Chartbook #24: MEPS Insurance Component Presentation 2019

Figure 1. Percentage of private-sector employees in establishments that offer health insurance, by firm size, 2006-2019
Line graph. United States: 2006: 78.3%, 2019: 71.9%; Small (<50 Employees): 2006: 77.4%, 2019: 68.9%; Medium (50–99 Employees): 2006: 76.9%, 2019: 69.0%; Large (100+ Employees): 2006: 78.7%, 2019: 72.7%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 1. Percentage (standard error) of private-sector employees in establishments that offer health insurance, by firm size, 2006-2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 86.9% 87.7% 87.6% 86.5% 85.3% 84.7% 84.9% 83.2% 83.8% 84.3% 84.5% 84.6% 85.3%
(Standard Error) (0.2%) (0.3%) (0.2%) (0.2%) (0.2%) (0.3%) (0.3%) (0.3%) (0.2%) (0.2%) (0.2%) (0.2%) (0.2%)
<50 61.2% 61.6% 59.6% 57.8% 54.7% 52.9% 53.1% 49.8% 47.6% 47.7% 48.3% 47.3% 50.7%
(Standard Error) (0.4%) (0.5%) (0.5%) (0.5%) (0.4%) (0.6%) (0.7%) (0.6%) (0.6%) (0.6%) (0.6%) (0.6%) (0.7%)
50–99 87.6% 90.7% 89.6% 87.3% 85.6% 84.1% 87.0% 83.0% 85.3% 88.6% 86.3% 88.0% 88.0%
(Standard Error) (1.2%) (0.9%) (1.3%) (0.9%) (1.0%) (1.4%) (1.0%) (1.3%) (1.2%) (1.0%) (1.2%) (1.1%) (1.1%)
100+ 97.7% 98.2% 98.8% 98.5% 98.1% 98.2% 98.0% 97.3% 98.8% 98.9% 98.9% 99.0% 99.0%
(Standard Error) (0.4%) (0.3%) (0.1%) (0.2%) (0.2%) (0.2%) (0.2%) (0.2%) (0.2%) (0.1%) (0.2%) (0.2%) (0.1%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 2. Percentage of private-sector employees in establishments that offer health insurance, by State, firm size <50 employees, 2019
Color-coded USA map. Significantly above national average of 50.7%: CT, DC, HI, IL, MA, ND, NJ, NY. Significantly below national average of 50.7%: AK, AR, AZ, IN, MT, NC, NM, UT, VT, WY. All other states were not significantly different from the national average of 50.7%.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2019.

Figure 2. Percentage (standard error) of private-sector employees in establishments that offer health insurance, by State, firm size <50 employees, 2019

State Percentage State Percentage State Percentage
Alabama 56.3% Kentucky 49.9% North Dakota 59.6%*
(Standard Error) (4.0%) (Standard Error) (4.6%) (Standard Error) (3.5%)
Alaska 36.0%* Louisiana 49.4% Ohio 50.3%
(Standard Error) (4.1%) (Standard Error) (4.1%) (Standard Error) (4.6%)
Arizona 41.4%* Maine 47.9% Oklahoma 52.2%
(Standard Error) (4.6%) (Standard Error) (3.7%) (Standard Error) (3.9%)
Arkansas 40.9%* Maryland 54.2% Oregon 49.1%
(Standard Error) (4.4%) (Standard Error) (4.4%) (Standard Error) (3.6%)
California 48.2% Massachusetts 65.8%* Pennsylvania 56.5%
(Standard Error) (2.7%) (Standard Error) (4.7%) (Standard Error) (3.4%)
Colorado 46.3% Michigan 49.5% Rhode Island 58.3%
(Standard Error) (4.4%) (Standard Error) (4.1%) (Standard Error) (4.2%)
Connecticut 61.0%* Minnesota 52.0% South Carolina 52.6%
(Standard Error) (4.1%) (Standard Error) (4.3%) (Standard Error) (4.3%)
Delaware 55.7% Mississippi 43.9% South Dakota 54.7%
(Standard Error) (4.8%) (Standard Error) (4.8%) (Standard Error) (3.8%)
District of Columbia 68.5%* Missouri 53.2% Tennessee 45.5%
(Standard Error) (4.5%) (Standard Error) (4.1%) (Standard Error) (4.4%)
Florida 44.6% Montana 41.2%* Texas 50.2%
(Standard Error) (3.9%) (Standard Error) (3.6%) (Standard Error) (2.9%)
Georgia 41.2% Nebraska 43.4% Utah 40.6%*
(Standard Error) (4.9%) (Standard Error) (4.1%) (Standard Error) (4.0%)
Hawaii 90.0%* Nevada 53.2% Vermont 41.4%*
(Standard Error) (2.2%) (Standard Error) (5.1%) (Standard Error) (3.4%)
Idaho 44.1% New Hampshire 56.4% Virginia 51.7%
(Standard Error) (4.1%) (Standard Error) (3.8%) (Standard Error) (4.1%)
Illinois 59.9%* New Jersey 62.7%* Washington 46.3%
(Standard Error) (2.9%) (Standard Error) (4.2%) (Standard Error) (3.8%)
Indiana 39.3%* New Mexico 40.4%* West Virginia 47.5%
(Standard Error) (4.3%) (Standard Error) (4.0%) (Standard Error) (4.7%)
Iowa 51.4% New York 57.2%* Wisconsin 46.4%
(Standard Error) (3.7%) (Standard Error) (2.4%) (Standard Error) (4.1%)
Kansas 57.1% North Carolina 42.9%* Wyoming 40.9%*
(Standard Error) (3.9%) (Standard Error) (3.9%) (Standard Error) (3.8%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2019.

Note: * Statistically different from the national average of 50.7 percent at p < 0.05. Note that the standard error on the national estimate of 50.7 percent is 0.69 percent.



Figure 3. Percentage of private-sector employees who are enrolled in health insurance at establishments that offer health insurance, overall and by firm size, 2006-2019
Line graph. United States: 2006: 60.7%, 2019: 55.8%; Small (<50 Employees): 2006: 60.1%, 2019: 53.9%; Medium (50–99 Employees): 2006: 55.6%, 2019: 53.8%; Large (100+ Employees): 2006: 61.4%, 2019: 56.4%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, all employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 3. Percentage (standard error) of private-sector employees who are enrolled in health insurance at establishments that offer health insurance, overall and by firm size, 2006-2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 60.7% 61.4% 61.1% 59.8% 59.4% 58.9% 58.2% 57.8% 57.0% 56.0% 56.5% 56.5% 55.8%
(Standard Error) (0.3%) (0.4%) (0.4%) (0.5%) (0.2%) (0.4%) (0.3%) (0.4%) (0.4%) (0.4%) (0.4%) (0.4%) (0.5%)
<50 60.1% 59.7% 59.6% 59.2% 58.6% 57.7% 57.1% 56.8% 57.0% 55.5% 55.4% 56.2% 53.9%
(Standard Error) (0.6%) (0.2%) (0.4%) (0.6%) (0.5%) (0.5%) (0.5%) (0.6%) (0.6%) (0.6%) (0.6%) (0.6%) (0.6%)
50–99 55.6% 56.3% 60.1% 55.9% 54.9% 55.4% 54.7% 54.5% 55.8% 51.2% 52.2% 50.3% 53.8%
(Standard Error) (1.6%) (1.0%) (1.0%) (0.8%) (1.0%) (1.2%) (0.8%) (1.3%) (1.2%) (1.2%) (1.2%) (1.2%) (1.2%)
100+ 61.4% 62.4% 61.6% 60.4% 60.0% 59.5% 58.8% 58.3% 57.1% 56.6% 57.1% 57.1% 56.4%
(Standard Error) (0.5%) (0.5%) (0.6%) (0.6%) (0.3%) (0.4%) (0.3%) (0.5%) (0.5%) (0.5%) (0.5%) (0.5%) (0.6%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, all employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 4. Percentage of private-sector employees eligible for health insurance at establishments that offer health insurance, overall and by firm size, 2006–2019
Line graph. United States: 2006: 77.5%, 2019:77.5%; Small (<50 Employees): 2006: 77.7%, 2019: 78.1%; Medium (50–99 Employees): 2006: 72.3%, 2019: 78.1%; Large (100+ Employees): 2006: 77.9%, 2019: 77.7%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, all employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 4. Percentage (standard error) of private-sector employees eligible for health insurance at establishments that offer health insurance, overall and by firm size, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 77.5% 78.1% 79.5% 78.2% 78.0% 77.8% 77.8% 75.4% 76.0% 76.5% 76.8% 78.0% 77.7%
(Standard Error) (0.4%) (0.4%) (0.3%) (0.5%) (0.4%) (0.3%) (0.2%) (0.4%) (0.4%) (0.4%) (0.4%) (0.4%) (0.4%)
<50 77.7% 78.5% 79.3% 78.6% 78.7% 77.9% 78.0% 77.7% 79.1% 78.7% 78.3% 79.1% 78.1%
(Standard Error) (0.6%) (0.4%) (0.5%) (0.5%) (0.6%) (0.5%) (0.4%) (0.6%) (0.6%) (0.6%) (0.6%) (0.6%) (0.6%)
50–99 72.3% 75.3% 79.2% 74.5% 73.6% 76.4% 76.2% 74.1% 77.8% 76.2% 75.5% 75.6% 78.1%
(Standard Error) (1.5%) (1.3%) (0.8%) (0.6%) (1.0%) (1.2%) (0.8%) (1.4%) (1.2%) (1.2%) (1.2%) (1.2%) (1.2%)
100+ 77.9% 78.3% 79.6% 78.5% 78.3% 77.9% 77.9% 75.0% 75.2% 76.0% 76.6% 78.0% 77.5%
(Standard Error) (0.6%) (0.4%) (0.5%) (0.6%) (0.4%) (0.3%) (0.3%) (0.5%) (0.5%) (0.4%) (0.5%) (0.5%) (0.5%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, all employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 5. Percentage of eligible private-sector employees who are enrolled in health insurance at establishments that offer health insurance, overall and by firm size, 2006–2019
Line graph. United States: 2006: 78.3%, 2019: 71.9%; Small (<50 Employees): 2006: 77.4%, 2019: 68.9%; Medium (50–99 Employees): 2006: 76.9%, 2019: 69.0%; Large (100+ Employees): 2006: 78.7%, 2019: 72.7%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, eligible employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 5. 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, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 78.3% 78.7% 76.9% 76.5% 76.1% 75.8% 74.8% 76.7% 75.0% 73.3% 73.5% 72.4% 71.9%
(Standard Error) (0.3%) (0.3%) (0.3%) (0.2%) (0.3%) (0.3%) (0.2%) (0.3%) (0.3%) (0.3%) (0.3%) (0.4%) (0.4%)
<50 77.4% 76.0% 75.2% 75.3% 74.4% 74.1% 73.1% 73.0% 72.1% 70.4% 70.7% 71.0% 69.0%
(Standard Error) (0.7%) (0.3%) (0.3%) (0.6%) (0.4%) (0.4%) (0.6%) (0.5%) (0.5%) (0.5%) (0.6%) (0.6%) (0.6%)
50–99 76.9% 74.9% 75.9% 75.1% 74.5% 72.5% 71.8% 73.5% 71.7% 67.2% 69.1% 66.6% 68.9%
(Standard Error) (1.3%) (0.5%) (0.9%) (0.7%) (0.6%) (0.8%) (1.0%) (1.0%) (1.1%) (1.2%) (1.1%) (1.1%) (1.0%)
100+ 78.7% 79.7% 77.5% 76.9% 76.7% 76.4% 75.5% 77.8% 76.0% 74.4% 74.5% 73.3 72.7%
(Standard Error) (0.4%) (0.4%) (0.5%) (0.3%) (0.3%) (0.4%) (0.3%) (0.3%) (0.3%) (0.4%) (0.4%) (0.4%) (0.5%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, eligible employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 6. Percentage of private-sector working in establishments that offer two or more health insurance plans, overall and by firm size, 2006–2019
Line graph. United States: 2006: 61.4%, 2019: 75.8%; Small (<50 Employees): 2006: 21.5%, 2019: 41.4%; Medium (50–99 Employees): 2006: 36.0%, 2019: 58.7%; Large (100+ Employees): 2006: 74.3%, 2019: 84.5%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, all employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 6. Percentage (standard error) of private-sector working in establishments that offer two or more health insurance plans, overall and by firm size, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 61.4% 64.8% 66.5% 65.6% 65.5% 65.3% 66.0% 67.0% 70.2% 71.7% 72.4% 75.7% 75.8%
(Standard Error) (0.7%) (0.6%) (0.7%) (0.8%) (0.5%) (0.7%) (0.6%) (0.6%) (0.5%) (0.5%) (0.5%) (0.5%) (0.5%)
<50 21.5% 26.8% 27.3% 26.7% 27.2 29.3% 28.4% 29.6% 33.6% 34.2% 34.9% 37.8% 41.4%
(Standard Error) (1.1%) (0.7%) (0.9%) (0.8%) (0.9%) (0.8%) (1.0%) (0.9%) (1.1%) (1.0%) (1.0%) (1.0%) (1.1%)
50–99 36.0% 42.5% 42.8% 44.1% 46.8% 43.7% 46.6% 46.8% 50.2% 56.2% 59.3% 56.4% 58.7%
(Standard Error) (2.4%) (1.7%) (2.0%) (1.9%) (2.2%) (1.7%) (2.2%) (2.1%) (2.2%) (2.0%) (1.9%) (1.9%) (2.0%)
100+ 74.3% 76.9% 78.5% 77.3% 76.3% 75.7% 76.5% 77.0% 79.7% 80.7% 81.0% 84.7 84.5%
(Standard Error) (0.6%) (0.7%) (0.7%) (1.0%) (0.7%) (0.7%) (0.7%) (0.6%) (0.6%) (0.6%) (0.6%) (0.5%) (0.6%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Denominator: Within each category, all employees in establishments that offer health insurance.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 7. Percentage of private-sector establishments that offer health insurance that self-insure at least one plan, overall and by detailed firm size, 2006–2019
Line graph. United States: 2006: 34.4%, 2019: 39.4%; <10 Employees: 2006: 14.9%, 2019: 14.8%; 10–24 Employees: 2006: 11.6%, 2019: 12.2%; 25–99 Employees: 2006: 13.5%, 2019: 17.2%; 100–999 Employees: 2006: 30.6%, 2019: 33.9%; 1,000+ Employees: 2006: 83.8%, 2019: 83.1%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 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, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 34.4% 34.2% 35.1% 35.8% 36.9% 37.2% 37.6% 37.2% 39.0% 40.7% 39.2% 38.7% 39.4%
(Standard Error) (0.5%) (0.4%) (0.4%) (0.5%) (0.5%) (0.5%) (0.5%) (0.5%) (0.5%) (0.6%) (0.6%) (0.6%) (0.6%)
<10 14.9% 14.0% 14.6% 13.1% 12.6 14.9% 15.2% 14.4% 15.8% 19.3% 17.7% 13.1% 14.8%
(Standard Error) (0.9%) (0.8%) (0.7%) (0.6%) (0.8%) (0.9%) (1.4%) (0.8%) (1.0%) (1.4%) (1.4%) (1.1%) (1.3%)
10–24 11.6% 11.1% 10.4% 11.6% 9.9% 10.7% 9.0% 12.0% 10.6% 13.6% 13.3% 13.8% 12.2%
(Standard Error) (0.6%) (0.9%) (0.4%) (0.8%) (0.7%) (0.7%) (0.7%) (1.0%) (1.0%) (1.1%) (1.2%) (1.2%) (1.1%)
25–99 13.5% 12.6% 13.4% 14.3% 12.2% 13.5% 12.4% 12.2% 13.7% 16.6% 16.0% 12.9% 17.2%
(Standard Error) (0.7%) (0.8%) (0.7%) (0.7%) (0.7%) (0.7%) (0.7%) (0.8%) (0.9%) (0.9%) (0.9%) (0.8%) (0.9%)
100–999 30.6% 32.7% 29.9% 30.9% 31.7% 30.1% 30.1% 32.5% 33.7% 34.4% 37.2% 35.1% 33.9%
(Standard Error) (0.9%) (1.3%) (0.7%) (0.9%) (1.1) (0.8%) (1.0%) (1.2%) (1.2%) (1.2%) (1.3%) (1.2%) (1.1%)
1,000+ 83.8% 86.5% 85.8% 86.6% 87.5% 87.1% 88.0% 84.2% 83.8% 81.9% 78.6% 81.6 83.1%
(Standard Error) (0.7%) (0.5%) (0.4%) (1.6%) (0.5%) (0.7%) (0.5%) (0.8%) (0.8%) (0.8%) (0.8%) (0.8%) (0.8%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 8. Average total premiums per enrolled employee for single, employee-plus-one, and family coverage, 2006–2019
Bar graph. Refer to following table for data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 8. Average total premiums (standard error) per enrolled employee for single, employee-plus-one, and family coverage, 2006–2019

Coverage 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Single $4,118 $4,386 $4,669 $4,940 $5,222 $5,384 $5,571 $5,832 $5,963 $6,101 $6,368 $6,715 $6,972
(Standard Error) ($25) ($15) ($21) ($22) ($26) ($28) ($23) ($25) ($26) ($27) ($28) ($31) ($35)
Plus One $7,988 $8,535 $9,053 $9,664 $10,329 $10,621 $10,990 $11,503 $11,800 $12,124 $12,789 $13,425 $13,989
(Standard Error) ($48) ($43) ($34) ($60) ($105) ($256 ($254 ($60) ($58) ($60) ($70) ($70) ($83)
Family $11,381 $12,298 $13,027 $13,871 $15,022 $15,473 $16,029 $16,655 $17,322 $17,710 $18,687 $19,565 $20,486
(Standard Error) ($32) ($81) ($25) ($75) ($98) ($95) ($61) ($79) ($95) ($84) ($105) ($104) ($125)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 9. Percentage change in total premiums from previous year per enrolled employee for single, employee-plus-one, and family coverage, 2006–2019
Line graph. Single: 2007: 3.2%, 2019: 3.8%; Plus One: 2007: 3.4%, 2019: 4.2%; Family: 2007: 4.0%, 2019: 4.7%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007. Therefore, growth rates were annualized over the 2006–2008 period.

Figure 9. Percentage change (standard error) in total premiums from previous year per enrolled employee for single, employee-plus-one, and family coverage, 2006–2019

Year Single Employee-Plus-One Family
2007 3.2% 3.4% 4.0%
(Standard Error) (0.8%) (0.8%) (0.8%)
2008 3.2% 3.4% 4.0%
(Standard Error) (0.8%) (0.8%) (0.8%)
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%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007. Therefore, growth rates were annualized over the 2006–2008 period.



Figure 10. Average total single premium per enrolled employee, by firm size, 2006–2019
Line graph. United States: 2006: $4,118 -- 2019: $6,920; Small (<50 Employees): 2006: $4,260 -- 2019: $6,629; Medium (50–99 Employees): 2006: $4,045 -- 2019: $6,972; Large (100+ Employees): 2006: $4,080 -- 2019: $7,019. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 10. Average total single premium (standard error) per enrolled employee, by firm size, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. $4,118 $4,386 $4,669 $4,940 $5,222 $5,384 $5,571 $5,832 $5,963 $6,101 $6,368 $6,715 $6,972
(Standard Error) ($25) ($15) ($21) ($00) ($26) ($28) ($23) ($25) ($26) ($27) ($28) ($31) ($35)
<50 $4,260 $4,501 $4,652 $4,956 $5,258 $5,460 $5,628 $5,886 $5,947 $6,070 $6,421 $6,667 $6,920
(Standard Error) ($34) ($31) ($31) ($34) ($39) ($60) ($39) ($55) ($55) ($53) ($61) ($63) ($73)
50–99 $4,045 $4,215 $4,614 $4,713 $4,861 $5,246 $5,314 $5,549 $5,642 $5,743 $6,163 $6,287 $6,629
(Standard Error) ($66) ($37) ($82) ($52) ($75) ($39) ($73) ($82) ($104) ($96) ($121) ($111) ($99)
100+ $4,080 $4,370 $4,681 $4,959 $5,252 $5,378 $5,584 $5,851 $6,006 $6,146 $6,377 $6,770 $7,019
(Standard Error) ($32) ($26) ($38) ($26) ($31) ($28) ($29) ($30) ($31) ($32) ($33) ($37) ($42)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 11. Average total employee-plus-one premium per enrolled employee, by firm size, 2006–2019
Line graph. United States: 2006: $7,988 -- 2019: $13,989; Small (<50 Employees): 2006: $8,105 -- 2019: $13,619; Medium (50–99 Employees): 2006: $7,774 -- 2019: $13,248; Large (100+ Employees): 2006: $7,981 -- 2019: $14,105. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 11. Average total employee-plus-one premium (standard error) per enrolled employee, by firm size, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. $7,988 $8,535 $9,053 $9,664 $10,329 $10,621 $10,990 $11,503 $11,800 $12,124 $12,789 $13,425 $13,989
(Standard Error) ($48) ($43) ($34) ($60) ($105) ($56) ($54) ($60) ($58) ($60) ($70) ($70) ($83)
<50 $8,105 $8,631 $9,124 $9,850 $10,253 $10,524 $11,050 $11,386 $11,666 $11,833 $12,558 $13,044 $13,619
(Standard Error) ($113) ($110) ($119) ($60) ($104) ($121) ($92) ($163) ($158) ($156) ($170) ($176) ($248)
50–99 $7,774 $8,421 $8,852 $9,166 $9,615 $10,178 $10,673 $10,845 $10,885 $11,389 $11,931 $12,593 $13,248
(Standard Error) ($167) ($88) ($148) ($124) ($192) ($185) ($330) ($187) ($198) ($227) ($232) ($236) ($321)
100+ $7,981 $8,527 $9,058 $9,669 $10,394 $10,672 $11,006 $11,571 $11,892 $12,225 $12,878 $13,537 $14,105
(Standard Error) ($61) ($60) ($34) ($62) ($113) ($70) ($59) ($68) ($66) ($68) ($79) ($79) ($92)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 12. Average total family premium per enrolled employee, by firm size, 2006–2019
Line graph. United States: 2006: $11,381 -- 2019: $20,486; Small (<50 Employees): 2006: $11,095 -- 2019: $19,417; Medium (50–99 Employees): 2006: $10,954 -- 2019: $19,893; Large (100+ Employees): 2006: $11,471 -- 2019: $20.697. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 12. Average total family premium (standard error) per enrolled employee, by firm size, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. $11,381 $12,298 $13,027 $13,871 $15,022 $15,473 $16,029 $16,655 $17,322 $17,710 $18,687 $19,565 $20,486
(Standard Error) ($32) ($81) ($25) ($75) ($98) ($95) ($61) ($79) ($95) ($84) ($105) ($104) ($125)
<50 $11,095 $11,679 $12,041 $13,170 $14,086 $14,496 $15,787 $15,575 $16,919 $16,471 $17,649 $18,296 $19,417
(Standard Error) ($116) ($182) ($129) ($111) ($145) ($181) ($89) ($177) ($212) ($207) ($192) ($231) ($303)
50–99 $10,954 $11,578 $12,431 $13,019 $14,151 $15,421 $15,376 $15,732 $16,336 $16,214 $17,735 $18,386 $19,893
(Standard Error) ($301) ($128) ($229) ($153) ($168) ($273) ($268) ($274) ($335) ($348) ($327) ($473) ($435)
100+ $11,471 $12,468 $13,271 $14,074 $15,245 $15,641 $16,284 $16,903 $17,612 $18,000 $18,911 $19,824 $20,697
(Standard Error) ($51) ($95) ($33) ($85) ($117) ($114) ($82) ($91) ($110) ($95) ($122) ($118) ($143)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 13. Average total single premium per enrolled employee, by State, 2019
Color-coded USA map. Significantly above national average of $6,972: AK, CT, DC, DE, MA, ME, NJ, NY, VT. Significantly below national average of$6,972: AL, AR, AZ, CO, ID, KS, MS, ND, TN, UT. All other states were not significantly different from the national average of $6,972.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2019.

Figure 13. Average total single premium (standard error) per enrolled employee, by State, 2019

State Average Premium State Average Premium State Average Premium
Alabama $6,519* Kentucky $6,678 North Dakota $6,681*
(Standard Error) ($130) (Standard Error) ($156) (Standard Error) ($131)
Alaska $8,933* Louisiana $6,748 Ohio $7,178
(Standard Error) ($544) (Standard Error) ($153) (Standard Error) ($189)
Arizona $6,517* Maine $7,424* Oklahoma $6,711
(Standard Error) ($180) (Standard Error) ($196) (Standard Error) ($222)
Arkansas $6,054* Maryland $7,104 Oregon $6,651
(Standard Error) ($182) (Standard Error) ($244) (Standard Error) ($212)
California $6,939 Massachusetts $7,540* Pennsylvania $7,159
(Standard Error) ($138) (Standard Error) ($158) (Standard Error) ($157)
Colorado $6,550* Michigan $6,705 Rhode Island $7,263*
(Standard Error) ($184) (Standard Error) ($191) (Standard Error) ($136)
Connecticut $7,516* Minnesota $6,904 South Carolina $6,691
(Standard Error) ($199) (Standard Error) ($127) (Standard Error) ($184)
Delaware $8,090* Mississippi $6,199* South Dakota $7,161
(Standard Error) ($310) (Standard Error) ($169) (Standard Error) ($152)
District of Columbia $7,338* Missouri $6,800 Tennessee $6,630*
(Standard Error) ($160) (Standard Error) ($198) (Standard Error) ($159)
Florida $6,763 Montana $6,899 Texas $6,967
(Standard Error) ($235) (Standard Error) ($188) (Standard Error) ($147)
Georgia $6,873 Nebraska $6,628 Utah $6,253*
(Standard Error) ($165) (Standard Error) ($181) (Standard Error) ($122)
Hawaii $6,671 Nevada $6,586 Vermont $7,319*
(Standard Error) ($150) (Standard Error) ($259) (Standard Error) ($138)
Idaho $6,346* New Hampshire $7,255 Virginia $6,776
(Standard Error) ($166) (Standard Error) ($203) (Standard Error) ($174)
Illinois $7,157 New Jersey $7,777* Washington $6,897
(Standard Error) ($104) (Standard Error) ($247) (Standard Error) ($142)
Indiana $6,957 New Mexico $6,696 West Virginia $7,059
(Standard Error) ($137) (Standard Error) ($175) (Standard Error) ($217)
Iowa $6,657 New York $7,890* Wisconsin $7,001
(Standard Error) ($187) (Standard Error) ($151) (Standard Error) ($165)
Kansas $6,338* North Carolina $6,793 Wyoming $7,209
(Standard Error) ($154) (Standard Error) ($122) (Standard Error) ($270)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2019.

Note: * Statistically different from the national average of $6,972 at p < 0.05. Note that the standard error on the national estimate of $6,972 is $34.68.



Figure 14. Average percentage of premium contributed by employees for single, employee-plus-one, and family coverage, 2006–2019
Line graph. Single: 2006: 19.1%, 2019: 21.4%; Plus One: 2006: 23.8%, 2019: 27.7%; Family: 2006: 25.4%, 2019: 28.0%. Refer to following table for data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 14. Average percentage (standard error) of premium contributed by employees for single, employee-plus-one, and family coverage, 2006–2019

Coverage 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Single 19.1% 20.1% 20.5% 20.7% 20.9% 20.8% 21.0% 21.2% 21.1% 21.7% 22.2% 21.3% 21.4%
(Standard Error) (0.4%) (0.2%) (0.3%) (0.2%) (0.2%) (0.3%) (0.3%) (0.2%) (0.2%) (0.2%) (0.2%) (0.2%) (0.3%)
Plus One 23.8% 27.0% 26.1% 25.8% 26.5% 26.6% 26.7% 26.9% 27.3% 27.8% 27.6% 27.1% 27.7%
(Standard Error) (0.4%) (0.3%) (0.3%) (0.3%) (0.3%) (0.4%) (0.2%) (0.3%) (0.3%) (0.3%) (0.3%) (0.3%) (0.4%)
Family 25.4% 27.6% 26.7% 26.8% 26.4% 27.4% 27.6% 27.1% 27.2% 28.0% 27.9% 27.8% 28.0%
(Standard Error) (0.3%) (0.4%) (0.3%) (0.4%) (0.3%) (0.4%) (0.3%) (0.3%) (0.3%) (0.3%) (0.4%) (0.3%) (0.4%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 15. Average annual employee contribution (in dollars) for single, employee-plus-one, and family coverage, 2006–2019
Line graph. Single: 2006: $788 -- 2019: $1,489; Plus One: 2006: $1,903 -- 2019: $3,881; Family: 2006: $2,890 -- 2019: $5,726; Refer to following table for data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 15. Average annual employee contribution (in dollars) (standard error) for single, employee-plus-one, and family coverage, 2006–2019

Coverage 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Single $788 $882 $957 $1,021 $1,090 $1,118 $1,170 $1,234 $1,255 $1,325 $1,415 $1,427 $1,489
(Standard Error) ($16) ($6) ($13) ($14) ($9) ($14) ($16) ($13) ($14) ($13) ($15) ($14) ($18)
Plus One $1,903 $2,303 $2,363 $2,498 $2,736 $2,824 $2,940 $3,097 $3,220 $3,376 $3,531 $3,634 $3,881
(Standard Error) ($24) ($22) ($27) ($42) ($36) ($46) ($23) ($40) ($35) ($36) ($39) ($39) ($54)
Family $2,890 $3,394 $3,474 $3,721 $3,962 $4,236 $4,421 $4,518 $4,710 $4,956 $5,218 $5,431 $5,726
(Standard Error) ($34) ($54) ($44) ($53) ($42) ($69) ($50) ($48) ($56) ($56) ($64) ($63) ($82)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 16. Percentage of private-sector enrolled employees in a health insurance plan with a deductible, overall and by firm size, 2006–2019
Line graph. United States: 2006: 66.4%, 2019: 86.6%; Small (<50 Employees): 2006: 66.6%, 2019: 84.1%; Medium (50–99 Employees): 2006: 67.9%, 2019: 87.5%; Large (100+ Employees): 2006: 66.2%, 2019: 87.1%. Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.

Figure 16. Percentage (standard error) of private-sector enrolled employees in a health insurance plan with a deductible, overall and by firm size, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. 66.4% 70.7% 73.8% 77.5% 77.8% 79.6% 81.3% 83.9% 85.4% 84.5% 87.5% 87.3% 86.6%
(Standard Error) (0.6%) (0.5%) (0.5%) (0.3%) (0.7%) (0.6%) (0.7%) (0.5%) (0.5%) (0.5%) (0.4%) (0.4%) (0.5%)
<50 66.6% 70.9% 73.5% 75.7% 76.3 79.5% 79.5% 80.8% 82.1% 81.7% 82.3% 83.0% 84.1%
(Standard Error) (0.7%) (0.7%) (0.7%) (0.7%) (0.4%) (1.0%) (0.8%) (0.8%) (0.8%) (0.8%) (0.8%) (0.8%) (0.9%)
50–99 67.9% 70.3% 70.6% 78.2% 79.6% 80.3% 78.0% 82.4% 85.3% 82.5% 83.7% 85.1% 87.5%
(Standard Error) (2.6%) (1.4%) (1.9%) (1.5%) (1.7%) (1.4%) (1.1%) (1.5%) (1.5%) (1.5%) (1.6%) (1.4%) (1.5%)
100+ 66.2% 70.7% 74.2% 77.8% 77.9% 79.6% 81.9% 84.6% 86.1% 85.2% 88.8% 88.3 87.1%
(Standard Error) (0.8%) (0.6%) (0.6%) (0.3%) (1.0%) (0.7%) (0.7%) (0.6%) (0.6%) (0.6%) (0.4%) (0.5%) (0.5%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007.



Figure 17. Average individual deductible (in dollars) per employee enrolled with single coverage in a health insurance plan with a deductible, overall and by firm size, 2006–2019
Line graph. United States: 2006: $714 -- 2019: $1,931; Small (<50 Employees): 2006: $1,007 -- 2019: $2,386; Medium (50–99 Employees): 2006: $855 -- 2019: $2,441; Large (100+ Employees): 2006: $605 -- 2019: $1,778; Refer to following table for more data.

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007. 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 heath insurance plan with a deductible to increase by about 5 percent at the national level in 2015 relative to the earlier methodology.

Figure 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, 2006–2019

Number of Employees 2006 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
U.S. $714 $869 $917 $1,025 $1,123 $1,167 $1,273 $1,353 $1,541 $1,696 $1,808 $1,846 $1,931
(Standard Error) ($9) ($7) ($9) ($18) ($12) ($8) ($20) ($13) ($16) ($16) ($17) ($17) ($18)
<50 $1,007 $1,177 $1,283 $1,447 $1,561 $1,628 $1,695 $1,777 $1,964 $2,105 $2,136 $2,327 $2,386
(Standard Error) ($20) ($13) ($24) ($21) ($26) ($25) ($24) ($28) ($35) ($34) ($35) ($36) ($35)
50–99 $855 $1,149 $1,249 $1,522 $1,543 $1,622 $1,755 $1,744 $2,008 $2,173 $2,361 $2,369 $2,441
(Standard Error) ($71) ($62) ($46) ($57) ($49) ($64) ($49) ($59) ($62) ($64) ($85) ($65) ($67)
100+ $605 $740 $774 $852 $951 $989 $1,106 $1,205 $1,383 $1,558 $1,681 $1,692 $1,778
(Standard Error) ($12) ($8) ($7) ($20) ($14) ($10) ($19) ($14) ($18) ($18) ($20) ($19) ($21)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2006–2019.

Note: Medical Expenditure Panel Survey-Insurance Component estimates are not available for 2007. 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 heath insurance plan with a deductible to increase by about 5 percent at the national level in 2015 relative to the earlier methodology.