation in the S&P 1500 increased from $4.0 million in 2010 to $5.3 million in 2014, driven largely by increases in stock awards.
2. Performance-based stock awards saw the largest growth from 2010-2013, increasing 38.1% in the S&P 1500, but appeared to plateau in 2014.
3. Options decreased substantially over the period, with the median value in the S&P 1500 falling from $346,600 in 2010 to $19,857 in 2014.
4. Equity compensation made up over half of total pay on average
The document discusses trends in CEO pay from 2010-2014. Some key findings include:
1. Median total compensation in the S&P 1500 increased from $4.0 million in 2010 to $5.3 million in 2014, driven largely by increases in stock awards.
2. Performance-based stock awards saw the largest growth from 2010-2013, increasing 38.1% in the S&P 1500, but this growth plateaued in 2014.
3. Options decreased the most as a component of pay over this period, with the median value in the S&P 1500 falling from $346,600 in 2010 to $19,857 in 2014.
4. Equity compensation made up
Craig Cordola, CEO of Memorial Hermann Hospital -Texas Medical Center in Houston, joins McCombs Finance Professor Jay Hartzell, Keith W. Maxwell of Spark Energy, and Greg Peters of Zillant to take a look ahead at not just the national economy as a whole, but also at the state of Texas.
Under the Affordable Care Act, managed care patients will migrate to the insurance exchanges, and become unprofitable patients, Cordola said.
TN
MS
MA
RI
ME
GA
LA
FL
AK
HI
State-based Marketplace
State Partnership Marketplace
Federally-facilitated Marketplace
State Exchange, but not certified by HHS
No Exchange
The document discusses how the Affordable Care Act aims to address the issues of uninsured Americans and rising healthcare costs. It does this through expanding Medicaid eligibility, providing subsidies for private insurance, creating state-based health insurance exchanges, and mandating coverage. It provides details on eligibility for subsidies and Medicaid expansion. It also outlines the penalties for those who remain uninsured and timeline for implementation of key provisions.
Primary Care spend in the State of Rhode island and its impact on overall cost trend a report worth reading for sure
Primary care Spend in RI went up from 47 million in 2008 to 67 million in 2013
BUT !!!
Total Spend went down from 823 Million in 2008 to 661 Million in 2013
This newsletter provides updates on healthcare reform and its costs, workplace wellness programs, and medical clinics. It discusses how the Affordable Care Act will pay for expanding coverage, including new taxes starting in 2011-2018 on drug companies, insurers, and high-cost plans. It also links obesity to higher workers compensation costs and recommends integrating workplace safety with wellness efforts. Finally, it notes the growth of retail medical clinics and their lower costs compared to doctors' offices and emergency rooms.
Colonial Life And Accident Broker Presentation 1011mrwhayes
The document discusses the rising costs of health care in the US and the challenges it poses for employers and consumers. It notes the proliferation of health insurance acronyms and complexity of the system. Various factors driving up costs are outlined, including an aging population, increased medical inflation, and government intervention. This has led employers to shift more costs to employees through higher deductibles and premiums. Consumer-driven health plans such as health reimbursement accounts (HRAs) and health savings accounts (HSAs) are presented as ways to help control costs by making consumers more responsible for health care spending.
Similar to 2012 Employer Health Benefits Chart Pack (20)
Where do the democratic candidates stand on health reform? (Updated December ...KFF
The document summarizes the positions of the 7 Democratic presidential candidates who qualified for the December 19th debate on their health reform proposals. It finds that Bernie Sanders and Elizabeth Warren support a Medicare-for-all single-payer system, while the other candidates support creating a public option to compete with private insurance and retaining the ACA. It also outlines some key differences in how each candidate would implement a public option or Medicare-for-all, such as whether it replaces existing programs like Medicare and Medicaid.
Cost-sharing for Plans Offered in the Federal Marketplace for 2020KFF
The document analyzes cost-sharing structures for health plans offered on the federal Affordable Care Act marketplace in 2020. It finds that the majority of bronze and silver plans combine the medical and prescription drug deductibles, while gold and platinum plans usually have separate deductibles. Bronze plans have the highest average deductible at $6,506 for combined plans. Deductibles vary based on the level of cost-sharing subsidies provided to enrollees based on their income.
This document analyzes cost-sharing structures for health plans offered on the federal marketplace in 2015. It finds that the majority of bronze and silver plans combined the medical and prescription drug deductibles, while gold and platinum plans typically separated them. On average, deductibles were highest for bronze plans and lowest for platinum plans, whether the deductibles were combined or separate. Deductibles were also generally lower for silver plans that included cost-sharing subsidies for lower-income enrollees.
The document analyzes cost-sharing structures for health plans offered on the Federal Marketplace in 2014. It contains 6 figures that show: 1) Most plans had combined rather than separate medical and prescription drug deductibles; 2) Average deductibles decreased as metal levels increased from Bronze to Platinum; 3) Silver plans with cost-sharing reductions had lower deductibles for lower-income enrollees; 4) Out-of-pocket maximums also decreased with income-based cost-sharing in Silver plans.
The document analyzes cost-sharing structures for health plans offered on the Federal Marketplace in 2019. It finds that the majority of bronze and silver plans combine the medical and prescription drug deductibles, while gold and platinum plans usually have separate deductibles. On average, deductibles are highest for bronze plans and lowest for platinum plans. Additionally, silver plans offering cost-sharing reductions have lower deductibles for people with incomes at or below 250% of the federal poverty level.
The document analyzes cost-sharing structures for health plans offered on the Federal Marketplace in 2018. It finds that 92% of bronze plans and 59% of silver plans combine the medical and prescription drug deductibles, while separate deductibles are more common in gold and platinum plans. Average deductibles are highest in bronze plans and lowest in platinum plans, and deductibles are reduced for lower-income enrollees receiving cost-sharing subsidies in silver plans.
This document contains 6 figures that analyze cost-sharing details for health plans offered on the Federal Health Insurance Marketplace in 2017. Figure 1 shows that the majority of bronze and silver plans had combined medical and prescription drug deductibles, while gold and platinum plans usually had separate deductibles. Figures 2-5 compare the average medical deductible amounts for different metal-level plans and for silver plans with or without cost-sharing reductions. Figure 6 looks at average out-of-pocket limits for silver plans when medical and drug costs were subject to a combined limit.
This document analyzes cost-sharing features of health plans offered on the ACA marketplaces in 2016, including deductibles and out-of-pocket limits. It finds that most bronze and silver plans combine the medical and prescription drug deductibles, while gold and platinum plans usually separate them. Deductibles are highest in bronze plans and lowest in platinum plans. Silver plans' deductibles vary based on income and cost-sharing subsidies. Out-of-pocket limits that combine medical and drug costs also decrease with more generous silver plan variations and higher metal levels.
Public Opinion On Prescription Drugs And Their PricesKFF
- According to polls from 2015-2019, around 6 in 10 Americans currently take at least one prescription medication and 1 in 4 take 4 or more. While most say the cost of prescription drugs is unreasonable, around 3 in 4 currently taking medications say affording them is easy. However, those taking more medications report more cost problems.
- Around 3 in 10 Americans have not taken their medication as prescribed at some point due to costs, such as not filling a prescription, cutting pills in half, or taking over-the-counter drugs instead.
- Majorities of the public favor policies to lower drug costs like requiring list prices in ads, easier generics, and government negotiations. However, views on the best approach vary by
Donor Government Disbursements for Family Planning in 2017 (Slideshow)KFF
Donor government funding for family planning increased in 2017, rising from $1.20 billion in 2016 to $1.27 billion (an increase of $74 million or 6%, as measured in current terms); funding increased even after accounting for inflation and currency fluctuations.
The document discusses findings from a poll about Americans' views on prescription drug costs and priorities for lowering costs. Some key findings include:
- 59% say prescription drugs have improved lives over the past 20 years, but 79% say drug costs are unreasonable
- Prescription drug spending increased 330% from 1997-2017, compared to a 208% rise in total health spending
- 29% report not taking medications as prescribed at some point due to cost
- 78% say drug company profits are a major reason for rising health care costs overall
- Lowering drug costs is one of the public's top health policy priorities for Congress
- There is bipartisan support for various policies to reduce drug prices, such as allowing Medicare to
Public Opinion on Women's Health and Preventive CareKFF
This document summarizes several polls regarding public opinion on women's health issues and reproductive care. It finds that majorities support requiring insurance coverage without cost sharing for preventive care like contraception (54-81%) and oppose allowing employers to opt out of contraceptive coverage for religious/moral reasons (57%). Additionally, most think the government should fund reproductive services for low-income women (76%) and continue funding non-abortion services at Planned Parenthood (73%). Support is higher among Democrats and women. While one-third know of the ban on federal abortion funding, most do not want to see Roe v. Wade overturned.
2019 KFF Employer Health Benefits Survey ChartpackKFF
The 2019 Employer Health Benefits Survey finds annual family premiums for employer health insurance rose 5% to average $20,576 this year. On average, workers pay $6,015 toward the cost.
Public Opinion On Expanding Access To Medicare CoverageKFF
Support for a single-payer health care system in the United States has increased modestly over time, according to surveys conducted by the Kaiser Family Foundation. While over half of Americans now favor such a system, Republicans have become less supportive over time. Proposals to expand existing public insurance programs like Medicare and Medicaid are more widely favored across party lines than a single-payer system. However, the level of support depends on how the policy is described and whether it is presented as "replacing" private insurance or not. There is also uncertainty about the potential costs and impacts of a single-payer system.
The document contains 6 figures that show trends in global HIV funding from donor governments from 2002-2018. Figure 1 shows total annual HIV funding increasing from $1.2 billion in 2002 to $8.6 billion in 2018. Figure 2 shows that in 2018, 99% of donor government HIV funding was channeled through bilateral programs or the Global Fund, with only 1% through UNITAID. Figure 3 compares appropriations and disbursements of US bilateral HIV funding. Figure 4 shows total annual HIV funding from non-US donors increasing from $1 billion in 2010 to $3.1 billion in 2018. Figure 5 compares donor shares of global GDP and HIV resources. Figure 6 ranks donor governments by their HIV funding per
Barriers to Care Experienced by Women in the United StatesKFF
Women incur greater healthcare costs than men, especially during their reproductive years. Younger women are more likely than older women to not have a regular clinician and delay care as a result. Women who lack a regular clinician are less likely to receive certain preventive services like mammograms and pap tests. The barriers to care that women experience highlight the ongoing need for policies that promote affordable and equitable access to healthcare.
Salud y Atencion Medica para los Hispanos en Estados Unidos - May 2019KFF
Este documento resume las características demográficas y de salud de la población hispana en los Estados Unidos. Se proyecta que los hispanos constituirán más de 1 de cada 4 personas en los EE. UU. para 2060. Los hispanos enfrentan mayores tasas de pobreza, obesidad, diabetes y VIH en comparación con los blancos no hispanos, y tienen más dificultades para acceder a la atención médica debido al costo y la falta de seguro. Aunque la tasa de hispanos sin seguro ha dis
share - Lions, tigers, AI and health misinformation, oh my!.pptxTina Purnat
• Pitfalls and pivots needed to use AI effectively in public health
• Evidence-based strategies to address health misinformation effectively
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Histololgy of Female Reproductive System.pptxAyeshaZaid1
Dive into an in-depth exploration of the histological structure of female reproductive system with this comprehensive lecture. Presented by Dr. Ayesha Irfan, Assistant Professor of Anatomy, this presentation covers the Gross anatomy and functional histology of the female reproductive organs. Ideal for students, educators, and anyone interested in medical science, this lecture provides clear explanations, detailed diagrams, and valuable insights into female reproductive system. Enhance your knowledge and understanding of this essential aspect of human biology.
Hiranandani Hospital in Powai, Mumbai, is a premier healthcare institution that has been serving the community with exceptional medical care since its establishment. As a part of the renowned Hiranandani Group, the hospital is committed to delivering world-class healthcare services across a wide range of specialties, including kidney transplantation. With its state-of-the-art facilities, advanced medical technology, and a team of highly skilled healthcare professionals, Hiranandani Hospital has earned a reputation as a trusted name in the healthcare industry. The hospital's patient-centric approach, coupled with its focus on innovation and excellence, ensures that patients receive the highest standard of care in a compassionate and supportive environment.
Travel vaccination in Manchester offers comprehensive immunization services for individuals planning international trips. Expert healthcare providers administer vaccines tailored to your destination, ensuring you stay protected against various diseases. Conveniently located clinics and flexible appointment options make it easy to get the necessary shots before your journey. Stay healthy and travel with confidence by getting vaccinated in Manchester. Visit us: www.nxhealthcare.co.uk
2. Cumulative Increases in Health Insurance Premiums, Workers’
Contributions to Premiums, Inflation, and Workers’ Earnings,
1999-2012
38%
109%
172%
38%
113%
180%
11%
29%
47%
8%
24%
38%
0%
20%
40%
60%
80%
100%
120%
140%
160%
180%
200%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Health Insurance Premiums
Workers' Contribution to Premiums
Workers' Earnings
Overall Inflation
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012. Bureau of Labor Statistics, Consumer Price Index,
U.S. City Average of Annual Inflation (April to April), 1999-2012; Bureau of Labor Statistics, Seasonally Adjusted Data from the
Current Employment Statistics Survey, 1999-2012 (April to April).
3. Cumulative Increases in Family Health Insurance Premiums,
2002-2007 and 2007-2012
51%
30%
0%
10%
20%
30%
40%
50%
60%
70%
80%
2002-2007 2007-2012
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2002-2012.
4. * Estimate is statistically different from estimate for the previous year shown (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012.
Average Annual Premiums for Single and Family Coverage,
1999-2012
$15,745*
$15,073*
$13,770*
$13,375*
$12,680*
$12,106*
$11,480*
$10,880*
$9,950*
$9,068*
$8,003*
$7,061*
$6,438*
$5,791*
$5,615*
$5,429*
$5,049*
$4,824*
$4,704*
$4,479*
$4,242*
$4,024*
$3,695*
$3,383*
$3,083*
$2,689*
$2,471*
$2,196
$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
Single Coverage
Family Coverage
6. Average Annual Worker Contributions for Covered Workers
with Family Coverage, by Firm Size, 1999-2012
* Estimate is statistically different from estimate for the previous year shown (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012.
$1,831
$1,940
$2,254*
$2,647*
$2,970
$3,382*
$3,170
$3,550
$4,236*
$4,101
$4,204
$4,665
$5,134
$1,398 $1,453 $1,551
$1,893*
$2,146*
$2,340*
$2,487
$2,658
$2,831
$2,982
$3,182
$3,652*
$3,926
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
All Small Firms (3-199 Workers)
All Large Firms (200 or More Workers)
$4,946
$3,755
7. $4,977* $3,968*
$9,716 * $12,459 *
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
Many Workers are Lower-
Wage
Many Workers are Higher-
Wage
Family Coverage
$14,694*
$16,427*
Average Worker and Employer Premium Contributions For Covered
Workers at Higher- and Lower-Wage Firms, 2012
*Estimate for many workers are lower-wage is statistically different from estimate for many workers are higher-wage, within coverage type (p<.05).
NOTE: Firms with many lower-wage workers are ones where 35% or more of employees earn $24,000 or less. Firms with many higher-wage workers
are ones where 35% or more of employees earn $55,000 or more. Wage cutoffs are the inflation adjusted- 25th and 75th percentile of national wages
according to the National Compensation Survey: Occupational Earnings in the United States, 2010. 1% of covered workers are in firms which are
both high income and low income, excluding these firms does not change the estimates or significance testing.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012. National Compensation Survey: Occupational Earnings in the
United States, 2010. http://www.bls.gov/ncs/ocs/sp/nctb1489.pdf
$1,069 $964
$4,066*
$4,825*
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
Many Workers are Lower-
Wage
Many Workers are Higher-
Wage
Single Coverage
$5,135*
$5,789*
Worker Premium ContributionEmployer Premium Contribution
8. 66%
71%
47%
82%
84%
69%
0% 20% 40% 60% 80% 100%
Percentage of Workers Eligible For
Health Benefits Offered By Their Employer*
Percentage of Eligible Workers Who Participate
in Their Employers’ Plan (Take-Up Rate)*
Percentage of Workers Covered by Their
Employers’ Health Benefits*
Many Workers are
Higher-Wage
Many Workers are
Lower-Wage
Eligibility, Take-Up Rate, and Coverage in Firms Offering Health
Benefits, by Firm Wage Level, 2012
*Estimate for many workers are lower-wage is statistically different from estimate for many workers are higher-wage (p<.05).
NOTE: Firms with many lower-wage workers are ones where 35% or more of employees earn $24,000 or less. Firms with many higher-wage workers
are ones where 35% or more of employees earn $55,000 or more. Wage cutoffs are the inflation adjusted- 25th and 75th percentile of national wages
according to the National Compensation Survey: Occupational Earnings in the United States, 2010. 1% of covered workers are in firms which are
both high income and low income.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012. National Compensation Survey: Occupational Earnings
in the United States, 2010. http://www.bls.gov/ncs/ocs/sp/nctb1489.pdf.
9. 44%*
29%*
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
Many Workers are Lower-Wage Many Workers are Higher-Wage
Percentage of Covered Workers Enrolled in a Plan with a General
Annual Deductible of $1,000 or More for Single Coverage, by Firm
Wage Level, 2012
*Estimate for many workers are lower-wage is statistically different from estimate for many workers are higher-wage (p<.05).
NOTE: Firms with many lower-wage workers are ones where 35% or more of employees earn $24,000 or less. Firms with many higher-wage workers
are ones where 35% or more of employees earn $55,000 or more. Wage cutoffs are the inflation adjusted- 25th and 75th percentile of national wages
according to the National Compensation Survey: Occupational Earnings in the United States, 2010. 1% of covered workers are in firms which are
both high income and low income, excluding these firms does not change the estimates or significance testing.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012. National Compensation Survey:
Occupational Earnings in the United States, 2010. http://www.bls.gov/ncs/ocs/sp/nctb1489.pdf.
10. Grandfathering under the Affordable Care Act (ACA),
2011 and 2012
* Estimate is statistically different between 2011 and 2012 (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2011-2012.
72%
56%
58%
48%
0%
20%
40%
60%
80%
Percentage of Firms with
At Least One Grandfathered Plan*
Percentage of Covered Workers
in a Grandfathered Health Plan*
2011 2012
11. Number of Adult Children Who Enrolled in a Parent’s Health Plan
Because of the Affordable Care Act (ACA), In Millions, by Firm
Size, 2011 and 2012
0.7
1.6
2.3
1.1
1.8
2.9
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
All Small Firms
(3-199 Workers)
All Large Firms
(200 or More Workers)
All Firms*
InMillions
2011 2012
* Estimate is statistically different between 2011 and 2012 (p<.05).
NOTE: In 2011 firms who did not know if they enrolled adult children due to the Affordable Care Act (ACA) were not imputed. If a similar approach had
been followed in 2012, an estimated 2.8 million children would have enrolled on a parent's health plan due to the Affordable Care Act. Using either
approach the 2012 estimate is a significant increase over 2011. In 2012, 5% of firms offering family coverage did not know whether they enrolled
adult dependents due to the ACA, more than the 1% in 2011. In 2012, 68% of workers covered by employer health benefits were employed at
large firms.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2011-2012.
12. 66%
68% 68%
66% 66%
63%
60% 61%
59%
63%
59%
69%*
60%* 61%
55% 57% 58% 58%
55%
52%
47%
49%
45%
50%
47%
59%*
48%*
50%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
All Firms
Firms with 3-9 Workers
Percentage of All Firms Offering Health Benefits, 1999-2012
*Estimate is statistically different from estimate for the previous year shown (p<.05).
NOTE: Estimates presented in this exhibit are based on the sample of both firms that completed the entire survey and those that
answered just one question about whether they offer health benefits. The percentage of firms offering health benefits is largely driven by
small firms. The large increase in 2010 was primarily driven by a 12 percentage point increase in offering among firms with 3 to 9
workers. In 2011, 48% of firms with 3 to 9 employees offer health benefits, a level more consistent with levels from recent years other
than 2010. The overall 2011 offer rate is consistent with the long term trend, indicating that the high 2010 offer rate may be an
aberration.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012.
14. Among Firms Offering Health Benefits, Percentage That Offer
an HDHP/SO, 2005-2012
4%
7%
10%
13%
11%
15%
23%
31%
0%
10%
20%
30%
40%
50%
2005 2006 2007 2008 2009 2010 2011 2012
NOTE: Tests found no statistical difference from the previous year shown (p<.05). The 2012 estimate includes 0.6% of all firms offering
health benefits that offer both an HDHP/HRA and an HSA-qualified HDHP. The comparable percentages for previous years are: 2005
[0.3%], 2006 [0.4%], 2007 [0.2%], 2008 [0.3%], 2009 [<0.1%], 2010 [0.3%], and 2011[1.8%].
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005-2012.
15. 16%
21%*
35%*
40%
46%
50% 49%
6%
8% 9%
13%*
17%
22%*
26%
10%
12%*
18%*
22%*
27%*
31%
34%
0%
10%
20%
30%
40%
50%
2006 2007 2008 2009 2010 2011 2012
All Small Firms (3-199 Workers)
All Large Firms (200 or More Workers)
All Firms
* Estimate is statistically different from estimate for the previous year shown (p<.05).
NOTE: These estimates include workers enrolled in HDHP/SO and other plan types. Because we do not collect information on the
attributes of conventional plans, to be conservative, we assumed that workers in conventional plans do not have a deductible of $1,000
or more. Because of the low enrollment in conventional plans, the impact of this assumption is minimal. Average general annual health
plan deductibles for PPOs, POS plans, and HDHP/SOs are for in-network services.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2012.
Percentage of Covered Workers Enrolled in a Plan with a General
Annual Deductible of $1,000 or More for Single Coverage, By Firm
Size, 2006-2012
16. Among All Large Firms (200 or More Workers) Offering Health
Benefits to Active Workers, Percentage of Firms Offering Retiree
Health Benefits, 1988-2012
66%
46%
36%
40% 40% 40%
34%
37%
35% 36% 35%
32%
34%
32%
29% 28%
26% 26% 25%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
1988 1991 1993 1995 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
NOTE: Tests found no statistical difference from estimate for the previous year shown (p<.05). No statistical tests are conducted for years
prior to 1999.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012; KPMG Survey of Employer-Sponsored Health Benefits,
1991, 1993, 1995, 1998; The Health Insurance Association of America (HIAA), 1988.
17. Percentage of Covered Workers in Partially or Completely Self-
Funded Plans, 1999-2012
44%
49% 49% 49%
52%
54% 54% 55% 55% 55%
57%
59% 60% 60%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
NOTE: Tests found no statistical difference from estimate for the previous year shown (p<.05).
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012.
18. Among Firms Offering and Not Offering Health Benefits,
Percentage of Firms Offering Flexible Spending Accounts and
Pre-Tax Employee Premium Contributions, By Firm Size, 2012
* Estimate is statistically different between All Small Firms and All Large Firms within category (p<.05).
NOTE: Section 125 of the Internal Revenue Code permits employees to pay for health insurance premiums with pre-tax dollars. Section
125 also allows the establishment of flexible spending accounts (FSAs). An FSA allows employees to set aside funds on a pre-tax basis
to pay for medical expenses not covered by health insurance. Typically, employees decide at the beginning of the year how much to set
aside in an FSA, and their employer deducts that amount from the employee’s paycheck over the year. Funds set aside in an FSA must be
used by the end of the year or are forfeited by the employee. FSAs are different from HRAs and HSAs. Nineteen percent of firms
responded “not applicable” when asked if they allow the establishment of a section 125 plan. For example, some firms may pay for 100
percent of the cost of coverage.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012.
17%
41%
76%
91%
18%
42%
0%
20%
40%
60%
80%
100%
FSA* Pre-Tax Premium Payments*
All Small Firms (3-199 Workers) All Large Firms (200 or More Workers) All Firms
19. Among Firms Offering Health Benefits, Percentage of Firms Offering
a Wellness Program and Asking Employees to Complete a Health
Risk Assessment, By Firm Size, 2012
* Estimate is statistically different between All Small Firms and All Large Firms within category (p<.05).
NOTE: A health risk assessment includes questions about medical history, health status, and lifestyle and is designed to identify the health risks of the
person being assessed.
‡ Among firms offering employees the option to complete a health risk assessment. The estimate for small firms is not reported because of the high
standard error associated with this estimate. Although 19 percent of small firms that ask their employees to complete a health risk assessment reported
that they offer a financial incentive, the relative standard error is 0.36, which indicates considerable uncertainty. The difference between large and small
firms is statistically significant at the 0.05 confidence level.
~ Includes the following wellness programs: weight loss programs, biometric screenings, gym membership discounts or on-site exercise facilities, smoking
cessation program, lifestyle or behavioral coaching, classes in nutrition or healthy living, web-based resources for healthy living, or a wellness newsletter.
^Among Firms Offering Health and Wellness Benefits. Any financial incentive indicates firms that offer employees who participate in wellness
programs one of the following incentives: smaller premium contributions, smaller deductibles, higher HRA or HSA contributions, or gift cards,
travel, merchandise, or cash.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012.
63%*
10%*
18%*
94%*
41%* 38%*
63%63%
11%
18%
0%
20%
40%
60%
80%
100%
Offer at Least One
Specified Wellness
Program~
Any Financial Incentive to
Partcipate in Wellness
Program^
Ask Employees to
Complete a Health Risk
Assessment
Offer Financial Incentives
to Employees Who
Complete an Assessment‡
All Small Firms (3-199 Workers)
All Large Firms (200 or More Workers)
All Firms