Health Benefits In 2019: Premiums Inch Higher, Employers Respond To Federal Policy
Health Benefits In 2019: Premiums Inch Higher, Employers Respond To Federal Policy
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DOI：
10.1377/hlthaff.2019.01026
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发表时间：
2019-10-01
期刊：
影响因子：
9.7
通讯作者：
Whitmore, Heidi
中科院分区：
文献类型：
--
作者：
Claxton, Gary;Rae, Matthew;Whitmore, Heidi
年度凯撒家庭基金会雇主健康福利调查发现，2019年，单身保险的平均年保费上涨4%至7，188美元，家庭保险的平均年保费上涨5%至20，576美元。平均而言，参保工人贡献了单身保险费用的18%和家庭保险费用的30%，各公司之间存在相当大的差异。57%的公司至少为部分员工提供健康福利。虽然一些较大的公司报告说，由于取消了个人强制罚款，雇用率下降，但他们自己公司的工人总比例（61%）与近年来的情况相似。大型雇主报告说，在过去几年中采取了各种措施来解决阿片类药物的流行问题。我们的研究结果为医疗保险改革在2020年选举周期中的作用提供了一些背景。
The annual Kaiser Family Foundation Employer Health Benefits Survey found that in 2019 the average annual premium for single coverage rose 4 percent to $7,188, and the average annual premium for family coverage rose 5 percent to $20,576. Covered workers contributed 18 percent of the cost for single coverage and 30 percent of the cost for family coverage, on average, with considerable variation across firms. Fifty-seven percent of firms offered health benefits to at least some of their workers. While some larger firms reported that take-up dropped because of the elimination of the individual mandate penalty, the overall share of workers covered at their own firm (61 percent) was similar to that in recent years. Large employers reported taking a variety of steps to address the opioid epidemic over the past few years. Our findings offer some context for the role of health insurance reform in the 2020 election cycle.