I have worked in the Information Center​ of the International Foundation for over two decades and responded to thousands of member requests for benefits information. There are a few information requests that fall into a category one could call perennial​​asked so often that they go beyond “frequently asked question” status. 

One of these perennial questions is: “How much must employees typically pay toward the cost of employer-sponsored health care benefits?” Although the answer to this question has changed over the years, the resources we use to respond to this request have stayed relatively constant.

questions
Here’s where we turn to provide th​e answer to this perennial favorite . . .

1. A Government Resource

The U.S. Bureau of Labor Statistics regularly gathers data on employee benefits. If you’re looking for data on the share of pre​m​iu​ms paid by the employee for both single and family coverage, this page is very helpful. By clicking on the tables, you can find the data broken down by industry, employer size, region and type of employee. If you’re interested in copays, coinsurance and deductibles, you’ll need to try a couple of other links for private industry​ or for state and local governments.

2. A Nonprofit Organization

The Kaiser Family Foundation has been conducting a survey of employer health benefits for several years. They share a very substantive survey report on their website and it includes two sections related to worker contributions and cost sharing. The latest report includes dozens of tables/charts that slice and dice the data by plan type, employer size, region and industry. This survey also includes graphics that offer comparisons over time. You may also wish to check out other sections focused on prescription drug benefits and high deductible health plans.

3. A Sampling of Consulting Firms

Several employee benefit consulting firms conduct surveys on health care costs and cost sharing each year. The full reports can be expensive and sometimes are available only to clients, but even a press release or summary of these surveys can provide some useful data. Here are a few examples from AonHewittTowers Watson/National Business Group on Health and Milliman.

If you’re a member and interested in having quick access to this and other perennially popular questions, try InfoQuick on the Foundation’s website. You’ll find a list of over 100 frequently requested topics. Check off the ones that interest you, enter your e-mail address and click “submit.” Within moments, you’ll receive an e-mail full of relevant links for each of the topics you chose. Happy Reading!

P.S. In case you’re wondering what the most popular question is, tune in to my next blog and you’ll find out!

Kelli Kolsrud, CEBS

​Director, Information Services and Publications at the International Foundation

Favorite Foundation service/product: Personalized research assistance provided by the Foundation’s information specialists

Benefits related topics that interest her most: Health care benefits (they’re especially interesting post-ACA!); work-life benefits

Favorite Foundation conference/event moment: Meeting and spending quality time with Olympic gold medalist Scott Hamilton at the 59th U.S. Annual Conference.  Meeting Eric Greitens, a real-life Navy SEAL, the year before was pretty awesome too!

Personal Insight: Kelli can connect you to the facts on nearly any benefits topic in the US or Canada, but when she gets away from her work, her focus often shifts to England. Favorite free time activities include watching Downton Abbey and immersing herself in Jane Austen.

Recommended Posts

The Growing Importance of Cross-Cultural Competence

Eli Argueta
 

In the ever-expanding global marketplace, organizations are increasingly embracing the importance of understanding and respecting diverse cultures. Nowhere is this more crucial than in the realm of global benefits, where effective communication and collaboration across cultural boundaries can make all the difference. […]

Measuring and Addressing Burnout and Stress in the Workplace

Anne Patterson
 

According to the International Foundation’s Mental Health and Substance Use Disorder Benefits Survey Report, 96% of the workforce is stressed—either somewhat or very. With mostly every worker facing stress at some level, it’s important for plan sponsors/employers to know how to identify […]

Student Loan Repayment and Financial Wellness Benefits: What’s New?

Anne Newhouse
 

Student loan repayment has been more top-of-mind in recent weeks with President Biden’s announcement on February 21, 2024. The Department of Education emailed 153,000 borrowers that student loans were being discharged for those enrolled in the Saving on a Valuable Education (SAVE) […]

Paid Family and Medical Leave Legislative Developments

Jenny Gartman, CEBS
 

Proposals for paid family and medical leave at the federal level historically haven’t had enough support to become law. Many states have added paid leave mandates since 2017, creating a challenge for multistate employers seeking to deliver consistent benefits to their entire […]