Employers Pay An Average Of $6,118 Per Employee For Health Coverage

In 2013, employers paid, on average, $6,118 per employee for health coverage, up from $5,184 in 2012, according to recent research from United Benefit Advisors (UBA). The 2013 Health Plan Survey found that employees paid for family coverage, on average, was $1,151 in 2013, up from $1,110 in 2012.

UBA found that the average worker also saw an overall increase in health care cost due to rising out-of-pocket costs, including higher in-network deductibles, in-network coinsurance, and significantly higher out-of-pocket maximums. In-network deductibles increased to $1,852 for single coverage and $4,225 for family coverage. Out-of-pocket maximums for in-network increased to $3,641 for single coverage and $8,042 for family coverage.

The survey also found the following:

• Preferred provider organization plans continue to be the dominant plan type offered to employees nationally, with approximately 47.2 percent of all employees enrolled in this plan type, which is 4.7 percent more than are enrolled in health maintenance organizations and consumer-driven health plans combined.

• Only 3 percent of employers offered payment in exchange for opting out of coverage in 2012, compared to 3.5 percent in 2013. Of those to whom it was offered, only 20 percent of employees accepted it in 2012, down from 23 percent in 2013.

• Self-insurance as a funding option for insurance plans grew by 10 percent from 2012 to 2013.

• High-deductible health plans with a health reimbursement arrangement or health savings account comprised 24.1 percent of the total number of plans offered nationwide, up from 22.5 percent in 2012. Currently, 17.1 percent of all U.S. employees are enrolled in these types of plans, up 1.5 percentage points from 2012. Employers with 1,000 or more employees saw the largest increase of 3.9 percent, UBA noted.

The study contains responses from 10,551 employers. For more information, visit http://www.ubabenefits.com.

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