Summary: “It’s not your imagination. If you have employer health insurance, you’re probably paying more and more out of your own pocket,” Jason Millman writes in The Washington Post.
“High-deductible plans have been under the microscope during the past year, given their prevalence among new individual coverage plans offered under the Affordable Care Act. But it’s also a trend that’s also playing out under employer-sponsored health plans covering about 150 million people, as illustrated by the annual survey on employee health benefits from the Kaiser Family Foundation and the Health Research and Educational Trust.
“First, the headline findings from the new survey of about 2,000 firms. The average cost of an employer-sponsored family health plan reached $16,384 this year, up 3 percent from the previous year, with employees paying $4,823 toward that. The increase tracks pretty closely with the growth of wages and inflation over the past year, and it continues a few years of relatively modest premium increases. The number of firms offering coverage was down slightly, from 57 percent in 2013 to 55 percent this year, though a vast majority of companies with 50 or more employees offer coverage (92 percent).
“While premiums in employer plans have grown 26 percent in the past five years, that’s been outpaced over the same time by the 47 percent rise in the average deductible — the amount of care a worker has to pay for before insurance kicks in.” –Jason Millman, ‘Yes, you are paying a lot more for your employer health plan than you used to – The Washington Post.,” Sept. 10, 2014
Jeanne Pinder is the founder and CEO of ClearHealthCosts. She worked at The New York Times for almost 25 years as a reporter, editor and human resources executive, then volunteered for a buyout and founded ClearHealthCosts.
She was previously a fellow at the Tow Center for Digital Journalism at the Columbia University School of Journalism. ClearHealthCosts has won grants from the Tow-Knight Center for Entrepreneurial Journalism at the Craig Newmark Graduate School of Journalism at the City University of New York; the International Women’s Media Foundation; the John S. and James L. Knight Foundation with KQED public radio in San Francisco and KPCC in Los Angeles; the Lenfest Foundation in Philadelphia for a partnership with The Philadelphia Inquirer; and the New York State Health Foundation for a partnership with WNYC public radio/Gothamist in New York; and other honors.
Her TED talk about fixing health costs has surpassed 2 million views.