If you're looking for simple statistics about workplace health coverage, look no further than this fact sheet. The fact sheet contains information like total spending on health care, the percentage of employers offering health insurance, and the number of workers with health coverage, in addition to information like how average premiums or deductibles have changed over time since 1996.
We also include links to the statistic sources, just in case you want to take a deeper dive or update materials before a big meeting.
Figure 1 Percentage of Private-Sector Establishments That Offer Health Insurance, by Establishment Size, 2019 Pre • mi um D down espit s fwa or e risin rd sinc Empl g pre o ey 201 me miu nt 3m , - s, th Bas for t e ye ed He a hr t e last ha alth t d me os I cFigure a n t de, t s m uranc ajor h8 e p per e rovision centas of ge of the the AC to A tal h took e a elth in ffect,su th ra ou nc gh this e 5 Average Annual Employee-Onl Figure y an 7d Family Deductible, Among c pre onm tinu ium ed pa a t id reby nd wor thaker t sts ha arted as f s been a re r bac lativ k as 20 ely fla0 t.9. On average, workers paid 21 percent of the • I n 2019, average annual premiums for employee-only coverage were $6,972. 99.6% They were Percent Workers age in of Pr Emp ivate lo -y Sector ees Th Establishm at Required ent No s Healt With a Deduct h Insurance ible, Premiu 2002 –m 100% 96.5% • pre C oin m su iura mn for e ce rate mploy s for off ee-oic nly e v cisits overa inge cre aanse d d 28 m p ore erc m enodestly, t of the b pu re t sinc mium e for coin fsu am ra ily cove nce requi rage in res p lan 40% $20,486 for family coverage. Both have been trending upward since at least 1996. Contribution Among Employees 2019 at Private-Sector Establishments, 37.6% Workplace Health Coverage Benefits: By the Numbers 2019. par3ticipa 7.1% nts to pay a percentage of the charge, out-of-pocket payments for coinsurance will 90% 1996 –2019 Number of Workers and Dependents With Employment-Based Health Insurance Employee-Only Coverage Family Coverage Figure 4 35.0% increase with office visit costs. $4,000 80% Provid 35e %d by EBRI’s Center for Research on Health B76.3% enefits Innovation 3 A 3.5 v% erage Total Healt Emph loyIn eesu -Onlrance y CoveragPremiu e Fm am A ily m Cov on erage g Employees at 32.9% $3,655 • Overall, 72.4 percent of workers had employment-based health benefits in 2019 either through Private-Sector Establishments, 1996 –2019 Enrollment in Self-Insured Plans 70% $25,000 $3,396 $3,392 $3,50 the 0 ir own job or through a family member’s job. Only 38.8 percent of non-working adults had Figure 6 Employee-Only Coverage Family Coverage 29.5% 30% Percentage of Total Health Insurance Premium Employee Cont $3,069 ributed 60% • E BRI t Ove em hploy ara nkll, 59 pe s t mheen ftollow -base rcein nd t g c of w he omp altorke h a b nie ers in s f neor fits. p th ri evate ir s Over u- ppor se one cto t -of r e h t alf h sta e (55 Ce blish n .8 per tem r e for R n cts en ewe t) o sea re rc f c en hh on ildr rol He le en d a we ltin h Be re a cove se nelf fit -s in re su d re by d 27.3% 40% 26.6% 52.0% $2,871 $3,000 Among Employees at Private-Sector Establishments, 1996 –2019 Innovation: Aon Hewitt, Blue Cross Blue Shield Association, ICUBA, JP Morgan Chase, Pfizer, and PhRMA. plan employ . ment-based health benefits. 47.4% $20,486 50% $2,640 $19,565 Emp 2l3 oy .7ee % -Only Coverage Family Coverage 25 % $20,000 $2,491 23.1% $18,687 $2,500 40% $2,322 35% 21.9% 22.0% Figure 10 $2,220 Figure 3 $17,710 $17,322 20.6% $16,655 Percentage of Covered Private-Sector Workers Enrolled in Self-Insured 30% Percentage of Workers, Non-Workers, $1,975 and Children With Employment- 19.3% $16,029 20% 18.7% $2,000 23.0% 18.5% 18.3% $15,473 17.9% Health Plans, by $1,761 Firm Size, 2019 Based Health Coverage, 2013 –2019 $15,022 17.3% 17.3% 30 % $1,658 17.1% Total Spending on Health Care in the United States 20% 16.7% 16.6% $1,931 $15,000 28.0% 28.0% 27.9%27.8% 27.6% $13,871 27.6% 27.4% 15.8% $1,846 Working Adults Non-Working Adults Children 15.6%27.2% 27.1% $1,808 80% 26.7%26.8% $1,351 26.4% 90 % 14.8% 14.7% $13,027 $1,696 $1,500 14.2% 25.7% 10% $1,232 25.4% 15% $12,298 • In 2019, the United States spent $3.8 trillion on health care, or $11,5 $1,541 82 per 1 p 3.5% erson 72.4% . As a 13.5% share 13.4% 72.0% 13.4% 24.7%$1,143 24.7% 13.2% 71.0% 71.2% 71.2% 83% 24.5% 70.5% 70.8% 24.4% $1,079 24.1%12.6% $11,381 23.8% 25% 23.7% 23.5% $1,353 $958 23.2% 70% $10,728 11.4% $1,273 of the nation's gross domestic product (GDP), spending on health care accounted for 17.7 0% 80% $1,000 10.7% $1,167 22.2% $10,006 10.4% $1,123 21.7% Total Less Than 10 1,000 or More 10 –24 employees 25 –99 employees 100 –999 employees 21.3%21.4% 1 9.7% 21.2% $1,025 21.0% 21.1% $9,249 20.9% $10,000 20.7% 20.8% 9.2% percent. 20.5% 8.9% 10% Employees Emp8 loy .8ee % s $917 20.1% $869 8.3% $8,469 8.1% 7.9% 60% 7.7% 7.7% 19.1% 56.5% 20 % 55.8% 70% $714 55.2% 55.6% • $5 He 00alth care 55.0% spending as a share of GDP has been trending up. In 1960, 5 percent of GDP was $7,509 18.1% $65254.2% 18.1%18.1% 53.6% 17.7% 17.6% $573 $6,972 Source: Medical Expenditure Panel1 7 S.4 urv %ey - Insurance Component (MEPS-IC). 17.2% $6 1,7 77 .3 2% $6,715 $518 16.9% 2 $6,368 $446 $6,058 $6,101 spending on health care. $5,963 $5,832 15.6% $5,590 $5,571 50% 5% $5,332 $5,384 59% $5,222 60% $4,954 $4,940 $0 $4,669 • • G Ine 202 nera8, spen lly, large din em g on ploye hea rs h lth c ave stayed are in the t Un heited S courste a b tes is p y conro tinu jein cted t g to offe o rear ch he $6.2 alth c tover rillion a. ge to As a $4,386 15% $5,000 $4,118 2002 2003 2004 2005 2006 2007 2008 $320 ,9909 1 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 $3,705 $3,481 3 38.8% $3,189 the sh air wor re of tker he na s. N tion' early all s GD l Pa , rge spe em ndin ploy g on ers off health c ered are he is alth c proje over cted age be to ac for cou e en nt for actme 19.7 nt p of the ercen t. $2,889 40% $2,655 36.3% 35.9% 36.1% 36.1% 36.1% 35.7% $2,325 50% $2,174 $1,992$2,051 0% Affordable Care Act (ACA) and continued to do so through 2019. Over this period, the Source: Medical Expenditure Panel Survey - Insurance Component (MEPS-IC). 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 10 % 30% 40% percentage of employers with 1,000 or more employees that offered coverage was consistently 40% $0 Source: Medical Expenditure Panel Survey - Insurance Component (MEPS-IC). above 99 percent. 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Employ er and Worker Spending on Health Care Figure 2 20% 5% 30% Percentage of Private-Sector Establishments That Offer Health Source: Medical Expenditure Panel Survey - Insurance Component (MEPS-IC). • About one-third of total health care spending in the United States, or $1.2 trillion, was spent on Insurance, by Establishment Size, 2013 –2019 Enrollment by Type of Health Plan 10% • The average copayment for an office visit increased from $15.38 in 2002 to $26.68 in 2019. 4 health insurance premiums and out-of-pocket payments by employers and individuals. 20% 17% 0% Less Than 10 Employees 10 –24 employees 25 –99 employees 100 –999 employees 1,000 or More Employees • Workers paid an average of $1,489 for employee-only coverage and $5,726 for family coverage 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 13% • E mployers paid $551.6 billion toward health insurance premiums for their workers. Workers • Preferred provider organizations (PPOs 12% ) are the most common type of health plan, covering 47 0% in 2019. 10% 2013 2014 2015 2016 2017 2018 2019 paid $288.2 billion toward health insuranFigure ce prem 9 iums as well. Another $406.5 billion was spent percent of workers in 2020. High-deductible health plans covered 31 percent of workers; health Source: Medical Expenditure Panel Survey - Insurance Component (MEPS-IC). Figure 5 Average Copayment and Coinsurance for a Physician Office Visit on out-of-pocket expenses for health care services. m aintenance organizations (HMOs) covered 13 percent, and point-of-service plans covered 8 Source: EmpA loyv ee erage Benefit Re Tsot eaal rch IEmp nstitute lo estiy mee ates f Co romnt theribu Curretio nt Pon puT lati ow on Sard urvey, Healt March 2h 014In –2su 020 rance Supplements. 0% 7 Among Workers in Private-Sector Establishments With Copayments or 99.4% 99.8% 99.4% 99.6% per cent. 99.3% 99.2% 99.3% Total Fewer Than 10 10 –24 Employees 25 –99 Employees 100 –999 Employees 1,000 or More Premium Among Employees at Private-Sector Establishments, 1996 – 100% Coinsurance, 2002 –2019 Employees Employees 2019 $7,000 96.3% 96.3% 96.4% 96.5% Out •- of- Ve Po ry fe So c uk rce ew w : t S Medip corke ae l En xpdi ers ndng itu do re P for n ano et l Healt Sh ura veve to y-Insh Ca ura95.1% p ncea Co r y e ma Se pn onyt er nh t vic (in MEg P e Ss for -IC). health insurance coverage. In 2019, only Average Copayment Average Coinsurance 93.4% 92.5% • The percentage of workers, non-working adults, and children with employment-based health Percentage of Employers Offering Coverage Employee-Only Coverage Family Coverage $40 25% 13.5 percent of workers were not required to make a contribution for employee-only coverage, 80% benefits has been relatively steady since 2013. • When workers and their families use health care services, they are finding their cost for those a$6 n,00 d 0only 7.7 percent were not required to make a contribution for family coverage. In contrast, • Large r em 77.2% ployers are much more likely than smaller employers to offer health benefi $ts 5,726to 76.3% 74.6% 74.6% 73.9% 73.5% 73.8% $35 services are increasing because cost sharing, such as deductibles and copayments, is $5,431 Likelihwor in oo 199 d ker of Hav 6, s. 37 Ne .1 ia ng rly all per Ecmp e p nt riva lo ofy wor te m-e se nt ker c- to s we Br e asm e re d H ploy not e ealth rs requi wiI th re ns d 1,0 uran to00 ma or ce ke a more con em tribution ployee for e s offem reploy d he ea elth -only • Workers in large firms were much more likely than workers in small firms to be enrolled in a $5,218 60% increasing. 20% $4,956 20.5% coverage and 19.3 percent were not required to make a contribution for family coverage. b se elf n-ein fisu ts re ind 201 plan 9, . and 96.5 percent of those with 100–999 employees did so as well. In 20.1% 20.1% 20.2% $5,000 20.0% $30 19.8% $4,710 55.3% • Historic ally, workers more likely to have employment-based health insurance include those 19.2% 19.0% $4,518 52.0% 51.6% 18.9% 18.9% 18.8% $4,421 c ontrast, 76.3 18per .6% cent of employers wi 18.6% th 25–99 employees, 52 percent of employers with 10–24 18.5% 48.9% 49.4% 49.2% 49.4% 18.3% 18.0% $4,236 • e Am m 40% ploy ong ein d div in idu thea p ls with ublic a se d cto educ r, those tible, em thepl ave oyed in rage m dedu anucfa tib cturin le incgre , those ased fr w oorkin m $44 g 6 to for la $1 rge ,931 r 17.4% e mployees, and 23 percent of employers with fewer than$ 10 e 3,962 mployees offered health benefits. • I$2 n5 recent years, the percentage of firms offering a self-insured plan and the p $26.81 ercentage of $26.68 $26.50 $25.89 15% $4,000 e frm om ploy 20e02 rs, tfu o ll 2019 -time a and mon g futhose ll-year wi wor th em kersplo , those yee-on wily th c $a 3over ,7n 21nua age. An l earnin d it gs in abo creve $5 ased 0,0 from $9 00, an 58 d to $25.04 $24.77 $24.31 wor kers in a self-insured plan have been relatively unchanged. $3,474 $23.77 6 $3,394 $23.34 28.0% $22.82 $3, union 655 me am mon ber g stho . se with family coverage. 20% 25.7% $20 $21.53 23.5% 23.1% 23.0% 22.7% 21.7% $20.53 $2,890 $3,000 $19.33 $18.76 $2,585 $18.01 10% $2,438 $15 $16.51 $2,283 0% $15.38 1 5 2013 2014 2015 2016 2017 2018 2019 S http ee sFron ://wsw tin, w.cPm aul s.g , o “Afte v/Rer sYe eaa rcrs h -o Sf ta Eros tistics ion $1- ,9Dat ,8 7Mo ar-e a nd Emp -Sy loy ste ems rs a /S re ta Offe tisticring s-Tre Hnd eas lth -and Cove - rage; Worker Eligibility Higher,” EBRI $2,000 $1,741 R Ise sp uo erts Bri /Na ef,tional no. 455 Hea(lthExp Employ end eeDat Bea ne /Na fit tional Resea Hrc ea h lthAc Instit co ut un e,ts Au His gus toric t 2018) al , https://www.ebri.org/health/publications/issue- $1,614 $10 $1,489 Source: Medical Ex$ pe 1,4 nd 38 iture Panel Survey - Insurance Component (MEPS-IC). $1,415$1,427 $1,382 briefs/content/after-years-of-erosion-more-employers-are-offering-health-coverage-worker-eligibility $- 1hig ,325her $1,305 $1,275 $1,234$1,255 5% $1,170 $1,118 2 $1,090 $1,021 https://www.cms.gov/files/zip/nhe-summary-including-share-gdp-cy-1960-2019.zip $957 $882 $5 $788 6 $1,000 $723 $671 See Fron stin, Paul, “Sources of Health Insurance Coverage: A Look at Changes Between 2013 and 2014 from the March $606 $565 $498 $450 3 $420 $383 $342 2014 https a:nd //w 2015 ww.c Curre ms.go $320 nt v/P file op sula /dotion cume Surve nt/nh y,e” -p EB roR je I cIs tions sue -Bri 2019 ef,- 2028 no. 419 -fore (Emp castloy -summa ee Bery ne .p fit dfR esearch Institute, October 2018), • In contrast to large employers, small and medium-sized companies did not stay the course. The 7 http See s: / Fi /w gure w$0 w .5. eb 1 ri.o in rg http /re stir :// ew me ww nt/ .kp ffub .oli rg ca /re tions port /is -sseue ctio -bn/ rie efs hb /c so -2020 ntent/ -sse umma ction-ry 5-/ma sour rkc ee t-ss-ha of-re he sa -of lth -he -ins alth ura -nc plaens -c/o verage- 0% a-look-at- percentage of small and medium-sized employers offering health benefits has been trending $0 4 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 c ha http ngse:s // -b wew tw we .c em n-s2013 .gov/-file and s- /2014 zip/nh -fro e-ta mb -the les.-zma ip rch-2014-and-2015-current-population-survey-3280 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Source: Medical Expenditure Panel Survey - Insurance Component (MEPS-IC). Source: Medical Expenditure Panel Survey - Insurance Component (MEPS-IC).