Employer-Sponsored Health Insurance

MEPS Statistical Brief No. 445

While not all employers offer all types of coverage, health insurance can be broken into three broad categories: single coverage (employee only), employee-plus-one coverage (employee, plus only one family member), and family coverage (employee, plus one or more family members). When offered for the same health insurance plan, employee-plus-one coverage has a higher premium than single coverage but a lower premium than family coverage.

Selection and Costs for Employer Sponsored Health Insurance, a statistical brief from the Medical Expenditure Panel Survey (MEPS), presents statistics on the selection, and cost of all three types of coverage for employer-sponsored health insurance in the private sector in 2013, and compares the 2013 results to those for 2012.


  • In 2013, 51.3 percent of private-sector employees enrolled in employer-sponsored health insurance chose single coverage, rather than employee-plus-one or family coverage. This percentage did not differ from that for 2012.
  • Average annual total premiums across all three coverage types were up in 2013 compared to 2012. Single premiums rose 3.5 percent, employee-plus-one premiums rose 3.5 percent, and family premiums rose 3.6 percent.
  • The average annual dollar amount that employees contributed toward the premium also rose for all three types of coverage in 2013 versus 2012.

Select to access Selection and Costs for Employer Sponsored Health Insurance.

Page last reviewed July 2014
Internet Citation: Employer-Sponsored Health Insurance: MEPS Statistical Brief No. 445. July 2014. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/news/meps2.html