Chartbook #27: MEPS Insurance Component Presentation 2022
Exhibit ES.1: Percentage (standard error) of private-sector employees in establishments that offer health insurance, by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 86.5% | 85.3%* | 84.7% | 84.9% | 83.2%* | 83.8% | 84.3% | 84.5% | 84.6% | 85.3%* | 86.9%* | 85.7%* | 85.6% |
| (Standard Error) | (0.2%) | (0.2%) | (0.3%) | (0.3%) | (0.3%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.3%) | (0.3%) |
| <50 | 57.8% | 54.7%* | 52.9%* | 53.1% | 49.8%* | 47.6%* | 47.7% | 48.3% | 47.3% | 50.7%* | 50.5% | 50.4% | 52.6%*^ |
| (Standard Error) | (0.5%) | (0.4%) | (0.6%) | (0.7%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.7%) | (0.7%) | (0.7%) | (0.8%) |
| 50-99 | 87.3% | 85.6% | 84.1% | 87.0% | 83.0%* | 85.3% | 88.6%* | 86.3% | 88.0% | 88.0% | 88.5% | 90.3% | 91.7%^ |
| (Standard Error) | (0.9%) | (1.0%) | (1.4%) | (1.0%) | (1.3%) | (1.2%) | (1.0%) | (1.2%) | (1.1%) | (1.1%) | (1.2%) | (1.2%) | (1.0%) |
| 100+ | 98.5% | 98.1% | 98.2% | 98.0% | 97.3%* | 98.8%* | 98.9% | 98.9% | 99.0% | 99.0% | 98.8% | 98.9% | 98.7% |
| (Standard Error) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.1%) | (0.2%) | (0.2%) | (0.1%) | (0.2%) | (0.2%) | (0.2%) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.2: Percentage (standard error) of private-sector employees in establishments that offer health insurance, by State, firm size <50 employees, 3-year average, 2020-2022
TABLE SUMMARY
| Alabama | 56.2% | Kentucky | 44.9%* | North Dakota | 55.9% |
|---|---|---|---|---|---|
| (Standard Error) | (2.6%) | (Standard Error) | (2.9%) | (Standard Error) | (2.5%) |
| Alaska | 33.0%* | Louisiana | 48.7% | Ohio | 50.3% |
| (Standard Error) | (2.6%) | (Standard Error) | (2.9%) | (Standard Error) | (2.8%) |
| Arizona | 49.4% | Maine | 47.4% | Oklahoma | 58.5%* |
| (Standard Error) | (2.9%) | (Standard Error) | (2.4%) | (Standard Error) | (2.4%) |
| Arkansas | 41.7%* | Maryland | 57.3%* | Oregon | 53.3% |
| (Standard Error) | (2.8%) | (Standard Error) | (2.7%) | (Standard Error) | (2.4%) |
| California | 55.0%* | Massachusetts | 59.9%* | Pennsylvania | 56.3%* |
| (Standard Error) | (1.6%) | (Standard Error) | (2.7%) | (Standard Error) | (2.1%) |
| Colorado | 55.3% | Michigan | 50.2% | Rhode Island | 57.2%* |
| (Standard Error) | (2.7%) | (Standard Error) | (2.5%) | (Standard Error) | (2.9%) |
| Connecticut | 54.9% | Minnesota | 49.0% | South Carolina | 37.6%* |
| (Standard Error) | (2.6%) | (Standard Error) | (2.4%) | (Standard Error) | (2.7%) |
| Delaware | 48.3% | Mississippi | 54.1% | South Dakota | 48.4% |
| (Standard Error) | (2.9%) | (Standard Error) | (2.7%) | (Standard Error) | (2.3%) |
| District of Columbia | 73.7%* | Missouri | 53.7% | Tennessee | 47.9% |
| (Standard Error) | (2.8%) | (Standard Error) | (2.6%) | (Standard Error) | (2.8%) |
| Florida | 40.7%* | Montana | 42.0%* | Texas | 47.4% |
| (Standard Error) | (2.1%) | (Standard Error) | (2.3%) | (Standard Error) | (2.0%) |
| Georgia | 46.4% | Nebraska | 43.1%* | Utah | 42.5%* |
| (Standard Error) | (2.7%) | (Standard Error) | (2.6%) | (Standard Error) | (2.6%) |
| Hawaii | 90.6%* | Nevada | 50.9% | Vermont | 50.3% |
| (Standard Error) | (1.3%) | (Standard Error) | (3.0%) | (Standard Error) | (2.3%) |
| Idaho | 41.5%* | New Hampshire | 52.7% | Virginia | 56.2% |
| (Standard Error) | (2.6%) | (Standard Error) | (2.8%) | (Standard Error) | (2.7%) |
| Illinois | 55.8%* | New Jersey | 56.8%* | Washington | 54.3% |
| (Standard Error) | (2.0%) | (Standard Error) | (2.7%) | (Standard Error) | (2.7%) |
| Indiana | 45.9%* | New Mexico | 44.1%* | West Virginia | 42.7%* |
| (Standard Error) | (2.5%) | (Standard Error) | (2.6%) | (Standard Error) | (2.8%) |
| Iowa | 52.8% | New York | 56.1%* | Wisconsin | 50.3% |
| (Standard Error) | (2.5%) | (Standard Error) | (1.9%) | (Standard Error) | (2.4%) |
| Kansas | 54.7% | North Carolina | 42.7%* | Wyoming | 39.5%* |
| (Standard Error) | (2.6%) | (Standard Error) | (2.6%) | (Standard Error) | (2.3%) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2020-2022.
Note: * Statistically different from the national average of 51.2 percent at p < 0.05. Note that the standard error on the national estimate of 51.2 percent is 0.4 percent.
Note: * Statistically different from the national average of 51.2 percent at p < 0.05. Note that the standard error on the national estimate of 51.2 percent is 0.4 percent.
Exhibit ES.3: Coverage Rate Percentage (standard error) of private-sector employees who are enrolled in health insurance at establishments that offer health insurance, overall and by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 59.8% | 59.4% | 58.9% | 58.2% | 57.8% | 57.0% | 56.0% | 56.5% | 56.5% | 55.8% | 57.0% | 56.0% | 55.8% |
| (Standard Error) | (0.5%) | (0.2%) | (0.4%) | (0.3%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.5%) | (0.4%) | (0.4%) | (0.4%) |
| <50 | 59.2% | 58.6% | 57.7% | 57.1% | 56.8% | 57.0% | 55.5% | 55.4% | 56.2% | 53.9%* | 55.1% | 53.8% | 53.1%^ |
| (Standard Error) | (0.6%) | (0.5%) | (0.5%) | (0.5%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.7%) | (0.7%) | (0.7%) |
| 50-99 | 55.9% | 54.9% | 55.4% | 54.7% | 54.5% | 55.8% | 51.2%* | 52.2% | 50.3% | 53.8%* | 53.4% | 51.3% | 50.3%^ |
| (Standard Error) | (0.8%) | (1.0%) | (1.2%) | (0.8%) | (1.3%) | (1.2%) | (1.2%) | (1.2%) | (1.2%) | (1.2%) | (1.3%) | (1.3%) | (1.4%) |
| 100+ | 60.4% | 60.0% | 59.5% | 58.8% | 58.3% | 57.1% | 56.6% | 57.1% | 57.1% | 56.4% | 57.7% | 56.9% | 56.9% |
| (Standard Error) | (0.6%) | (0.3%) | (0.4%) | (0.3%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.6%) | (0.5%) | (0.5%) | (0.6%) |
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector
establishments, 2010-2022.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.4: Eligibility Rate Percentage (standard error) of private-sector employees eligible for health insurance at establishments that offer health insurance, overall and by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 78.2% | 78.0% | 77.8% | 77.8% | 75.4%* | 76.0% | 76.5% | 76.8% | 78.0%* | 77.7% | 80.5%* | 80.3% | 80.8% |
| (Standard Error) | (0.5%) | (0.4%) | (0.3%) | (0.2%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) |
| <50 | 78.6% | 78.7% | 77.9% | 78.0% | 77.7% | 79.1% | 78.7% | 78.3% | 79.1% | 78.1% | 80.2%* | 79.7% | 79.3%^ |
| (Standard Error) | (0.5%) | (0.6%) | (0.5%) | (0.4%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.7%) |
| 50-99 | 74.5% | 73.6% | 76.4% | 76.2% | 74.1% | 77.8%* | 76.2% | 75.5% | 75.6% | 78.1% | 77.6% | 79.2% | 77.8%^ |
| (Standard Error) | (0.6%) | (1.0%) | (1.2%) | (0.8%) | (1.4%) | (1.2%) | (1.2%) | (1.2%) | (1.2%) | (1.2%) | (1.4%) | (1.3%) | (1.3%) |
| 100+ | 78.5% | 78.3% | 77.9% | 77.9% | 75.0%* | 75.2% | 76.0% | 76.6% | 78.0% | 77.5% | 80.8%* | 80.5% | 81.5% |
| (Standard Error) | (0.6%) | (0.4%) | (0.3%) | (0.3%) | (0.5%) | (0.5%) | (0.4%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.4%) | (0.4%) |
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector
establishments, 2010-2022.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.5: Take-Up Rate Percentage (standard error) of eligible private-sector employees who are enrolled in health insurance at establishments that offer health insurance, overall and by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 76.5% | 76.1% | 75.8% | 74.8%* | 76.7%* | 75.0%* | 73.3%* | 73.5% | 72.4%* | 71.9% | 70.8%* | 69.8% | 69.0% |
| (Standard Error) | (0.2%) | (0.3%) | (0.3%) | (0.2%) | (0.3%) | (0.3%) | (0.3%) | (0.3%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) | (0.5%) |
| <50 | 75.3% | 74.4% | 74.1% | 73.1% | 73.0% | 72.1% | 70.4%* | 70.7% | 71.0% | 69.0%* | 68.7% | 67.5% | 67.0%^ |
| (Standard Error) | (0.6%) | (0.4%) | (0.4%) | (0.6%) | (0.5%) | (0.5%) | (0.5%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.7%) | (0.7%) |
| 50-99 | 75.1% | 74.5% | 72.5% | 71.8% | 73.5% | 71.7% | 67.2%* | 69.1% | 66.6% | 68.9% | 68.8% | 64.7%* | 64.6%^ |
| (Standard Error) | (0.7%) | (0.6%) | (0.8%) | (1.0%) | (1.0%) | (1.1%) | (1.2%) | (1.1%) | (1.1%) | (1.0%) | (1.0%) | (1.2%) | (1.4%) |
| 100+ | 76.9% | 76.7% | 76.4% | 75.5%* | 77.8%* | 76.0%* | 74.4%* | 74.5% | 73.3%* | 72.7% | 71.4%* | 70.7% | 69.9% |
| (Standard Error) | (0.3%) | (0.3%) | (0.4%) | (0.3%) | (0.3%) | (0.3%) | (0.4%) | (0.4%) | (0.4%) | (0.5%) | (0.4%) | (0.5%) | (0.6%) |
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector
establishments, 2010-2022.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.6: Percentage (standard error) of private-sector employees working in establishments that offer two or more health insurance plans, overall and by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 65.6% | 65.5% | 65.3% | 66.0% | 67.0% | 70.2%* | 71.7% | 72.4% | 75.7%* | 75.8% | 73.8%* | 73.9% | 74.2% |
| (Standard Error) | (0.8%) | (0.5%) | (0.7%) | (0.6%) | (0.6%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.6%) | (0.6%) | (0.6%) |
| <50 | 26.7% | 27.2% | 29.3% | 28.4% | 29.6% | 33.6%* | 34.2% | 34.9% | 37.8%* | 41.4%* | 39.9% | 41.0% | 42.9%^ |
| (Standard Error) | (0.8%) | (0.9%) | (0.8%) | (1.0%) | (0.9%) | (1.1%) | (1.0%) | (1.0%) | (1.0%) | (1.1%) | (1.1%) | (1.1%) | (1.2%) |
| 50-99 | 44.1% | 46.8% | 43.7% | 46.6% | 46.8% | 50.2% | 56.2%* | 59.3% | 56.4% | 58.7% | 58.6% | 60.8% | 57.9%^ |
| (Standard Error) | (1.9%) | (2.2%) | (1.7%) | (2.2%) | (2.1%) | (2.2%) | (2.0%) | (1.9%) | (1.9%) | (2.0%) | (2.1%) | (2.2%) | (2.3%) |
| 100+ | 77.3% | 76.3% | 75.7% | 76.5% | 77.0% | 79.7%* | 80.7% | 81.0% | 84.7%* | 84.5% | 81.0%* | 81.7% | 82.9% |
| (Standard Error) | (1.0%) | (0.7%) | (0.7%) | (0.7%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.5%) | (0.6%) | (0.6%) | (0.6%) | (0.7%) |
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector
establishments, 2010-2022.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Denominator: Within each category, all employees in establishments that offer health insurance.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.7: Percentage (standard error) of private-sector establishments that offer health insurance that self-insure at least one plan, overall and by detailed firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 35.8% | 36.9% | 37.2% | 37.6% | 37.2% | 39.0%* | 40.7%* | 39.2% | 38.7% | 39.4% | 41.9%* | 40.1% | 38.2% |
| (Standard Error) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.6%) | (0.6%) | (0.6%) | (0.6%) | (0.7%) | (0.7%) | (0.7%) |
| <10 | 13.1% | 12.6% | 14.9% | 15.2% | 14.4% | 15.8% | 19.3%* | 17.7% | 13.1%* | 14.8% | 17.6% | 18.9% | 18.2%^ |
| (Standard Error) | (0.5%) | (0.8%) | (0.9%) | (0.4%) | (0.8%) | (1.0%) | (1.4%) | (1.4%) | (1.1%) | (1.3%) | (1.7%) | (1.7%) | (1.7%) |
| 10-24 | 11.6% | 9.9% | 10.7% | 9.0% | 12.0%* | 10.6% | 13.6%* | 13.3% | 13.8% | 12.2% | 13.1% | 12.0% | 15.1%^ |
| (Standard Error) | (0.8%) | (0.7%) | (0.7%) | (0.7%) | (1.0%) | (1.0%) | (1.1%) | (1.2%) | (1.2%) | (1.1%) | (1.2%) | (1.0%) | (1.4%) |
| 25-99 | 14.3% | 12.2%* | 13.5% | 12.4% | 12.2% | 13.7% | 16.6%* | 16.0% | 12.9%* | 17.2%* | 16.3% | 17.7% | 19.1%^ |
| (Standard Error) | (0.7%) | (0.7%) | (0.7%) | (0.7%) | (0.8%) | (0.9%) | (0.9%) | (0.9%) | (0.8%) | (0.9%) | (0.9%) | (1.0%) | (1.1%) |
| 100-999 | 30.9% | 31.7% | 30.1% | 30.1% | 32.5% | 33.7% | 34.4% | 37.2% | 35.1% | 33.9% | 35.8% | 38.0% | 41.2%^ |
| (Standard Error) | (0.9%) | (1.1%) | (0.8%) | (1.0%) | (1.2%) | (1.2%) | (1.2%) | (1.3%) | (1.2%) | (1.1%) | (1.2%) | (1.3%) | (1.4%) |
| 1,000+ | 86.6% | 87.5% | 87.1% | 88.0% | 84.2%* | 83.8% | 81.9% | 78.6%* | 81.6%* | 83.1% | 77.8%* | 78.1% | 74.6%* |
| (Standard Error) | (0.6%) | (0.5%) | (0.7%) | (0.5%) | (0.8%) | (0.8%) | (0.8%) | (0.8%) | (0.8%) | (0.8%) | (0.9%) | (0.9%) | (0.9%) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <10, 10-24, 25-99, and 100-999 employees are statistically different from the estimate for firms with 1,000+ employees at p < 0.05. This test is conducted for 2022 only.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <10, 10-24, 25-99, and 100-999 employees are statistically different from the estimate for firms with 1,000+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.8: Average total premiums (standard error) per enrolled employee for single, employee-plus-one and family coverage, 2010-2022
TABLE SUMMARY
| Coverage | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Single | $4,940 | $5,222* | $5,384* | $5,571* | $5,832* | $5,963* | $6,101* | $6,368* | $6,715* | $6,972* | $7,149* | $7,380* | $7,590* |
| (Standard Error) | ($22) | ($26) | ($28) | ($23) | ($25) | ($26) | ($27) | ($28) | ($31) | ($35) | ($35) | ($37) | ($38) |
| Plus One | $9,664 | $10,329* | $10,621* | $10,990* | $11,503* | $11,800* | $12,124* | $12,789* | $13,425* | $13,989* | $14,191 | $14,634* | $14,943* |
| (Standard Error) | ($60) | ($105) | ($56) | ($54) | ($60) | ($58) | ($60) | ($70) | ($70) | ($83) | ($93) | ($84) | ($91) |
| Family | $13,871 | $15,022* | $15,473* | $16,029* | $16,655* | $17,322* | $17,710* | $18,687* | $19,565* | $20,486* | $20,758 | $21,381* | $21,931* |
| (Standard Error) | ($75) | ($98) | ($95) | ($61) | ($79) | ($95) | ($84) | ($105) | ($104) | ($125) | ($124) | ($111) | ($122) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05.
Exhibit ES.9: Percentage change (standard error) in total premiums from previous year per enrolled employee for single, employee-plus-one, and family coverage, 2010-2022
TABLE SUMMARY
| Year | Single | Plus one | Family |
|---|---|---|---|
| 2010 | 5.8%* | 6.7%* | 6.5%* |
| (Standard Error) | ($0.7%) | ($0.8%) | ($0.6%) |
| 2011 | 5.7%* | 6.9%* | 8.3%* |
| (Standard Error) | ($0.7%) | ($1.3%) | ($0.9%) |
| 2012 | 3.1%* | 2.8%* | 3.0%* |
| (Standard Error) | ($0.7%) | ($1.2%) | ($0.9%) |
| 2013 | 3.5%* | 3.5%* | 3.6%* |
| (Standard Error) | ($0.7%) | ($0.7%) | ($0.7%) |
| 2014 | 4.7%* | 4.7%* | 3.9%* |
| (Standard Error) | ($0.6%) | ($0.7%) | ($0.6%) |
| 2015 | 2.2%* | 2.6%* | 4.0%* |
| (Standard Error) | ($0.6%) | ($0.7%) | ($0.8%) |
| 2016 | 2.3%* | 2.7%* | 2.2%* |
| (Standard Error) | ($0.6%) | ($0.7%) | ($0.7%) |
| 2017 | 4.4%* | 5.5%* | 5.5%* |
| (Standard Error) | ($0.7%) | ($0.8%) | ($0.8%) |
| 2018 | 5.4%* | 5.0%* | 4.7%* |
| (Standard Error) | ($0.7%) | ($0.8%) | ($0.8%) |
| 2019 | 3.8%* | 4.2%* | 4.7%* |
| (Standard Error) | ($0.7%) | ($0.8%) | ($0.8%) |
| 2020 | 2.5%* | 1.4% | 1.3% |
| (Standard Error) | ($0.7%) | ($0.9%) | ($0.9%) |
| 2021 | 3.2%* | 3.1%* | 3.0%* |
| (Standard Error) | ($0.7%) | ($0.9%) | ($0.8%) |
| 2022 | 2.8%* | 2.1%* | 2.6%* |
| (Standard Error) | ($0.7%) | ($0.9%) | ($0.8%) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from zero at p < 0.05.
Note: * indicates the estimate is statistically different from zero at p < 0.05.
Exhibit ES.10: Average total single premium (standard error) per enrolled employee, by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | $4,940 | $5,222* | $5,384* | $5,571* | $5,832* | $5,963* | $6,101* | $6,368* | $6,715* | $6,972* | $7,149* | $7,380* | $7,590* |
| (Standard Error) | ($22) | ($26) | ($28) | ($23) | ($25) | ($26) | ($27) | ($28) | ($31) | ($35) | ($35) | ($37) | ($38) |
| <50 | $4,956 | $5,258* | $5,460* | $5,628* | $5,886* | $5,947 | $6,070 | $6,421* | $6,667* | $6,920* | $7,045 | $7,382* | $7,513 |
| (Standard Error) | ($34) | ($39) | ($60) | ($39) | ($55) | ($55) | ($53) | ($61) | ($63) | ($73) | ($70) | ($84) | ($81) |
| 50-99 | $4,713 | $4,861 | $5,246* | $5,314 | $5,549* | $5,642 | $5,743 | $6,163* | $6,287 | $6,629* | $6,870 | $7,189 | $7,465 |
| (Standard Error) | ($52) | ($75) | ($39) | ($73) | ($82) | ($104) | ($96) | ($121) | ($111) | ($99) | ($129) | ($129) | ($153) |
| 100+ | $4,959 | $5,252* | $5,378* | $5,584* | $5,851* | $6,006* | $6,146* | $6,377* | $6,770* | $7,019* | $7,197* | $7,399* | $7,622* |
| (Standard Error) | ($23) | ($31) | ($28) | ($29) | ($30) | ($31) | ($32) | ($33) | ($37) | ($42) | ($41) | ($43) | ($45) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.11: Average total employee-plus-one premium (standard error) per enrolled employee, by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | $9,664 | $10,329* | $10,621* | $10,990* | $11,503* | $11,800* | $12,124* | $12,789* | $13,425* | $13,989* | $14,191 | $14,634* | $14,943* |
| (Standard Error) | ($60) | ($105) | ($56) | ($54) | ($60) | ($58) | ($60) | ($70) | ($70) | ($83) | ($93) | ($84) | ($91) |
| <50 | $9,850 | $10,253* | $10,524 | $11,050* | $11,386 | $11,666 | $11,833 | $12,558* | $13,044* | $13,619 | $13,522 | $14,326* | $14,093^ |
| (Standard Error) | ($80) | ($104) | ($121) | ($92) | ($163) | ($158) | ($156) | ($170) | ($176) | ($248) | ($212) | ($262) | ($240) |
| 50-99 | $9,166 | $9,615* | $10,178* | $10,673 | $10,845 | $10,885 | $11,389 | $11,931 | $12,593* | $13,248 | $13,766 | $14,314 | $14,458 |
| (Standard Error) | ($124) | ($192) | ($185) | ($330) | ($187) | ($198) | ($227) | ($232) | ($236) | ($321) | ($246) | ($295) | ($350) |
| 100+ | $9,669 | $10,394* | $10,672* | $11,006* | $11,571* | $11,892* | $12,225* | $12,878* | $13,537* | $14,105* | $14,304 | $14,703* | $15,117* |
| (Standard Error) | ($62) | ($113) | ($70) | ($59) | ($68) | ($66) | ($68) | ($79) | ($79) | ($92) | ($106) | ($93) | ($103) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.12: Average total family premium (standard error) per enrolled employee, by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | $13,871 | $15,022* | $15,473* | $16,029* | $16,655* | $17,322* | $17,710* | $18,687* | $19,565* | $20,486* | $20,758 | $21,381* | $21,931* |
| (Standard Error) | ($75) | ($98) | ($95) | ($61) | ($79) | ($95) | ($84) | ($105) | ($104) | ($125) | ($124) | ($111) | ($122) |
| <50 | $13,170 | $14,086* | $14,496 | $14,787 | $15,575* | $15,919 | $16,471 | $17,649* | $18,296* | $19,417* | $19,416 | $20,406* | $20,406^ |
| (Standard Error) | ($111) | ($145) | ($181) | ($89) | ($177) | ($212) | ($207) | ($192) | ($231) | ($303) | ($283) | ($320) | ($310) |
| 50-99 | $13,019 | $14,151* | $15,421* | $15,376 | $15,732 | $16,336 | $16,214 | $17,735* | $18,386 | $19,893* | $19,827 | $20,551 | $21,289^ |
| (Standard Error) | ($153) | ($168) | ($273) | ($268) | ($274) | ($335) | ($348) | ($327) | ($473) | ($435) | ($422) | ($396) | ($451) |
| 100+ | $14,074 | $15,245* | $15,641* | $16,284* | $16,903* | $17,612* | $18,000* | $18,911* | $19,824* | $20,697* | $20,990 | $21,584* | $22,228* |
| (Standard Error) | ($85) | ($117) | ($114) | ($82) | ($91) | ($110) | ($95) | ($122) | ($118) | ($143) | ($139) | ($124) | ($139) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.13: Average total single premium (standard error) per enrolled employee, by State, 3-year average, 2020-2022
TABLE SUMMARY
| Alabama | $6,543* | Kentucky | $7,020* | North Dakota | $7,413 |
| (Standard Error) | ($106) | (Standard Error) | ($92) | (Standard Error) | ($96) |
|---|---|---|---|---|---|
| Alaska | $8,681* | Louisiana | $6,902* | Ohio | $7,252 |
| (Standard Error) | ($188) | (Standard Error) | ($106) | (Standard Error) | ($109) |
| Arizona | $6,816* | Maine | $7,653* | Oklahoma | $6,852* |
| (Standard Error) | ($125) | (Standard Error) | ($101) | (Standard Error) | ($93) |
| Arkansas | $6,493* | Maryland | $7,536 | Oregon | $7,097 |
| (Standard Error) | ($113) | (Standard Error) | ($117) | (Standard Error) | ($159) |
| California | $7,379 | Massachusetts | $7,827* | Pennsylvania | $7,556* |
| (Standard Error) | ($85) | (Standard Error) | ($117) | (Standard Error) | ($96) |
| Colorado | $6,993* | Michigan | $7,016* | Rhode Island | $7,789* |
| (Standard Error) | ($118) | (Standard Error) | ($130) | (Standard Error) | ($119) |
| Connecticut | $7,747* | Minnesota | $7,229 | South Carolina | $7,300 |
| (Standard Error) | ($117) | (Standard Error) | ($132) | (Standard Error) | ($98) |
| Delaware | $7,709* | Mississippi | $6,689* | South Dakota | $7,257 |
| (Standard Error) | ($167) | (Standard Error) | ($105) | (Standard Error) | ($93) |
| District of Columbia | $8,159* | Missouri | $7,339 | Tennessee | $6,768* |
| (Standard Error) | ($145) | (Standard Error) | ($119) | (Standard Error) | ($101) |
| Florida | $7,336 | Montana | $7,309 | Texas | $7,154 |
| (Standard Error) | ($110) | (Standard Error) | ($121) | (Standard Error) | ($87) |
| Georgia | $7,125 | Nebraska | $7,613* | Utah | $6,640* |
| (Standard Error) | ($140) | (Standard Error) | ($102) | (Standard Error) | ($140) |
| Hawaii | $6,907* | Nevada | $6,658* | Vermont | $8,034* |
| (Standard Error) | ($93) | (Standard Error) | ($123) | (Standard Error) | ($101) |
| Idaho | $6,862* | New Hampshire | $7,934* | Virginia | $7,259 |
| (Standard Error) | ($127) | (Standard Error) | ($126) | (Standard Error) | ($132) |
| Illinois | $7,362 | New Jersey | $7,646* | Washington | $7,314 |
| (Standard Error) | ($100) | (Standard Error) | ($139) | (Standard Error) | ($125) |
| Indiana | $7,453 | New Mexico | $7,480 | West Virginia | $7,647* |
| (Standard Error) | ($112) | (Standard Error) | ($106) | (Standard Error) | ($156) |
| Iowa | $7,086 | New York | $8,423* | Wisconsin | $7,318 |
| (Standard Error) | ($130) | (Standard Error) | ($119) | (Standard Error) | ($105) |
| Kansas | $6,777* | North Carolina | $7,246 | Wyoming | $7,846* |
| (Standard Error) | ($108) | (Standard Error) | ($149) | (Standard Error) | ($175) |
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2020-2022.
Note: * Statistically different from national average of $7,322 at p < 0.05. Note that the standard error on the national estimate of $7,322 is $21.99.
Note: * Statistically different from national average of $7,322 at p < 0.05. Note that the standard error on the national estimate of $7,322 is $21.99.
Exhibit ES.14: Average percentage (standard error) of premium contributed by employees for single, employee-plus-one, and family coverage, 2010-2022
TABLE SUMMARY
| Coverage | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Single | 20.7% | 20.9% | 20.8% | 21.0% | 21.2% | 21.1% | 21.7%* | 22.2% | 21.3%* | 21.4% | 21.4% | 22.3%* | 21.6% |
| (Standard Error) | (0.2%) | (0.2%) | (0.3%) | (0.3%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.2%) | (0.3%) | (0.2%) | (0.2%) | (0.3%) |
| Plus One | 25.8% | 26.5% | 26.6% | 26.7% | 26.9% | 27.3% | 27.8% | 27.6% | 27.1% | 27.7% | 28.4% | 28.7% | 28.4% |
| (Standard Error) | (0.3%) | (0.3%) | (0.4%) | (0.2%) | (0.3%) | (0.3%) | (0.3%) | (0.3%) | (0.3%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) |
| Family | 26.8% | 26.4% | 27.4%* | 27.6% | 27.1% | 27.2% | 28.0% | 27.9% | 27.8% | 28.0% | 28.8% | 28.9% | 29.6% |
| (Standard Error) | (0.4%) | (0.3%) | (0.4%) | (0.3%) | (0.3%) | (0.3%) | (0.3%) | (0.4%) | (0.3%) | (0.4%) | (0.4%) | (0.4%) | (0.4%) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05.
Exhibit ES.15: Average annual employee contribution (in dollars) (standard error) for single, employee-plus-one, and family coverage, 2010-2022
TABLE SUMMARY
| Coverage | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Single | $1,021 | $1,090* | $1,118 | $1,170* | $1,234* | $1,255 | $1,325* | $1,415* | $1,427 | $1,489* | $1,532 | $1,643* | $1,637 |
| (Standard Error) | ($14) | ($9) | ($14) | ($16) | ($13) | ($14) | ($13) | ($15) | ($14) | ($18) | ($16) | ($19) | ($24) |
| Plus One | $2,498 | $2,736* | $2,824 | $2,940* | $3,097* | $3,220* | $3,376* | $3,531* | $3,634 | $3,881* | $4,035* | $4,199* | $4,237 |
| (Standard Error) | ($42) | ($36) | ($46) | ($23) | ($40) | ($35) | ($36) | ($39) | ($39) | ($54) | ($52) | ($64) | ($56) |
| Family | $3,721 | $3,962* | $4,236* | $4,421* | $4,518 | $4,710* | $4,956* | $5,218* | $5,431* | $5,726* | $5,978* | $6,174 | $6,492* |
| (Standard Error) | ($53) | ($42) | ($69) | ($50) | ($48) | ($56) | ($56) | ($64) | ($63) | ($82) | ($76) | ($87) | ($93) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05.
Exhibit ES.16: Percentage (standard error) of private-sector enrolled employees in a health insurance plan with a deductible, overall and by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | 77.5% | 77.8% | 79.6%* | 81.3% | 83.9%* | 85.4%* | 84.5% | 87.5%* | 87.3% | 86.6% | 89.2%* | 88.5% | 89.2% |
| (Standard Error) | (0.3%) | (0.7%) | (0.6%) | (0.7%) | (0.5%) | (0.5%) | (0.5%) | (0.4%) | (0.4%) | (0.5%) | (0.4%) | (0.5%) | (0.5%) |
| <50 | 75.7% | 76.3% | 79.5%* | 79.5% | 80.8% | 82.1% | 81.7% | 82.3% | 83.0% | 84.1% | 86.5%* | 86.0% | 84.8%^ |
| (Standard Error) | (0.7%) | (0.4%) | (1.0%) | (0.8%) | (0.8%) | (0.8%) | (0.8%) | (0.8%) | (0.8%) | (0.9%) | (0.8%) | (0.9%) | (0.9%) |
| 50-99 | 78.2% | 79.6% | 80.3% | 78.0% | 82.4%* | 85.3% | 82.5% | 83.7% | 85.1% | 87.5% | 89.0% | 89.7% | 86.9%^ |
| (Standard Error) | (1.5%) | (1.7%) | (1.4%) | (1.1%) | (1.5%) | (1.5%) | (1.5%) | (1.6%) | (1.4%) | (1.5%) | (1.5%) | (1.3%) | (1.6%) |
| 100+ | 77.8% | 77.9% | 79.6% | 81.9%* | 84.6%* | 86.1% | 85.2% | 88.8%* | 88.3% | 87.1% | 89.7%* | 88.8% | 90.3% |
| (Standard Error) | (0.3%) | (1.0%) | (0.7%) | (0.7%) | (0.6%) | (0.6%) | (0.6%) | (0.4%) | (0.5%) | (0.5%) | (0.5%) | (0.5%) | (0.6%) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Note: * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Exhibit ES.17: Average individual deductible (in dollars) (standard error) per employee enrolled with single coverage in a health insurance plan with a deductible, overall and by firm size, 2010-2022
TABLE SUMMARY
| Number of Employees | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| U.S. | $1,025 | $1,123* | $1,167* | $1,273* | $1,353* | $1,541* | $1,696* | $1,808* | $1,846 | $1,931* | $1,945 | $2,004* | $1,992 |
| (Standard Error) | ($18) | ($12) | ($8) | ($20) | ($13) | ($16) | ($16) | ($17) | ($17) | ($18) | ($18) | ($20) | ($22) |
| <50 | $1,447 | $1,561* | $1,628 | $1,695 | $1,777* | $1,964* | $2,105* | $2,136 | $2,327* | $2,386 | $2,376 | $2,485 | $2,499^ |
| (Standard Error) | ($21) | ($26) | ($25) | ($24) | ($28) | ($35) | ($34) | ($35) | ($36) | ($35) | ($39) | ($43) | ($39) |
| 50-99 | $1,522 | $1,543 | $1,622 | $1,755 | $1,744 | $2,008* | $2,173 | $2,361 | $2,369 | $2,441 | $2,464 | $2,378 | $2,596*^ |
| (Standard Error) | ($57) | ($49) | ($64) | ($49) | ($59) | ($62) | ($64) | ($85) | ($65) | ($67) | ($67) | ($74) | ($81) |
| 100+ | $852 | $951* | $989* | $1,106* | $1,205* | $1,383* | $1,558* | $1,681* | $1,692 | $1,778* | $1,814 | $1,865 | $1,814 |
| (Standard Error) | ($20) | ($14) | ($10) | ($19) | ($14) | ($18) | ($18) | ($20) | ($19) | ($21) | ($20) | ($23) | ($25) |
Source:
Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2010-2022.
Note: In 2015, the methodology for calibrating the upper edit bound for the individual deductible amount changed, causing the average individual deductible per employee enrolled with single coverage in a health insurance plan with a deductible to increase by about 5 percent at the national level in 2015 relative to the earlier methodology. * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
Note: In 2015, the methodology for calibrating the upper edit bound for the individual deductible amount changed, causing the average individual deductible per employee enrolled with single coverage in a health insurance plan with a deductible to increase by about 5 percent at the national level in 2015 relative to the earlier methodology. * indicates the estimate is statistically different from the previous year at p < 0.05. ^ indicates that the estimates for firms with <50 and 50-99 employees are statistically different from the estimate for firms with 100+ employees at p < 0.05. This test is conducted for 2022 only.
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