Premiums and Employee Contributions

MEPS Statistical Brief No. 474

Employer-sponsored health insurance for current employees is one of the primary sources of health insurance coverage in the United States.

Premiums and Employee Contributions for Employer-Sponsored Health Insurance, a statistical brief from the Medical Expenditure Panel Survey (MEPS), presents estimates of average premiums and employee contributions for single, employee-plus-one, and family coverage. Estimates are for public and private sector employees who worked for entities that offered health insurance, and were enrolled in offered health insurance plans. Estimates by census geographic division are also presented for average premiums and employee contributions for single and family coverage for enrollees in both the public and private sectors.

Highlights:

  • In 2013, the average public (State/local governments) sector premiums for single, employee-plus-one, and family coverage were all higher than those for the private sector, with wide variations across geographic areas.
  • Across both the public and private sectors, the highest average health insurance premiums in 2013 were for public sector employees for single coverage in the Pacific census division ($7,769), and for family coverage in the New England division ($19,640).
  • Across both the public and private sectors, the lowest average health insurance premiums in 2013 for single coverage ($5,158), and family coverage ($14,659) were for private sector employees in the East South Central division.
  • On average, public sector employee contributions for family coverage were lower than those for the private sector in all census divisions with the exception of West South Central.

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Page last reviewed June 2015
Internet Citation: Premiums and Employee Contributions : MEPS Statistical Brief No. 474. June 2015. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/news/meps1.html