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MEPS Home Medical Expenditure Panel Survey
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Chartbook #25: MEPS Insurance Component Presentation 2020

Figure 1. Percentage of private-sector employees in establishments that offer health insurance, by firm size, 2008-2020
Line graph. Refer to following table for more data.

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

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

TABLE SUMMARY TABLE SUMMARY

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.



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
Color-coded USA map.

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

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

TABLE SUMMARY TABLE SUMMARY

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.



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
Line graph.Refer to following table for more data.

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 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

TABLE SUMMARY TABLE SUMMARY

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.
Line graph. Refer to following table for more data.

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

TABLE SUMMARY TABLE SUMMARY

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

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 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

TABLE SUMMARY TABLE SUMMARY

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 of private-sector employees working in establishments that offer two or more health insurance plans, overall and by firm size, 2008-2020
Line graph. Refer to following table for more data.

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 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

TABLE SUMMARY TABLE SUMMARY

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 of private-sector establishments that offer health insurance that self-insure at least one plan, overall and by detailed firm size, 2008-2020
Line graph. Refer to following table for more data.

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

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

TABLE SUMMARY TABLE SUMMARY

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.



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

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

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

TABLE SUMMARY TABLE SUMMARY

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
Line graph. Refer to following table for more data.

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

TABLE SUMMARY 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%)

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
Line graph. Refer to following table for more data.

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

TABLE SUMMARY TABLE SUMMARY

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
Line graph. Refer to following table for more data.

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

TABLE SUMMARY TABLE SUMMARY

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
Line graph. Refer to following table for more data.

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

TABLE SUMMARY TABLE SUMMARY

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
Color-coded USA map.

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

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

TABLE SUMMARY TABLE SUMMARY

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.



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

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

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

TABLE SUMMARY TABLE SUMMARY

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
Line graph. Refer to following table for data.

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

TABLE SUMMARY TABLE SUMMARY

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 of private-sector enrolled employees in a health insurance plan with a deductible, overall and by firm size, 2008–2020
Line graph. Refer to following table for more data.

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

TABLE SUMMARY TABLE SUMMARY

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) per employee enrolled with single coverage in a health insurance plan with a deductible, overall and by firm size, 2008–2020
Line graph. Refer to following table for more data.

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 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, 2008-2020

TABLE SUMMARY TABLE SUMMARY

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.

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