Exhibit ES.1: Percentage (standard error) of private-sector employees in establishments that offer health insurance, by firm size, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
87.6%
86.5%
85.3%
84.7%
84.9%
83.2%
83.8%
84.3%
84.5%
84.6%
85.3%
86.9%
85.7%
(Standard Error)
(0.2%)
(0.2%)
(0.2%)
(0.3%)
(0.3%)
(0.3%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.3%)
<50
59.6%
57.8%
54.7%
52.9%
53.1%
49.8%
47.6%
47.7%
48.3%
47.3%
50.7%
50.5%
50.4%
(Standard Error)
(0.5%)
(0.5%)
(0.4%)
(0.6%)
(0.7%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.7%)
(0.7%)
(0.7%)
50–99
89.6%
87.3%
85.6%
84.1%
87.0%
83.0%
85.3%
88.6%
86.3%
88.0%
88.0%
88.5%
90.3%
(Standard Error)
(1.3%)
(0.9%)
(1.0%)
(1.4%)
(1.0%)
(1.3%)
(1.2%)
(1.0%)
(1.2%)
(1.1%)
(1.1%)
(1.2%)
(1.2%)
100+
98.8%
98.5%
98.1%
98.2%
98.0%
97.3%
98.8%
98.9%
98.9%
99.0%
99.0%
98.8%
98.9%
(Standard Error)
(0.1%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.1%)
(0.2%)
(0.2%)
(0.1%)
(0.2%)
(0.2%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
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, 2019-2021
TABLE SUMMARY
State
Percentage
State
Percentage
State
Percentage
Alabama
56.5%*
Kentucky
47.8%
North Dakota
56.7%*
(Standard Error)
(2.5%)
(Standard Error)
(2.8%)
(Standard Error)
(2.3%)
Alaska
33.7%*
Louisiana
47.1%
Ohio
51.5%
(Standard Error)
(2.4%)
(Standard Error)
(2.9%)
(Standard Error)
(2.6%)
Arizona
45.4%
Maine
47.1%
Oklahoma
55.4%
(Standard Error)
(2.9%)
(Standard Error)
(2.3%)
(Standard Error)
(2.4%)
Arkansas
40.3%*
Maryland
55.6%
Oregon
48.7%
(Standard Error)
(2.7%)
(Standard Error)
(2.6%)
(Standard Error)
(2.2%)
California
52.4%
Massachusetts
62.3%*
Pennsylvania
57.2%*
(Standard Error)
(1.6%)
(Standard Error)
(2.6%)
(Standard Error)
(2.1%)
Colorado
49.5%
Michigan
49.8%
Rhode Island
59.1%*
(Standard Error)
(2.5%)
(Standard Error)
(2.4%)
(Standard Error)
(2.7%)
Connecticut
58.6%*
Minnesota
48.7%
South Carolina
41.7%*
(Standard Error)
(2.5%)
(Standard Error)
(2.5%)
(Standard Error)
(2.7%)
Delaware
49.9%
Mississippi
49.6%
South Dakota
49.1%
(Standard Error)
(2.9%)
(Standard Error)
(2.7%)
(Standard Error)
(2.2%)
District of Columbia
73.1%*
Missouri
52.0%
Tennessee
46.9%
(Standard Error)
(2.6%)
(Standard Error)
(2.4%)
(Standard Error)
(2.6%)
Florida
41.4%*
Montana
41.6%*
Texas
47.6%
(Standard Error)
(2.2%)
(Standard Error)
(2.2%)
(Standard Error)
(1.7%)
Georgia
42.9%*
Nebraska
45.2%*
Utah
42.6%*
(Standard Error)
(2.8%)
(Standard Error)
(2.5%)
(Standard Error)
(2.5%)
Hawaii
90.6%*
Nevada
51.4%
Vermont
49.8%
(Standard Error)
(1.3%)
(Standard Error)
(2.9%)
(Standard Error)
(2.1%)
Idaho
41.3%*
New Hampshire
53.7%
Virginia
53.1%
(Standard Error)
(2.4%)
(Standard Error)
(2.6%)
(Standard Error)
(2.6%)
Illinois
57.1%*
New Jersey
59.4%*
Washington
50.6%
(Standard Error)
(1.8%)
(Standard Error)
(2.5%)
(Standard Error)
(2.4%)
Indiana
42.7%*
New Mexico
42.2%*
West Virginia
46.1%
(Standard Error)
(2.5%)
(Standard Error)
(2.5%)
(Standard Error)
(2.8%)
Iowa
52.3%
New York
55.7%*
Wisconsin
47.3%
(Standard Error)
(2.3%)
(Standard Error)
(1.6%)
(Standard Error)
(2.4%)
Kansas
55.2%
North Carolina
42.5%*
Wyoming
38.6%*
(Standard Error)
(2.4%)
(Standard Error)
(2.5%)
(Standard Error)
(2.2%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2019-2021.
Note: * Statistically different from the national average of 50.6 percent at p < 0.05. Note that the standard error on the
national estimate of 50.6 percent is 0.41 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, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
61.1%
59.8%
59.4%
58.9%
58.2%
57.8%
57.0%
56.0%
56.5%
56.5%
55.8%
57.0%
56.0%
(Standard Error)
(0.4%)
(0.5%)
(0.2%)
(0.4%)
(0.3%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
(0.5%)
(0.4%)
(0.4%)
<50
59.6%
59.2%
58.6%
57.7%
57.1%
56.8%
57.0%
55.5%
55.4%
56.2%
53.9%
55.1%
53.8%
(Standard Error)
(0.4%)
(0.6%)
(0.5%)
(0.5%)
(0.5%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.7%)
(0.7%)
50–99
60.1%
55.9%
54.9%
55.4%
54.7%
54.5%
55.8%
51.2%
52.2%
50.3%
53.8%
53.4%
51.3%
(Standard Error)
(1.0%)
(0.8%)
(1.0%)
(1.2%)
(0.8%)
(1.3%)
(1.2%)
(1.2%)
(1.2%)
(1.2%)
(1.2%)
(1.3%)
(1.3%)
100+
61.6%
60.4%
60.0%
59.5%
58.8%
58.3%
57.1%
56.6%
57.1%
57.1%
56.4%
57.7%
56.9%
(Standard Error)
(0.6%)
(0.6%)
(0.3%)
(0.4%)
(0.3%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.6%)
(0.5%)
(0.5%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Note: Within each category, all employees in establishments that offer health insurance.
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, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
79.5%
78.2%
78.0%
77.8%
77.8%
75.4%
76.0%
76.5%
76.8%
78.0%
77.7%
80.5%
80.3%
(Standard Error)
(0.3%)
(0.5%)
(0.4%)
(0.3%)
(0.2%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
<50
79.3%
78.6%
78.7%
77.9%
78.0%
77.7%
79.1%
78.7%
78.3%
79.1%
78.1%
80.2%
79.7%
(Standard Error)
(0.5%)
(0.5%)
(0.6%)
(0.5%)
(0.4%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
50–99
79.2%
74.5%
73.6%
76.4%
76.2%
74.1%
77.8%
76.2%
75.5%
75.6%
78.1%
77.6%
79.2%
(Standard Error)
(0.8%)
(0.6%)
(1.0%)
(1.2%)
(0.8%)
(1.4%)
(1.2%)
(1.2%)
(1.2%)
(1.2%)
(1.2%)
(1.4%)
(1.3%)
100+
79.6%
78.5%
78.3%
77.9%
77.9%
75.0%
75.2%
76.0%
76.6%
78.0%
77.5%
80.8%
80.5%
(Standard Error)
(0.5%)
(0.6%)
(0.4%)
(0.3%)
(0.3%)
(0.5%)
(0.5%)
(0.4%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.4%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Denominator: Within each category, all employees in establishments that offer health insurance.
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, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
76.9%
76.5%
76.1%
75.8%
74.8%
76.7%
75.0%
73.3%
73.5%
72.4%
71.9%
70.8%
69.8%
(Standard Error)
(0.3%)
(0.2%)
(0.3%)
(0.3%)
(0.2%)
(0.3%)
(0.3%)
(0.3%)
(0.3%)
(0.4%)
(0.4%)
(0.4%)
(0.4%)
<50
75.2%
75.3%
74.4%
74.1%
73.1%
73.0%
72.1%
70.4%
70.7%
71.0%
69.0%
68.7%
67.5%
(Standard Error)
(0.3%)
(0.6%)
(0.4%)
(0.4%)
(0.6%)
(0.5%)
(0.5%)
(0.5%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.7%)
50–99
75.9%
75.1%
74.5%
72.5%
71.8%
73.5%
71.7%
67.2%
69.1%
66.6%
68.9%
68.8%
64.7%
(Standard Error)
(0.9%)
(0.7%)
(0.6%)
(0.8%)
(1.0%)
(1.0%)
(1.1%)
(1.2%)
(1.1%)
(1.1%)
(1.0%)
(1.0%)
(1.2%)
100+
77.5%
76.9%
76.7%
76.4%
75.5%
77.8%
76.0%
74.4%
74.5%
73.3%
72.7%
71.4%
70.7%
(Standard Error)
(0.5%)
(0.3%)
(0.3%)
(0.4%)
(0.3%)
(0.3%)
(0.3%)
(0.4%)
(0.4%)
(0.4%)
(0.5%)
(0.4%)
(0.5%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Denominator: Within each category, all employees in establishments that offer health insurance.
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, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
66.5%
65.6%
65.5%
65.3%
66.0%
67.0%
70.2%
71.7%
72.4%
75.7%
75.8%
73.8%
73.9%
(Standard Error)
(0.7%)
(0.8%)
(0.5%)
(0.7%)
(0.6%)
(0.6%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.6%)
(0.6%)
<50
27.3%
26.7%
27.2%
29.3%
28.4%
29.6%
33.6%
34.2%
34.9%
37.8%
41.4%
39.9%
41.0%
(Standard Error)
(0.9%)
(0.8%)
(0.9%)
(0.8%)
(1.0%)
(0.9%)
(1.1%)
(1.0%)
(1.0%)
(1.0%)
(1.1%)
(1.1%)
(1.1%)
50–99
42.8%
44.1%
46.8%
43.7%
46.6%
46.8%
50.2%
56.2%
59.3%
56.4%
58.7%
58.6%
60.8%
(Standard Error)
(2.0%)
(1.9%)
(2.2%)
(1.7%)
(2.2%)
(2.1%)
(2.2%)
(2.0%)
(1.9%)
(1.9%)
(2.0%)
(2.1%)
(2.2%)
100+
78.5%
77.3%
76.3%
75.7%
76.5%
77.0%
79.7%
80.7%
81.0%
84.7%
84.5%
81.0%
81.7%
(Standard Error)
(0.7%)
(1.0%)
(0.7%)
(0.7%)
(0.7%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.5%)
(0.6%)
(0.6%)
(0.6%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Denominator: Within each category, all employees in establishments that offer health insurance.
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, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
35.1%
35.8%
36.9%
37.2%
37.6%
37.2%
39.0%
40.7%
39.2%
38.7%
39.4%
41.9%
40.1%
(Standard Error)
(0.4%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
(0.6%)
(0.6%)
(0.6%)
(0.6%)
(0.7%)
(0.7%)
<10
14.6%
13.1%
12.6%
14.9%
15.2%
14.4%
15.8%
19.3%
17.7%
13.1%
14.8%
17.6%
18.9%
(Standard Error)
(0.7%)
(0.5%)
(0.8%)
(0.9%)
(0.4%)
(0.8%)
(1.0%)
(1.4%)
(1.4%)
(1.1%)
(1.3%)
(1.7%)
(1.7%)
10–24
10.4%
11.6%
9.9%
10.7%
9.0%
12.0%
10.6%
13.6%
13.3%
13.8%
12.2%
13.1%
12.0%
(Standard Error)
(0.4%)
(0.8%)
(0.7%)
(0.7%)
(0.7%)
(1.0%)
(1.0%)
(1.1%)
(1.2%)
(1.2%)
(1.1%)
(1.2%)
(1.0%)
25–99
13.4%
14.3%
12.2%
13.5%
12.4%
12.2%
13.7%
16.6%
16.0%
12.9%
17.2%
16.3%
17.7%
(Standard Error)
(0.7%)
(0.7%)
(0.7%)
(0.7%)
(0.7%)
(0.8%)
(0.9%)
(0.9%)
(0.9%)
(0.8%)
(0.9%)
(0.9%)
(1.0%)
100–999
29.9%
30.9%
31.7%
30.1%
30.1%
32.5%
33.7%
34.4%
37.2%
35.1%
33.9%
35.8%
38.0%
(Standard Error)
(0.7%)
(0.9%)
(1.1%)
(0.8%)
(1.0%)
(1.2%)
(1.2%)
(1.2%)
(1.3%)
(1.2%)
(1.1%)
(1.2%)
(1.3%)
1,000+
85.8%
86.6%
87.5%
87.1%
88.0%
84.2%
83.8%
81.9%
78.6%
81.6%
83.1%
77.8%
78.1%
(Standard Error)
(0.4%)
(0.6%)
(0.5%)
(0.7%)
(0.5%)
(0.8%)
(0.8%)
(0.8%)
(0.8%)
(0.8%)
(0.8%)
(0.9%)
(0.9%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.8: Average total premiums (standard error) per enrolled employee for single, employee-plus-one and family coverage,
2009-2021
TABLE SUMMARY
Coverage
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Single
$4,669
$4,940
$5,222
$5,384
$5,571
$5,832
$5,963
$6,101
$6,368
$6,715
$6,972
$7,149
$7,380
(Standard Error)
($21)
($22)
($26)
($28)
($23)
($25)
($26)
($27)
($28)
($31)
($35)
($35)
($37)
Plus One
$9,053
$9,664
$10,329
$10,621
$10,990
$11,503
$11,800
$12,124
$12,789
$13,425
$13,989
$14,191
$14,634
(Standard Error)
($34)
($60)
($105)
($56)
($54)
($60)
($58)
($60)
($70)
($70)
($83)
($93)
($84)
Family
$13,027
$13,871
$15,022
$15,473
$16,029
$16,655
$17,322
$17,710
$18,687
$19,565
$20,486
$20,758
$21,381
(Standard Error)
($25)
($75)
($98)
($95)
($61)
($79)
($95)
($84)
($105)
($104)
($125)
($124)
($111)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.9: Percentage change (standard error) in total premiums from previous year per enrolled employee for single,
employee-plus-one, and family coverage, 2009-2021
TABLE SUMMARY
Year
Single
Employee-Plus-One
Family
2009
6.5%
6.1%
5.9%
(Standard Error)
(0.6%)
(0.7%)
(0.7%)
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%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.10: Average total single premium (standard error) per enrolled employee, by firm size, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
$4,669
$4,940
$5,222
$5,384
$5,571
$5,832
$5,963
$6,101
$6,368
$6,715
$6,972
$7,149
$7,380
(Standard Error)
($21)
($22)
($26)
($28)
($23)
($25)
($26)
($27)
($28)
($31)
($35)
($35)
($37)
<50
$4,652
$4,956
$5,258
$5,460
$5,628
$5,886
$5,947
$6,070
$6,421
$6,667
$6,920
$7,045
$7,382
(Standard Error)
($31)
($34)
($39)
($60)
($39)
($55)
($55)
($53)
($61)
($63)
($73)
($70)
($84)
50–99
$4,614
$4,713
$4,861
$5,246
$5,314
$5,549
$5,642
$5,743
$6,163
$6,287
$6,629
$6,870
$7,189
(Standard Error)
($82)
($52)
($75)
($39)
($73)
($82)
($104)
($96)
($121)
($111)
($99)
($129)
($129)
100+
$4,681
$4,959
$5,252
$5,378
$5,584
$5,851
$6,006
$6,146
$6,377
$6,770
$7,019
$7,197
$7,399
(Standard Error)
($38)
($23)
($31)
($28)
($29)
($30)
($31)
($32)
($33)
($37)
($42)
($41)
($43)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.11: Average total employee-plus-one premium (standard error) per enrolled employee, by firm size, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
$9,053
$9,664
$10,329
$10,621
$10,990
$11,503
$11,800
$12,124
$12,789
$13,425
$13,989
$14,191
$14,634
(Standard Error)
($34)
($60)
($105)
($56)
($54)
($60)
($58)
($60)
($70)
($70)
($83)
($93)
($84)
<50
$9,124
$9,850
$10,253
$10,524
$11,050
$11,386
$11,666
$11,833
$12,558
$13,044
$13,619
$13,522
$14,326
(Standard Error)
($119)
($80)
($104)
($121)
($92)
($163)
($158)
($156)
($170)
($176)
($248)
($212)
($262)
50–99
$8,852
$9,166
$9,615
$10,178
$10,673
$10,845
$10,885
$11,389
$11,931
$12,593
$13,248
$13,766
$14,314
(Standard Error)
($148)
($124)
($192)
($185)
($330)
($187)
($198)
($227)
($232)
($236)
($321)
($246)
($295)
100+
$9,058
$9,669
$10,394
$10,672
$11,006
$11,571
$11,892
$12,225
$12,878
$13,537
$14,105
$14,304
$14,703
(Standard Error)
($34)
($62)
($113)
($70)
($59)
($68)
($66)
($68)
($79)
($79)
($92)
($106)
($93)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.12: Average total family premium (standard error) per enrolled employee, by firm size, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
$13,027
$13,871
$15,022
$15,473
$16,029
$16,655
$17,322
$17,710
$18,687
$19,565
$20,486
$20,758
$21,381
(Standard Error)
($25)
($75)
($98)
($95)
($61)
($79)
($95)
($84)
($105)
($104)
($125)
($124)
($111)
<50
$12,041
$13,170
$14,086
$14,496
$14,787
$15,575
$15,919
$16,471
$17,649
$18,296
$19,417
$19,416
$20,406
(Standard Error)
($129)
($111)
($145)
($181)
($89)
($177)
($212)
($207)
($192)
($231)
($303)
($283)
($320)
50–99
$12,431
$13,019
$14,151
$15,421
$15,376
$15,732
$16,336
$16,214
$17,735
$18,386
$19,893
$19,827
$20,551
(Standard Error)
($229)
($153)
($168)
($273)
($268)
($274)
($335)
($348)
($327)
($473)
($435)
($422)
($396)
100+
$13,271
$14,074
$15,245
$15,641
$16,284
$16,903
$17,612
$18,000
$18,911
$19,824
$20,697
$20,990
$21,584
(Standard Error)
($33)
($85)
($117)
($114)
($82)
($91)
($110)
($95)
($122)
($118)
($143)
($139)
($124)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.13: Average total single premium (standard error) per enrolled employee, by State, 3-year average, 2019-2021
TABLE SUMMARY
State
Average Premium
State
Average Premium
State
Average Premium
Alabama
$6,481*
Kentucky
$6,918*
North Dakota
$6,998*
(Standard Error)
($101)
(Standard Error)
($88)
(Standard Error)
($86)
Alaska
$8,798*
Louisiana
$6,696*
Ohio
$7,030
(Standard Error)
($232)
(Standard Error)
($98)
(Standard Error)
($100)
Arizona
$6,559*
Maine
$7,467*
Oklahoma
$6,893*
(Standard Error)
($92)
(Standard Error)
($93)
(Standard Error)
($104)
Arkansas
$6,220*
Maryland
$7,182
Oregon
$6,929
(Standard Error)
($104)
(Standard Error)
($116)
(Standard Error)
($154)
California
$7,165
Massachusetts
$7,623*
Pennsylvania
$7,218
(Standard Error)
($87)
(Standard Error)
($101)
(Standard Error)
($87)
Colorado
$6,819*
Michigan
$6,804*
Rhode Island
$7,485*
(Standard Error)
($105)
(Standard Error)
($116)
(Standard Error)
($104)
Connecticut
$7,512*
Minnesota
$7,020
South Carolina
$7,091
(Standard Error)
($113)
(Standard Error)
($109)
(Standard Error)
($99)
Delaware
$7,701*
Mississippi
$6,533*
South Dakota
$7,133
(Standard Error)
($162)
(Standard Error)
($105)
(Standard Error)
($80)
District of Columbia
$7,684*
Missouri
$7,007
Tennessee
$6,564*
(Standard Error)
($120)
(Standard Error)
($107)
(Standard Error)
($90)
Florida
$7,002
Montana
$6,957
Texas
$6,992
(Standard Error)
($116)
(Standard Error)
($98)
(Standard Error)
($74)
Georgia
$6,948
Nebraska
$7,263
Utah
$6,454*
(Standard Error)
($131)
(Standard Error)
($100)
(Standard Error)
($103)
Hawaii
$6,715*
Nevada
$6,550*
Vermont
$7,676*
(Standard Error)
($91)
(Standard Error)
($122)
(Standard Error)
($90)
Idaho
$6,549*
New Hampshire
$7,662*
Virginia
$6,948
(Standard Error)
($103)
(Standard Error)
($103)
(Standard Error)
($88)
Illinois
$7,244
New Jersey
$7,531*
Washington
$7,232
(Standard Error)
($82)
(Standard Error)
($129)
(Standard Error)
($119)
Indiana
$7,238
New Mexico
$7,165
West Virginia
$7,287
(Standard Error)
($102)
(Standard Error)
($105)
(Standard Error)
($125)
Iowa
$6,798*
New York
$8,126*
Wisconsin
$7,107
(Standard Error)
($95)
(Standard Error)
($93)
(Standard Error)
($100)
Kansas
$6,563*
North Carolina
$6,922
Wyoming
$7,550
(Standard Error)
($100)
(Standard Error)
($85)
(Standard Error)
($159)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Note: Statistically different from national average of $7,103 at p < 0.05. Note that the standard error on the national
estimate of $7,103 is $20.
Exhibit ES.14: Average percentage (standard error) of premium contributed by employees for single, employee-plus-one, and family coverage, 2009-2021
TABLE SUMMARY
Coverage
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Single
20.5%
20.7%
20.9%
20.8%
21.0%
21.2%
21.1%
21.7%
22.2%
21.3%
21.4%
21.4%
22.3%
(Standard Error)
(0.3%)
(0.2%)
(0.2%)
(0.3%)
(0.3%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.2%)
(0.3%)
(0.2%)
(0.2%)
Plus One
26.1%
25.8%
26.5%
26.6%
26.7%
26.9%
27.3%
27.8%
27.6%
27.1%
27.7%
28.4%
28.7%
(Standard Error)
(0.3%)
(0.3%)
(0.3%)
(0.4%)
(0.2%)
(0.3%)
(0.3%)
(0.3%)
(0.3%)
(0.3%)
(0.4%)
(0.4%)
(0.4%)
Family
26.7%
26.8%
26.4%
27.4%
27.6%
27.1%
27.2%
28.0%
27.9%
27.8%
28.0%
28.8%
28.9%
(Standard Error)
(0.3%)
(0.4%)
(0.3%)
(0.4%)
(0.3%)
(0.3%)
(0.3%)
(0.3%)
(0.4%)
(0.3%)
(0.4%)
(0.4%)
(0.4%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.15: Average annual employee contribution (in dollars) (standard error) for single, employee-plus-one, and family coverage,
2009-2021
TABLE SUMMARY
Coverage
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Single
$957
$1,021
$1,090
$1,118
$1,170
$1,234
$1,255
$1,325
$1,415
$1,427
$1,489
$1,532
$1,643
(Standard Error)
($13)
($14)
($9)
($14)
($16)
($13)
($14)
($13)
($15)
($14)
($18)
($16)
($19)
Plus One
$2,363
$2,498
$2,736
$2,824
$2,940
$3,097
$3,220
$3,376
$3,531
$3,634
$3,881
$4,035
$4,199
(Standard Error)
($27)
($42)
($36)
($46)
($23)
($40)
($35)
($36)
($39)
($39)
($54)
($52)
($64)
Family
$3,474
$3,721
$3,962
$4,236
$4,421
$4,518
$4,710
$4,956
$5,218
$5,431
$5,726
$5,978
$6,174
(Standard Error)
($44)
($53)
($42)
($69)
($50)
($48)
($56)
($56)
($64)
($63)
($82)
($76)
($87)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
Exhibit ES.16: Percentage (standard error) of private-sector enrolled employees in a health insurance plan with a deductible, overall
and by firm size, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
73.8%
77.5%
77.8%
79.6%
81.3%
83.9%
85.4%
84.5%
87.5%
87.3%
86.6%
89.2%
88.5%
(Standard Error)
(0.5%)
(0.3%)
(0.7%)
(0.6%)
(0.7%)
(0.5%)
(0.5%)
(0.5%)
(0.4%)
(0.4%)
(0.5%)
(0.4%)
(0.5%)
<50
73.5%
75.7%
76.3%
79.5%
79.5%
80.8%
82.1%
81.7%
82.3%
83.0%
84.1%
86.5%
86.0%
(Standard Error)
(0.7%)
(0.7%)
(0.4%)
(1.0%)
(0.8%)
(0.8%)
(0.8%)
(0.8%)
(0.8%)
(0.8%)
(0.9%)
(0.8%)
(0.9%)
50–99
70.6%
78.2%
79.6%
80.3%
78.0%
82.4%
85.3%
82.5%
83.7%
85.1%
87.5%
89.0%
89.7%
(Standard Error)
(1.9%)
(1.5%)
(1.7%)
(1.4%)
(1.1%)
(1.5%)
(1.5%)
(1.5%)
(1.6%)
(1.4%)
(1.5%)
(1.5%)
(1.3%)
100+
74.2%
77.8%
77.9%
79.6%
81.9%
84.6%
86.1%
85.2%
88.8%
88.3%
87.1%
89.7%
88.8%
(Standard Error)
(0.6%)
(0.3%)
(1.0%)
(0.7%)
(0.7%)
(0.6%)
(0.6%)
(0.6%)
(0.4%)
(0.5%)
(0.5%)
(0.5%)
(0.5%)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments,
2009-2021.
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, 2009-2021
TABLE SUMMARY
Number of Employees
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
U.S.
$917
$1,025
$1,123
$1,167
$1,273
$1,353
$1,541
$1,696
$1,808
$1,846
$1,931
$1,945
$2,004
(Standard Error)
($9)
($18)
($12)
($8)
($20)
($13)
($16)
($16)
($17)
($17)
($18)
($18)
($20)
<50
$1,283
$1,447
$1,561
$1,628
$1,695
$1,777
$1,964
$2,105
$2,136
$2,327
$2,386
$2,376
$2,485
(Standard Error)
($24)
($21)
($26)
($25)
($24)
($28)
($35)
($34)
($35)
($36)
($35)
($39)
($43)
50–99
$1,249
$1,522
$1,543
$1,622
$1,755
$1,744
$2,008
$2,173
$2,361
$2,369
$2,441
$2,464
$2,378
(Standard Error)
($46)
($57)
($49)
($64)
($49)
($59)
($62)
($64)
($85)
($65)
($67)
($67)
($74)
100+
$774
$852
$951
$989
$1,106
$1,205
$1,383
$1,558
$1,681
$1,692
$1,778
$1,814
$1,865
(Standard Error)
($7)
($20)
($14)
($10)
($19)
($14)
($18)
($18)
($20)
($19)
($21)
($20)
($23)
Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2009-2021.
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.