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Cost Sharing

Annual Premium Contributions for Family Coverage, by Plan Type

The median premium cost for family coverage in 2015 was $18,142. However, premium costs varied by plan type.


For more information on this chart, please see Kaiser/HRET’s 2016 Survey of Employer-Sponsored Health Benefits report.

Percentage of Premium Paid by Employers

On average, employers continue to pay the vast majority of health care costs. For single coverage, employers pay approximately 82% of premium costs.

For more information on this chart, please see Kaiser/HRET’s 2016 Survey of Employer-Sponsored Health Benefits report.

Average Annual Premium for Covered Workers, by Industry

Health care costs vary across industry. Industries such as retail typically have a lower annual premium than industries such as health care.

For more information on this chart, please see Kaiser/HRET’s 2016 Survey of Employer-Sponsored Health Benefits report.

Average In-Network Deductible for Single Coverage

Over the last few years, deductibles have risen across all plan types. HDHPs still have the highest deductibles, but the average deductible for a PPO and HMO plan are steadily increasing.

For more information on this chart, please see Kaiser/HRET’s 2016 Survey of Employer-Sponsored Health Benefits report.

Total Health Care Costs for Large Employers and Their Employees

In addition to rising employer and employee contributions to health care premiums, employees are experiencing rising out-of-pocket costs.

For more information on this chart, please see Aon Hewitt’s Health Value Initiative.

 

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