Chartbook #25: MEPS Insurance Component Presentation 2020

Figure 1. Percentage (standard error) of private-sector employees in establishments that offer health insurance, by firm size, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	87.7%	87.6%	86.5%	85.3%	84.7%	84.9%	83.2%	83.8%	84.3%	84.5%	84.6%	85.3%	86.9%
(Standard Error)	(0.3%)	(0.2%)	(0.2%)	(0.2%)	(0.3%)	(0.3%)	(0.3%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)
<50	61.6%	59.6%	57.8%	54.7%	52.9%	53.1%	49.8%	47.6%	47.7%	48.3%	47.3%	50.7%	50.5%
(Standard Error)	(0.5%)	(0.5%)	(0.5%)	(0.4%)	(0.6%)	(0.7%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.7%)	(0.7%)
50–99	90.7%	89.6%	87.3%	85.6%	84.1%	87.0%	83.0%	85.3%	88.6%	86.3%	88.0%	88.0%	88.5%
(Standard Error)	(0.9%)	(1.3%)	(0.9%)	(1.0%)	(1.4%)	(1.0%)	(1.3%)	(1.2%)	(1.0%)	(1.2%)	(1.1%)	(1.1%)	(1.2%)
100+	98.2%	98.8%	98.5%	98.1%	98.2%	98.0%	97.3%	98.8%	98.9%	98.9%	99.0%	99.0%	98.8%
(Standard Error)	(0.3%)	(0.1%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.1%)	(0.2%)	(0.2%)	(0.1%)	(0.2%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Color-coded USA map. — Figure 2. Percentage (standard error) of private-sector employees in establishments that offer health insurance, by State, firm size < 50 employees, 3-year average, 2018-2020

Figure 2. Percentage (standard error) of private-sector employees in establishments that offer health insurance, by State, firm size < 50 employees, 3-year average, 2018-2020

State	Percentage	State	Percentage	State	Percentage
Alabama	54.9%*	Kentucky	49.4%	North Dakota	56.3%*
(Standard Error)	(2.3%)	(Standard Error)	(2.6%)	(Standard Error)	(2.1%)
Alaska	35.5%*	Louisiana	50.2%	Ohio	50.0%
(Standard Error)	(2.3%)	(Standard Error)	(2.5%)	(Standard Error)	(2.4%)
Arizona	45.5%	Maine	45.0%	Oklahoma	50.2%
(Standard Error)	(2.7%)	(Standard Error)	(2.4%)	(Standard Error)	(2.3%)
Arkansas	40.4%*	Maryland	56.8%*	Oregon	48.2%
(Standard Error)	(2.5%)	(Standard Error)	(2.4%)	(Standard Error)	(2.1%)
California	50.2%	Massachusetts	62.5%*	Pennsylvania	55.6%*
(Standard Error)	(1.4%)	(Standard Error)	(2.5%)	(Standard Error)	(1.9%)
Colorado	46.1%	Michigan	50.5%	Rhode Island	56.1%*
(Standard Error)	(2.4%)	(Standard Error)	(2.3%)	(Standard Error)	(2.5%)
Connecticut	57.8%*	Minnesota	49.2%	South Carolina	40.8%*
(Standard Error)	(2.3%)	(Standard Error)	(2.4%)	(Standard Error)	(2.4%)
Delaware	50.5%	Mississippi	45.6%	South Dakota	50.1%
(Standard Error)	(2.9%)	(Standard Error)	(2.6%)	(Standard Error)	(2.1%)
District of Columbia	70.4%*	Missouri	49.2%	Tennessee	48.3%
(Standard Error)	(2.6%)	(Standard Error)	(2.4%)	(Standard Error)	(2.5%)
Florida	41.7%*	Montana	37.6%*	Texas	47.4%
(Standard Error)	(2.1%)	(Standard Error)	(2.1%)	(Standard Error)	(1.7%)
Georgia	41.1%*	Nebraska	41.2%*	Utah	38.1%*
(Standard Error)	(2.5%)	(Standard Error)	(2.3%)	(Standard Error)	(2.5%)
Hawaii	90.2%*	Nevada	51.3%	Vermont	46.1%
(Standard Error)	(1.3%)	(Standard Error)	(2.9%)	(Standard Error)	(2.0%)
Idaho	39.9%*	New Hampshire	55.3%*	Virginia	50.8%
(Standard Error)	(2.3%)	(Standard Error)	(2.3%)	(Standard Error)	(2.3%)
Illinois	53.7%*	New Jersey	57.1%*	Washington	50.1%
(Standard Error)	(2.0%)	(Standard Error)	(2.3%)	(Standard Error)	(2.2%)
Indiana	43.9%*	New Mexico	40.9%*	West Virginia	44.1%*
(Standard Error)	(2.4%)	(Standard Error)	(2.3%)	(Standard Error)	(2.6%)
Iowa	54.2%*	New York	55.7%*	Wisconsin	44.4%*
(Standard Error)	(2.2%)	(Standard Error)	(1.6%)	(Standard Error)	(2.3%)
Kansas	54.7%*	North Carolina	38.5%*	Wyoming	38.0%*
(Standard Error)	(2.3%)	(Standard Error)	(2.2%)	(Standard Error)	(2.1%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2018-2020.

Note: * Statistically different from the national average of 49.5 percent at p < 0.05. Note that the standard error on the national estimate of 49.5 percent is 0.39 percent.

Line graph.Refer to following table for more data. — Figure 3. Coverage Rate Percentage of private-sector employees who are enrolled in health insurance at establishments that offer health insurance, overall and by firm size, 2008-2020

Figure 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, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	61.4%	61.1%	59.8%	59.4%	58.9%	58.2%	57.8%	57.0%	56.0%	56.5%	56.5%	55.8%	57.0%
(Standard Error)	(0.4%)	(0.4%)	(0.5%)	(0.2%)	(0.4%)	(0.3%)	(0.4%)	(0.4%)	(0.4%)	(0.4%)	(0.4%)	(0.5%)	(0.4%)
<50	59.7%	59.6%	59.2%	58.6%	57.7%	57.1%	56.8%	57.0%	55.5%	55.4%	56.2%	53.9%	55.1%
(Standard Error)	(0.2%)	(0.4%)	(0.6%)	(0.5%)	(0.5%)	(0.5%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.7%)
50–99	56.3%	60.1%	55.9%	54.9%	55.4%	54.7%	54.5%	55.8%	51.2%	52.2%	50.3%	53.8%	53.4%
(Standard Error)	(1.0%)	(1.0%)	(0.8%)	(1.0%)	(1.2%)	(0.8%)	(1.3%)	(1.2%)	(1.2%)	(1.2%)	(1.2%)	(1.2%)	(1.3%)
100+	62.4%	61.6%	60.4%	60.0%	59.5%	58.8%	58.3%	57.1%	56.6%	57.1%	57.1%	56.4%	57.7%
(Standard Error)	(0.5%)	(0.6%)	(0.6%)	(0.3%)	(0.4%)	(0.3%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.6%)	(0.5%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

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

Figure 4. Percentage (standard error) of private-sector employees eligible for health insurance at establishments that offer health insurance, overall and by firm size, 2008–2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	78.1%	79.5%	78.2%	78.0%	77.8%	77.8%	75.4%	76.0%	76.5%	76.8%	78.0%	77.7%	80.5%
(Standard Error)	(0.4%)	(0.3%)	(0.5%)	(0.4%)	(0.3%)	(0.2%)	(0.4%)	(0.4%)	(0.4%)	(0.4%)	(0.4%)	(0.4%)	(0.4%)
<50	78.5%	79.3%	78.6%	78.7%	77.9%	78.0%	77.7%	79.1%	78.7%	78.3%	79.1%	78.1%	80.2%
(Standard Error)	(0.4%)	(0.5%)	(0.5%)	(0.6%)	(0.5%)	(0.4%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)
50–99	75.3%	79.2%	74.5%	73.6%	76.4%	76.2%	74.1%	77.8%	76.2%	75.5%	75.6%	78.1%	77.6%
(Standard Error)	(1.3%)	(0.8%)	(0.6%)	(1.0%)	(1.2%)	(0.8%)	(1.4%)	(1.2%)	(1.2%)	(1.2%)	(1.2%)	(1.2%)	(1.4%)
100+	78.3%	79.6%	78.5%	78.3%	77.9%	77.9%	75.0%	75.2%	76.0%	76.6%	78.0%	77.5%	80.8%
(Standard Error)	(0.4%)	(0.5%)	(0.6%)	(0.4%)	(0.3%)	(0.3%)	(0.5%)	(0.5%)	(0.4%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

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

Figure 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, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	78.7%	76.9%	76.5%	76.1%	75.8%	74.8%	76.7%	75.0%	73.3%	73.5%	72.4%	71.9%	70.8%
(Standard Error)	(0.3%)	(0.3%)	(0.2%)	(0.3%)	(0.3%)	(0.2%)	(0.3%)	(0.3%)	(0.3%)	(0.3%)	(0.4%)	(0.4%)	(0.4%)
<50	76.0%	75.2%	75.3%	74.4%	74.1%	73.1%	73.0%	72.1%	70.4%	70.7%	71.0%	69.0%	68.7%
(Standard Error)	(0.3%)	(0.3%)	(0.6%)	(0.4%)	(0.4%)	(0.6%)	(0.5%)	(0.5%)	(0.5%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)
50–99	74.9%	75.9%	75.1%	74.5%	72.5%	71.8%	73.5%	71.7%	67.2%	69.1%	66.6%	68.9%	68.8%
(Standard Error)	(0.5%)	(0.9%)	(0.7%)	(0.6%)	(0.8%)	(1.0%)	(1.0%)	(1.1%)	(1.2%)	(1.1%)	(1.1%)	(1.0%)	(1.0%)
100+	79.7%	77.5%	76.9%	76.7%	76.4%	75.5%	77.8%	76.0%	74.4%	74.5%	73.3%	72.7%	71.4%
(Standard Error)	(0.4%)	(0.5%)	(0.3%)	(0.3%)	(0.4%)	(0.3%)	(0.3%)	(0.3%)	(0.4%)	(0.4%)	(0.4%)	(0.5%)	(0.4%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

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

Figure 6. Percentage (standard error) of private-sector working in establishments that offer two or more health insurance plans, overall and by firm size, 2008–2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	64.8%	66.5%	65.6%	65.5%	65.3%	66.0%	67.0%	70.2%	71.7%	72.4%	75.7%	75.8%	73.8%
(Standard Error)	(0.6%)	(0.7%)	(0.8%)	(0.5%)	(0.7%)	(0.6%)	(0.6%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.6%)
<50	26.8%	27.3%	26.7%	27.2%	29.3%	28.4%	29.6%	33.6%	34.2%	34.9%	37.8%	41.4%	39.9%
(Standard Error)	(0.7%)	(0.9%)	(0.8%)	(0.9%)	(0.8%)	(1.0%)	(0.9%)	(1.1%)	(1.0%)	(1.0%)	(1.0%)	(1.1%)	(1.1%)
50–99	42.5%	42.8%	44.1%	46.8%	43.7%	46.6%	46.8%	50.2%	56.2%	59.3%	56.4%	58.7%	58.6%
(Standard Error)	(1.7%)	(2.0%)	(1.9%)	(2.2%)	(1.7%)	(2.2%)	(2.1%)	(2.2%)	(2.0%)	(1.9%)	(1.9%)	(2.0%)	(2.1%)
100+	76.9%	78.5%	77.3%	76.3%	75.7%	76.5%	77.0%	79.7%	80.7%	81.0%	84.7%	84.5%	81.0%
(Standard Error)	(0.7%)	(0.7%)	(1.0%)	(0.7%)	(0.7%)	(0.7%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.5%)	(0.6%)	(0.6%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

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

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, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	34.2%	35.1%	35.8%	36.9%	37.2%	37.6%	37.2%	39.0%	40.7%	39.2%	38.7%	39.4%	41.9%
(Standard Error)	(0.4%)	(0.4%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.5%)	(0.6%)	(0.6%)	(0.6%)	(0.6%)	(0.7%)
<10	14.0%	14.6%	13.1%	12.6%	14.9%	15.2%	14.4%	15.8%	19.3%	17.7%	13.1%	14.8%	17.6%
(Standard Error)	(0.8%)	(0.7%)	(0.5%)	(0.8%)	(0.9%)	(0.4%)	(0.8%)	(1.0%)	(1.4%)	(1.4%)	(1.1%)	(1.3%)	(1.7%)
10–24	11.1%	10.4%	11.6%	9.9%	10.7%	9.0%	12.0%	10.6%	13.6%	13.3%	13.8%	12.2%	13.1%
(Standard Error)	(0.9%)	(0.4%)	(0.8%)	(0.7%)	(0.7%)	(0.7%)	(1.0%)	(1.0%)	(1.1%)	(1.2%)	(1.2%)	(1.1%)	(1.2%)
25–99	12.6%	13.4%	14.3%	12.2%	13.5%	12.4%	12.2%	13.7%	16.6%	16.0%	12.9%	17.2%	16.3%
(Standard Error)	(0.8%)	(0.7%)	(0.7%)	(0.7%)	(0.7%)	(0.7%)	(0.8%)	(0.9%)	(0.9%)	(0.9%)	(0.8%)	(0.9%)	(0.9%)
100–999	32.7%	29.9%	30.9%	31.7%	30.1%	30.1%	32.5%	33.7%	34.4%	37.2%	35.1%	33.9%	35.8%
(Standard Error)	(1.3%)	(0.7%)	(0.9%)	(1.1%)	(0.8%)	(1.0%)	(1.2%)	(1.2%)	(1.2%)	(1.3%)	(1.2%)	(1.1%)	(1.2%)
1,000+	86.5%	85.8%	86.6%	87.5%	87.1%	88.0%	84.2%	83.8%	81.9%	78.6%	81.6%	83.1%	77.8%
(Standard Error)	(0.5%)	(0.4%)	(0.6%)	(0.5%)	(0.7%)	(0.5%)	(0.8%)	(0.8%)	(0.8%)	(0.8%)	(0.8%)	(0.8%)	(0.9%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Bar graph. Refer to following table for data. — Figure 8. Average total premiums (standard error) per enrolled employee for single, employee-plus-one and family coverage, 2008-2020

Figure 8. Average total premiums (standard error) per enrolled employee for single, employee-plus-one and family coverage, 2008-2020

Coverage	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
Single	$4,386	$4,669	$4,940	$5,222	$5,384	$5,571	$5,832	$5,963	$6,101	$6,368	$6,715	$6,972	$7,149
(Standard Error)	($15)	($21)	($22)	($26)	($28)	($23)	($25)	($26)	($27)	($28)	($31)	($35)	($35)
Plus One	$8,535	$9,053	$9,664	$10,329	$10,621	$10,990	$11,503	$11,800	$12,124	$12,789	$13,425	$13,989	$14,191
(Standard Error)	($43)	($34)	($60)	($105)	($56)	($54)	($60)	($58)	($60)	($70)	($70)	($83)	($93)
Family	$12,298	$13,027	$13,871	$15,022	$15,473	$16,029	$16,655	$17,322	$17,710	$18,687	$19,565	$20,486	$20,758
(Standard Error)	($81)	($25)	($75)	($98)	($95)	($61)	($79)	($95)	($84)	($105)	($104)	($125)	($124)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 9. Percentage change (standard error) in total premiums from previous year per enrolled employee for single, employee-plus-one, and family coverage, 2009–2020

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%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 10. Average total single premium (standard error) per enrolled employee, by firm size, 2008–2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	$4,386	$4,669	$4,940	$5,222	$5,384	$5,571	$5,832	$5,963	$6,101	$6,368	$6,715	$6,972	$7,149
(Standard Error)	($15)	($21)	($22)	($26)	($28)	($23)	($25)	($26)	($27)	($28)	($31)	($35)	($35)
<50	$4,501	$4,652	$4,956	$5,258	$5,460	$5,628	$5,886	$5,947	$6,070	$6,421	$6,667	$6,920	$7,045
(Standard Error)	($31)	($31)	($34)	($39)	($60)	($39)	($55)	($55)	($53)	($61)	($63)	($73)	($70)
50–99	$4,215	$4,614	$4,713	$4,861	$5,246	$5,314	$5,549	$5,642	$5,743	$6,163	$6,287	$6,629	$6,870
(Standard Error)	($37)	($82)	($52)	($75)	($39)	($73)	($82)	($104)	($96)	($121)	($111)	($99)	($129)
100+	$4,370	$4,681	$4,959	$5,252	$5,378	$5,584	$5,851	$6,006	$6,146	$6,377	$6,770	$7,019	$7,197
(Standard Error)	($26)	($38)	($23)	($31)	($28)	($29)	($30)	($31)	($32)	($33)	($37)	($42)	($41)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 11. Average total employee-plus-one premium (standard error) per enrolled employee, by firm size, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	$8,535	$9,053	$9,664	$10,329	$10,621	$10,990	$11,503	$11,800	$12,124	$12,789	$13,425	$13,989	$14,191
(Standard Error)	($43)	($34)	($60)	($105)	($56)	($54)	($60)	($58)	($60)	($70)	($70)	($83)	($93)
<50	$8,631	$9,124	$9,850	$10,253	$10,524	$11,050	$11,386	$11,666	$11,833	$12,558	$13,044	$13,619	$13,522
(Standard Error)	($110)	($119)	($80)	($104)	($121)	($92)	($163)	($158)	($156)	($170)	($176)	($248)	($212)
50–99	$8,421	$8,852	$9,166	$9,615	$10,178	$10,673	$10,845	$10,885	$11,389	$11,931	$12,593	$13,248	$13,766
(Standard Error)	($88)	($148)	($124)	($192)	($185)	($330)	($187)	($198)	($227)	($232)	($236)	($321)	($246)
100+	$8,527	$9,058	$9,669	$10,394	$10,672	$11,006	$11,571	$11,892	$12,225	$12,878	$13,537	$14,105	$14,304
(Standard Error)	($60)	($34)	($62)	($113)	($70)	($59)	($68)	($66)	($68)	($79)	($79)	($92)	($106)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 12. Average total family premium (standard error) per enrolled employee, by firm size, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	$12,298	$13,027	$13,871	$15,022	$15,473	$16,029	$16,655	$17,322	$17,710	$18,687	$19,565	$20,486	$20,758
(Standard Error)	($81)	($25)	($75)	($98)	($95)	($61)	($79)	($95)	($84)	($105)	($104)	($125)	($124)
<50	$11,679	$12,041	$13,170	$14,086	$14,496	$14,787	$15,575	$15,919	$16,471	$17,649	$18,296	$19,417	$19,416
(Standard Error)	($182)	($129)	($111)	($145)	($181)	($89)	($177)	($212)	($207)	($192)	($231)	($303)	($283)
50–99	$11,578	$12,431	$13,019	$14,151	$15,421	$15,376	$15,732	$16,336	$16,214	$17,735	$18,386	$19,893	$19,827
(Standard Error)	($128)	($229)	($153)	($168)	($273)	($268)	($274)	($335)	($348)	($327)	($473)	($435)	($422)
100+	$12,468	$13,271	$14,074	$15,245	$15,641	$16,284	$16,903	$17,612	$18,000	$18,911	$19,824	$20,697	$20,990
(Standard Error)	($95)	($33)	($85)	($117)	($114)	($82)	($91)	($110)	($95)	($122)	($118)	($143)	($139)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 13. Average total single premium (standard error) per enrolled employee, by State, 3-year average, 2018-2020

State	Average Premium	State	Average Premium	State	Average Premium
Alabama	$6,336*	Kentucky	$6,770	North Dakota	$6,841
(Standard Error)	($102)	(Standard Error)	($100)	(Standard Error)	($75)
Alaska	$8,672*	Louisiana	$6,666*	Ohio	$6,995
(Standard Error)	($206)	(Standard Error)	($106)	(Standard Error)	($98)
Arizona	$6,453*	Maine	$7,261*	Oklahoma	$6,807
(Standard Error)	($88)	(Standard Error)	($89)	(Standard Error)	($103)
Arkansas	$6,152*	Maryland	$7,048	Oregon	$6,669*
(Standard Error)	($107)	(Standard Error)	($116)	(Standard Error)	($113)
California	$6,884	Massachusetts	$7,477*	Pennsylvania	$7,059
(Standard Error)	($72)	(Standard Error)	($114)	(Standard Error)	($87)
Colorado	$6,662*	Michigan	$6,564*	Rhode Island	$7,208*
(Standard Error)	($94)	(Standard Error)	($100)	(Standard Error)	($81)
Connecticut	$7,426*	Minnesota	$6,865	South Carolina	$6,950
(Standard Error)	($104)	(Standard Error)	($108)	(Standard Error)	($95)
Delaware	$7,427*	Mississippi	$6,256*	South Dakota	$7,058
(Standard Error)	($151)	(Standard Error)	($91)	(Standard Error)	($86)
District of Columbia	$7,370*	Missouri	$6,875	Tennessee	$6,358*
(Standard Error)	($95)	(Standard Error)	($107)	(Standard Error)	($79)
Florida	$6,830	Montana	$6,871	Texas	$6,849
(Standard Error)	($113)	(Standard Error)	($99)	(Standard Error)	($77)
Georgia	$6,848	Nebraska	$7,007	Utah	$6,315*
(Standard Error)	($131)	(Standard Error)	($110)	(Standard Error)	($93)
Hawaii	$6,731*	Nevada	$6,365*	Vermont	$7,369*
(Standard Error)	($79)	(Standard Error)	($110)	(Standard Error)	($84)
Idaho	$6,428*	New Hampshire	$7,544*	Virginia	$6,780
(Standard Error)	($104)	(Standard Error)	($124)	(Standard Error)	($86)
Illinois	$7,217*	New Jersey	$7,554*	Washington	$6,996
(Standard Error)	($76)	(Standard Error)	($115)	(Standard Error)	($114)
Indiana	$7,016	New Mexico	$6,932	West Virginia	$6,988
(Standard Error)	($102)	(Standard Error)	($107)	(Standard Error)	($132)
Iowa	$6,791	New York	$7,937*	Wisconsin	$7,021
(Standard Error)	($94)	(Standard Error)	($105)	(Standard Error)	($94)
Kansas	$6,417*	North Carolina	$6,723*	Wyoming	$7,205
(Standard Error)	($93)	(Standard Error)	($72)	(Standard Error)	($133)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2018-2020.

Note: * Statistically different from national average of $6,944 at p < 0.05. Note that the standard error on the national estimate of $6,944 is $19.

Line graph. Refer to following table for data. — Figure 14. Average percentage of premium contributed by employees for single, employee-plus-one, and family coverage, 2008-2020

Figure 14. Average percentage (standard error) of premium contributed by employees for single, employee-plus-one, and family coverage, 2008-2020

Coverage	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
Single	20.1%	20.5%	20.7%	20.9%	20.8%	21.0%	21.2%	21.1%	21.7%	22.2%	21.3%	21.4%	21.4%
(Standard Error)	(0.2%)	(0.3%)	(0.2%)	(0.2%)	(0.3%)	(0.3%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.2%)	(0.3%)	(0.2%)
Plus One	27.0%	26.1%	25.8%	26.5%	26.6%	26.7%	26.9%	27.3%	27.8%	27.6%	27.1%	27.7%	28.4%
(Standard Error)	(0.3%)	(0.3%)	(0.3%)	(0.3%)	(0.4%)	(0.2%)	(0.3%)	(0.3%)	(0.3%)	(0.3%)	(0.3%)	(0.4%)	(0.4%)
Family	27.6%	26.7%	26.8%	26.4%	27.4%	27.6%	27.1%	27.2%	28.0%	27.9%	27.8%	28.0%	28.8%
(Standard Error)	(0.4%)	(0.3%)	(0.4%)	(0.3%)	(0.4%)	(0.3%)	(0.3%)	(0.3%)	(0.3%)	(0.4%)	(0.3%)	(0.4%)	(0.4%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 15. Average annual employee contribution (in dollars) (standard error) for single, employee-plus-one, and family coverage, 2008-2020

Coverage	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
Single	$882	$957	$1,021	$1,090	$1,118	$1,170	$1,234	$1,255	$1,325	$1,415	$1,427	$1,489	$1,532
(Standard Error)	($6)	($13)	($14)	($9)	($14)	($16)	($13)	($14)	($13)	($15)	($14)	($18)	($16)
Plus One	$2,303	$2,363	$2,498	$2,736	$2,824	$2,940	$3,097	$3,220	$3,376	$3,531	$3,634	$3,881	$4,035
(Standard Error)	($22)	($27)	($42)	($36)	($46)	($23)	($40)	($35)	($36)	($39)	($39)	($54)	($52)
Family	$3,394	$3,474	$3,721	$3,962	$4,236	$4,421	$4,518	$4,710	$4,956	$5,218	$5,431	$5,726	$5,978
(Standard Error)	($54)	($44)	($53)	($42)	($69)	($50)	($48)	($56)	($56)	($64)	($63)	($82)	($76)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

Figure 16. Percentage (standard error) of private-sector enrolled employees in a health insurance plan with a deductible, overall and by firm size, 2008–2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	70.7%	73.8%	77.5%	77.8%	79.6%	81.3%	83.9%	85.4%	84.5%	87.5%	87.3%	86.6%	89.2%
(Standard Error)	(0.5%)	(0.5%)	(0.3%)	(0.7%)	(0.6%)	(0.7%)	(0.5%)	(0.5%)	(0.5%)	(0.4%)	(0.4%)	(0.5%)	(0.4%)
<50	70.9%	73.5%	75.7%	76.3%	79.5%	79.5%	80.8%	82.1%	81.7%	82.3%	83.0%	84.1%	86.5%
(Standard Error)	(0.7%)	(0.7%)	(0.7%)	(0.4%)	(1.0%)	(0.8%)	(0.8%)	(0.8%)	(0.8%)	(0.8%)	(0.8%)	(0.9%)	(0.8%)
50–99	70.3%	70.6%	78.2%	79.6%	80.3%	78.0%	82.4%	85.3%	82.5%	83.7%	85.1%	87.5%	89.0%
(Standard Error)	(1.4%)	(1.9%)	(1.5%)	(1.7%)	(1.4%)	(1.1%)	(1.5%)	(1.5%)	(1.5%)	(1.6%)	(1.4%)	(1.5%)	(1.5%)
100+	70.7%	74.2%	77.8%	77.9%	79.6%	81.9%	84.6%	86.1%	85.2%	88.8%	88.3%	87.1%	89.7%
(Standard Error)	(0.6%)	(0.6%)	(0.3%)	(1.0%)	(0.7%)	(0.7%)	(0.6%)	(0.6%)	(0.6%)	(0.4%)	(0.5%)	(0.5%)	(0.5%)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

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, 2008-2020

Number of Employees	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
U.S.	$869	$917	$1,025	$1,123	$1,167	$1,273	$1,353	$1,541	$1,696	$1,808	$1,846	$1,931	$1,945
(Standard Error)	($7)	($9)	($18)	($12)	($8)	($20)	($13)	($16)	($16)	($17)	($17)	($18)	($18)
<50	$1,177	$1,283	$1,447	$1,561	$1,628	$1,695	$1,777	$1,964	$2,105	$2,136	$2,327	$2,386	$2,376
(Standard Error)	($13)	($24)	($21)	($26)	($25)	($24)	($28)	($35)	($34)	($35)	($36)	($35)	($39)
50–99	$1,149	$1,249	$1,522	$1,543	$1,622	$1,755	$1,744	$2,008	$2,173	$2,361	$2,369	$2,441	$2,464
(Standard Error)	($62)	($46)	($57)	($49)	($64)	($49)	($59)	($62)	($64)	($85)	($65)	($67)	($67)
100+	$740	$774	$852	$951	$989	$1,106	$1,205	$1,383	$1,558	$1,681	$1,692	$1,778	$1,814
(Standard Error)	($8)	($7)	($20)	($14)	($10)	($19)	($14)	($18)	($18)	($20)	($19)	($21)	($20)

Source: Medical Expenditure Panel Survey-Insurance Component, private-sector establishments, 2008–2020.

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.

Chartbook #25: MEPS Insurance Component Presentation 2020

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