Health Benefits In 2018: Modest Growth In Premiums, Higher Worker Contributions At Firms With More Low-Wage Workers
Health Benefits In 2018: Modest Growth In Premiums, Higher Worker Contributions At Firms With More Low-Wage Workers
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DOI：
10.1377/hlthaff.2018.1001
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发表时间：
2018-11-01
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
年度亨利J.凯泽家庭基金会雇主健康福利调查发现，2018年，单身保险的平均年保费上涨3%至6，896美元，家庭保险的平均年保费上涨5%至19，616美元。平均而言，参保工人占单身保险费用的18%，占家庭保险费用的29%，各公司之间存在很大差异。85%的参保工人在使用大多数服务之前面临一般年度免赔额，其中包括29%的参保工人，他们参加了一个有储蓄选择的高免赔额健康计划。过去几年来，提供远程医疗服务的公司所占份额稳步增加。近四分之一的大型雇主预计，取消个人强制性计划将导致计划产品的使用率降低。
The annual Henry J. Kaiser Family Foundation Employer Health Benefits Survey found that in 2018 the average annual premium for single coverage rose 3 percent to $6,896 and the average annual premium for family coverage rose 5 percent to $19,616. Covered workers contributed 18 percent of the cost for single coverage and 29 percent of the cost for family coverage, on average, with considerable variation across firms. Eighty-five percent of covered workers face a general annual deductible before they use most services, including the 29 percent of covered workers who are enrolled in a high-deductible health plan with a savings option. The share of firms covering services provided via telemedicine has increased steadily over the past several years. Nearly a quarter of large employers expect the elimination of the individual mandate to result in lower take-up in plan offerings.