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.

1. 11%
5% 5%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
1999 to 2005 2005 to 2010 2010 to 2015
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2015
Average Annual Premium Increases for Family Coverage, 1999-2015

2. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015.
Average Premiums Increased by Four Percent between 2014 and
2015
$1,081 $1,071
$4,823 $4,955
$4,944 $5,179
$12,011 $12,591
2014 2015 2014 2015
Employer Contribution
Worker Contribution
$16,834
$17,545
$6,025 $6,251
Single Coverage Family Coverage
4%
4%

3. Cumulative Increases in Health Insurance Premiums, Workers’
Contributions to Premiums, Inflation, and Workers’ Earnings,
1999-2015
75%
158%
221%
88%
138%
203%
20%
42%
56%
17%
31%
42%
0%
50%
100%
150%
200%
250%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Workers' Contribution to Family Premiums
Health Insurance Premiums for Family Coverage
Workers' Earnings
Overall Inflation
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2015. Bureau of Labor Statistics, Consumer Price
Index, U.S. City Average of Annual Inflation (April to April), 1999-2015; Bureau of Labor Statistics, Seasonally Adjusted Data
from the Current Employment Statistics Survey, 1999-2015 (April to April).

4. Cumulative Increases in Health Insurance Premiums, General
Annual Deductibles, and Workers’ Earnings, 2006-2015
67%
24%
10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
2010 2011 2012 2013 2014 2015
Single Coverage Deductibles
Single Coverage Premiums
Workers' Earnings
NOTE: Average general annual deductible is among all covered workers. Workers in plans without a general annual deductible for in-network
services are assigned a value of zero.
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2015. Bureau of Labor Statistics, Consumer Price Index, U.S. City
Average of Annual Inflation (April to April), 2006-2014; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment
Statistics Survey, 2006-2015 (April to April).

5. 4%
6%
12%
16%
19% 18%
12%
7% 8%
0%
10%
20%
30%
40%
50%
Less Than
$10,000
$10,000 -
$11,999
$12,000-
$13,999
$14,000-
$15,999
$16,000-
$17,999
$18,000-
$19,999
$20,000-
$21,999
$22,000-
$23,999
$24,000
or More
SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015.
Distribution of Annual Premiums for Covered Workers
with Family Coverage, 2015
Average: $17,545
Percentage of Covered Workers:

6. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015.
Among Firms Offering Health Benefits, Percentage of Firms That
Have Taken Various Actions in Anticipation of the Excise Tax on High-
Cost Plans, by Firm Size, 2015
17%
7% 8%
2%
71%
53%
13%
8% 6%
38%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Conducted an analysis to
determine if plans will
exceed limits
Made changes to plan’s
coverage or cost sharing
to avoid exceeding limits
Switched to a lower cost
plan
Other None of these
All Small Firms (3 to 199 More Workers)
All Large Firms (200 or More Workers)