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Building On Coverage That Works: Recent Trends In Employer-Provided Coverage

posted by AHIP

on March 19, 2019

Hardworking Americans deserve to have access to high-value health care at a price that doesn’t break the bank. Today, more than 180 million Americans currently receive health coverage through a partnership between health insurance providers and employers, and this system is working, with nearly three-quarters of Americans reporting that they are satisfied with their current health care coverage.

We know there’s more to be done to ensure employer-provided coverage works for every worker. We’re committed to building on the health care system for employees and their families—and partnering with policymakers and the public to fix what’s broken.

Encouragingly, data from a recent Kaiser Family Foundation survey demonstrates three trends in the employer market that show how employer-provided coverage is already working to increase access to quality, affordable health coverage for Americans across the country.

Investing in Employee Health

Recent data confirms that employers continue investing in employees’ health. The average company subsidizes 70-80% of employees’ health coverage costs, and employer contributions continue to rise. From 2013 to 2018 the average employer premium contribution rose from $11,786 to $14,069.

Leveraging Innovation

Employers are also leveraging innovation and new technologies to deliver cost savings and health quality improvements to individuals with employer-provided coverage. The share of large employer plans that are covering telemedicine has risen from 27% in 2015 to nearly 75% in 2018. Employees are increasingly taking advantage of this opportunity, with the number of telemedicine visits increasing by 46% from 2015 to 2016.

Empowering Health and Wellness

Employers’ ongoing commitment to empowering employees to improve their health and well-being has resulted in the increasing popularity of wearable fitness tracking technology, as well as a rise in the number of health coverage options that include wellness programs. In 2018, 70% of larger employer plans provided employees an opportunity to complete health risk assessments.

We’ll keep working towards a goal of quality, affordable coverage for all Americans. But in the meantime, it’s encouraging to see how employer-provided coverage is making quality health coverage more accessible for millions of Americans every day.