CHA News Article

Report Highlights Findings of California Employer Health Benefits Survey

The California HealthCare Foundation (CHCF) has released a report that reveals only 58 percent of firms reported providing health insurance to employees, down from 69 percent in 2000. The data, compiled from the 2014 California Employer Health Benefits Survey, are outlined in the CHCF report titled California Employer Health Benefits: Rising Costs, Shrinking Coverage. The survey found that four in 10 firms said they expected to increase employees’ premium contributions in 2015, while 19 percent said they were likely to raise deductibles.

The report notes, “The percentage of employers offering coverage continues to decline in California, and many covered workers are seeing reduced benefits and increased cost sharing – trends with major implications for the household budgets of millions of people.”

The report outlines:

  • Employers, workers and covered workers, by firm size;
  • Employers offering coverage, by firm characteristics and firm size;
  • Employee eligibility, take-up rates and coverage;
  • Worker coverage rates among firms offering health benefits;
  • Annual and cumulative premium growth compared to inflation;
  • Average monthly premium, by plan type;
  • Annual worker and employer premium contributions;
  • Worker share of premium, by firm size;
  • Workers with office visit copayments, by plan type;
  • Workers with annual and large deductibles, deductibles for single coverage, by plan type;
  • Deductibles for family coverage, by plan type;
  • Annual out-of-pocket limits for single and family coverage;
  • Workers’ cost sharing for prescriptions;
  • Average prescription copayments, by drug type;
  • Enrollment of covered workers, by plan type;
  • Firms offering a high-deductible health plan, by firm size; and
  • Employees in self-insured plan types, by plan type.

Other key findings include:

  • The average monthly health plan premium in California was $1,467 for family coverage and $560 for single coverage. These figures include the employer contribution.
  • California premiums, which include the employer contribution, were 11 percent higher than the national average for single coverage and 5 percent higher for family coverage. Historically, health insurance premiums in California have been lower than the national average.
  • Since 2002, health plan premiums in California have risen by 189 percent, outpacing the 33 percent rise in overall inflation.
  • One in three workers in small firms faced a deductible of at least $1,000 for single coverage, compared to 14 percent of workers at large firms.
  • In 2014, 28 percent of large firms reduced health benefits or increased cost sharing, while only 8 percent of small firms did so.

The complete report and infographic are available on the CHCF website at  www.chcf.org/publications/2015/04/employer-health-benefits.

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