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
Exhibit ES.1: Percentage (standard error) of private-sector employees in establishments that offer health insurance, by firm size, 2010-2022
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.

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
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
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.

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
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
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.

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
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
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.

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
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
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.

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
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
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.

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
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
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.

Exhibit ES.8 Average total premiums (standard error) per enrolled employee for single,
      employee-plus-one and family coverage, 2010-2022
Exhibit ES.8: Average total premiums (standard error) per enrolled employee for single, employee-plus-one and family coverage, 2010-2022
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.

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
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
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.

Exhibit ES.10 Average total single premium (standard error) per enrolled employee, by
  firm size, 2010-2022
Exhibit ES.10: Average total single premium (standard error) per enrolled employee, by firm size, 2010-2022
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.

Exhibit ES.11 Average total employee-plus-one premium (standard error) per enrolled
      employee, by firm size, 2010-2022
Exhibit ES.11: Average total employee-plus-one premium (standard error) per enrolled employee, by firm size, 2010-2022
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.

Exhibit ES.12 Average total family premium (standard error) per enrolled employee, by
      firm size, 2010-2022
Exhibit ES.12: Average total family premium (standard error) per enrolled employee, by firm size, 2010-2022
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.

Exhibit ES.13 Average total single premium (standard error) per enrolled employee, by
      State, 3-year average, 2020-2022
Exhibit ES.13: Average total single premium (standard error) per enrolled employee, by State, 3-year average, 2020-2022
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.

Exhibit ES.14 Average percentage (standard error) of premium contributed by employees
      for single, employee-plus-one, and family coverage, 2010-2022
Exhibit ES.14: Average percentage (standard error) of premium contributed by employees for single, employee-plus-one, and family coverage, 2010-2022
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.

Exhibit ES.15 Average annual employee contribution (in dollars) (standard error) for
      single, employee-plus-one, and family coverage, 2010-2022
Exhibit ES.15: Average annual employee contribution (in dollars) (standard error) for single, employee-plus-one, and family coverage, 2010-2022
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.

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
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
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.

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
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
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.