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2016 Kaiser Health Benefits Summary


 

 

 

 

 

 

Each year, the Kaiser Family Foundation and the Health Research & Educational Trust (HRET) conduct a survey to examine employer-sponsored health benefit trends. Here are the main points of the 2016 survey:

 

·         Average premiums have risen nearly 60 percent for single coverage since 2006.

 

·         Preferred provider organizations (PPOs) were the most common plan type, followed by high deductible health plans (HDHPs) with a savings option—covering 48 and 29 percent of workers, respectively.

 

·         The average deductible amount for single coverage was over $150 higher than last year—jumping to $1,478 from $1,318.

 

·         The average in-network copayments were $24 for primary care and $38 for specialty care; in-network coinsurance amounts were 18 percent and 19 percent, respectively.

 

·         Small and large firms both offer wellness programs, with 46 percent of small firms and 83 percent of large firms offering at least one.

·         Eighty-two percent of workers in large firms and 13 percent in small firms are covered under some sort of self-funded (partially or fully) plan.

·         Of the large firms offering health benefits, 39 percent cover some health care services through telecommunication.

 

·         Of the firms polled, 56 percent offer health benefits to some workers, which is similar to recent years.

·         Of the firms offering health coverage with 50 or more employees, 2 percent offer health benefits through a private exchange.

 

 

 

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BCH has a unique approach to advising our clients on how to control their Total Cost of Risk, not simply insurance cost. The Total Cost of Risk (TCOR) includes preventive, direct and indirect costs associated with operating a business. The BCH approach includes collaborating with our clients to create a long range written plan for controlling their TCOR .