2011 Employer Health Benefits Chart Pack

1. Cumulative Increases in Health Insurance Premiums,
Workers’ Contributions to Premiums, Inflation, and
Workers’ Earnings, 1999-2011
Source: Kaiser/HRET Survey of Employer-Sponsored Health
Benefits, 1999-2011. Bureau of Labor Statistics, Consumer
Price Index, U.S. City Average of Annual Inflation (April to
April), 1999-2011; Bureau of Labor Statistics, Seasonally
Adjusted Data from the Current Employment Statistics Survey,
1999-2011 (April to April).

2. Average Annual Premiums for Single and Family
Coverage, 1999-2011
* Estimate is statistically different from estimate for the previous year shown (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2011.

3. Average Annual Worker Premium Contributions Paid by
Covered Workers for Single and Family Coverage, 1999-2011
*Estimate is statistically different from estimate for the previous year shown (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2011.

4. Average Annual Worker Premium Contributions and Total
Premiums for Covered Workers, Single and Family Coverage, by
Firm Size, 2011
Single Coverage Family Coverage
* Estimates are statistically different between All
Small Firms and All Large Firms (p<.05).
Source: Kaiser/HRET Survey of Employer-
Sponsored Health Benefits, 2011.

5. Percentage of Covered Workers with No Premium Contribution
or a Contribution of Greater than 50% of the Premium, 2011
Single Coverage Family Coverage
*Estimate is statistically different between All Small Firms and All Large
Firms within category (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits,
2011.

6. Distribution of Health Plan Enrollment for Covered
Workers, by Plan Type, 1988-2011
1%
1%
1%
1%
* Distribution is statistically different from the previous year shown (p<.05). No statistical tests were conducted for years
prior to 1999. No statistical tests are conducted between 2005 and 2006 due to the addition of HDHP/SO as a new plan type
in 2006.
Note: Information was not obtained for POS plans in 1988. A portion of the change in plan type enrollment for 2005 is likely
attributable to incorporating more recent Census Bureau estimates of the number of state and local government workers
and removing federal workers from the weights. See the Survey Design and Methods section from the 2005 Kaiser/HRET
Survey of Employer-Sponsored Health Benefits for additional information.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2011; KPMG Survey of Employer-Sponsored
Health Benefits, 1993, 1996; The Health Insurance Association of America (HIAA), 1988.

7. Among Firms Offering Health Benefits, Percentage That
Offer an HDHP/SO, by Firm Size, 2005-2011
* Estimate is statistically different from estimate for previous year shown (p<.05).
‡
The 2011 estimate includes 1.8% of all firms offering health benefits that offer both
an HDHP/HRA and an HSA-qualified HDHP. The comparable percentages for
previous years are: 2005 [0.3%], 2006 [0.4%], 2007 [0.2%], 2008 [0.3%], 2009
[<0.1%], and 2010 [0.3%].
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005-2011.

8. Percentage of Covered Workers Enrolled in a Plan with a
General Annual Deductible of $1,000 or More for Single
Coverage, By Firm Size, 2006-2011
* Estimate is statistically different from estimate for the previous year shown (p<.05).
Note: These estimates include workers enrolled in HDHP/SO and other plan types. Because we do not collect information on the attributes of
conventional plans, to be conservative, we assumed that workers in conventional plans do not have a deductible of $1,000 or more. Because
of the low enrollment in conventional plans, the impact of this assumption is minimal. Average general annual health plan deductibles for
PPOs, POS plans, and HDHP/SOs are for in-network services.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2011.

9. Percentage of Covered Workers Enrolled in a Plan with a
General Annual Deductible of $2,000 or More for Single
Coverage, By Firm Size, 2006-2011
* Estimate is statistically different from estimate for the previous year shown (p<.05).
Note: These estimates include workers enrolled in HDHP/SO and other plan types. Because we do not collect information on the attributes of
conventional plans, to be conservative, we assumed that workers in conventional plans do not have a deductible of $2,000 or more. Because
of the low enrollment in conventional plans, the impact of this assumption is minimal.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2011.

10. Percentage of All Firms Offering Health Benefits, 1999-2011
*Estimate is statistically different from estimate for the previous year shown (p<.05).
Note: Estimates presented in this exhibit are based on the sample of both firms that completed the entire
survey and those that answered just one question about whether they offer health benefits. The percentage of
firms offering health benefits is largely driven by small firms. The large increase in 2010 was primarily driven by
a 12 percentage point increase in offering among firms with 3 to 9 workers. In 2011, 48% of firms with 3 to 9
employees offer health benefits, a level more consistent with levels from recent years other than 2010. The
overall 2011 offer rate is consistent with the long term trend, indicating that the high 2010 offer rate may be an
aberration.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2011.

11. Among All Large Firms (200 or More Workers) Offering Health
Benefits to Active Workers, Percentage of Firms Offering
Retiree Health Benefits, 1988-2011
Note: Tests found no statistical difference from estimate for the previous year shown (p<.05). No statistical tests are
conducted for years prior to 1999. Data have been edited to include the less than 1% of large firms who report “yes,
but no retiree” responses in 2011. Historical numbers have been recalculated so that the results are comparable.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2011; KPMG Survey of Employer-Sponsored
Health Benefits, 1991, 1993, 1995, 1998; The Health Insurance Association of America (HIAA), 1988.

12. Percentage of Covered Workers in Partially or
Completely Self-Funded Plans, 1999-2011
*Tests found no statistical difference from estimate for the previous year shown (p<.05). No statistical
tests are conducted for years prior to 1999.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2011

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14. Percentage of Firms Offering Family Coverage Who Enrolled
Adult Children up to 26 Years of Age as Dependents Because
of the Affordable Care Act (ACA), by Firm Size, 2011
* Estimate is statistically different from estimate for all other firms not in the indicated size (p<.05).
Note: In total, an estimated 2.3 million adult children were enrolled in their parent’s employer sponsored health plan due
to the Affordable Care Act.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2011.

15. Percentage of Firms and Covered Workers Enrolled in Plans
Grandfathered under the Affordable Care Act (ACA), by Firm
Size, 2011
*Estimate is statistically different between All Small Firms
and All Large Firms within category (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored
Health Benefits, 2011.

16. Among Covered Workers, Changes to Cost Sharing for
Preventive Services Because of the Affordable Care Act (ACA),
by Firm Size, 2011
*Estimate is statistically different between All Small Firms and All Large Firms within category
(p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2011.

17. Among Offering Firms with Fewer Than 50 Employees,
Awareness and Utilization of the Small Employer Tax Credits
Made Available in the Affordable Care Act (ACA), 2011
Note: The ACA provides a temporary tax credit for small employers with fewer than 25 full-time equivalents that offer health insurance and have average
annual wages of less than $50,000. More information about the tax credit is available at: http://www.irs.gov/newsroom/article/0,,id=223666,00.html. Because
our survey asks about the total number of employees in a firm and not full-time equivalents, we could not limit responses to firms only within the size range
eligible for the credit. To ensure that we included employers that may have a number of part-time or temporary employees but could still qualify for the tax
credit, we directed questions to employers with fewer than 50 total employees. This approach allowed us to capture some employers with more than 25 total
employees that would nonetheless be eligible for the tax credit, but it also means that some employers that are unlikely to be eligible for the tax credit were
asked these questions.
§ Note: 87% of the firms who stated that they would not claim the credit in either year believed that they were not
eligible, 10% believed that the credit was too small, and 3% said that claiming the credit was too much of a hassle.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2011.