Health Affairs

Health Affairs, 28, no. 6 (2009): w1002-w1012 (Published online 15 September 2009) doi: 10.1377/hlthaff.28.6.w1002 © 2009 by Project HOPE	New Online   Getting Health Reform Done   After the State of the Union   Incremental Reform   E-Health in Developing World   Most-Read Articles in 2009

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Job-Based Health Insurance: Costs Climb At A Moderate Pace

Gary Claxton, Bianca DiJulio, Heidi Whitmore, Jeremy Pickreign, Megan McHugh, Benjamin Finder and Awo Osei-Anto

Each year the Kaiser/HRET Survey of Employer Health Benefits takes a snapshot of the state of employee benefits in the United States, based on interviews with public and private employers. Our findings for 2009 show that families continue to face higher premiums, up about 5 percent from last year, and that cost sharing in the form of deductibles and copayments for office visits is greater as well. Average annual premiums in 2009 were $4,824 for single coverage and $13,375 for family coverage. Enrollment in high-deductible health plans held steady. We offer new insights about health risk assessments and how firms responded to the economic downturn.

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