1999 to 2005 2005 to 2010 2010 to 20150%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

11%

5% 5%

SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2015

Average Annual Premium Increases for Family Coverage, 1999-2015

SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015.

Average Premiums Increased by Four Percent between 2014 and 2015

2014 2015 2014 2015

$1,081 $1,071

$4,823 $4,955$4,944 $5,179

$12,011 $12,591

Employer ContributionWorker Contribution

$16,834$17,545

$6,025 $6,251

Single Coverage Family Coverage

4%

4%

Cumulative Increases in Health Insurance Premiums, Workers’ Contributions to Premiums, Inflation, and Workers’ Earnings, 1999-2015

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 20150%

50%

100%

150%

200%

250%

75%

158%

221%

88%

138%

203%

20%

42%56%

17%

31% 42%

Workers' Contribution to Family PremiumsHealth Insurance Premiums for Family CoverageWorkers' EarningsOverall Inflation

SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2015. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1999-2015; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2015 (April to April).

Cumulative Increases in Health Insurance Premiums, General Annual Deductibles, and Workers’ Earnings, 2006-2015

2010 2011 2012 2013 2014 20150%

10%

20%

30%

40%

50%

60%

70%

80%

67%

24%

10%

Single Coverage Deductibles

Single Coverage Premiums

Workers' Earnings

NOTE: Average general annual deductible is among all covered workers. Workers in plans without a general annual deductible for in-network services are assigned a value of zero. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2015. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 2006-2014; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 2006-2015 (April to April).

Less Than $10,000

$10,000 -$11,999

$12,000-$13,999

$14,000-$15,999

$16,000-$17,999

$18,000-$19,999

$20,000-$21,999

$22,000-$23,999

$24,000 or More

0%

10%

20%

30%

40%

50%

4%6%

12%

16%19% 18%

12%

7% 8%

SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015.

Distribution of Annual Premiums for Covered Workers with Family Coverage, 2015

Average: $17,545

Percentage of Covered Workers:

SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2015.

Among Firms Offering Health Benefits, Percentage of Firms That Have Taken Various Actions in Anticipation of the Excise Tax on High-Cost Plans, by Firm Size, 2015

Conducted an analysis to determine if plans

will exceed limits

Made changes to plan’s coverage or cost shar-ing to avoid exceeding

limits

Switched to a lower cost plan

Other None of these0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

17%

7% 8%2%

71%

53%

13%8% 6%

38%

All Small Firms (3 to 199 More Workers) All Large Firms (200 or More Workers)