More workers are opting to enroll in health insurance when their employers offer it to them (Figure 1).
In 2014, 77 percent of eligible workers chose to enroll in coverage when they were offered it (known as coverage “take-up”), which is a statistically significant increase from 75 percent in 2013. This increase is a change from the decline in take-up that had occurred for more than a decade.
Fewer workers are eligible for coverage when working for employers that offer insurance (Figure 1).
In 2014, 75 percent of workers were eligible for coverage, compared to 78% in 2013. This also is a change from trends in the previous two years, which were statistically stable.
Increases in employer-based insurance premiums were relatively moderate (Figure 2).
Premiums for family coverage increased approximately 4 percent annually between 2013-2014 and 2012-2013, and 3.0 percent from 2011 to 2012. Total average family premiums were $16,655 in 2014, compared to $16,029 in 2013.
Premiums for single coverage increased 5.7 percent, from a $5,517 average in 2013 to $5,832 in 2014. This jump was higher than the 2.5 percent increase seen from 2012 to 2013 and the 3.1 percent increase seen from 2011 to 2012.
The average share of premiums paid by employees has remained relatively stable (21% for single coverage and 28% for family coverage in 2014).
The percent of workers who are employed by establishments that offer coverage fell more steeply than in prior years (Figure 3).
The share of workers employed by establishments offering coverage dropped from 85 percent in 2013 to 83 percent in 2014. This continues a trend of decreases in percent of workers whose employers offer coverage, but this two percentage-point decrease between 2013 and 2014 is somewhat larger than decreases seen during the previous five years.
Workers in small firms (less than 50 employees) experienced a larger decrease, with a decline of three percentage points, than those in large firms (50 or more employees), who experienced a one percentage-point decline.
The State Health Access Data Assistance Center (SHADAC) is a program of the Robert Wood Johnson Foundation and a part of the Health Policy and Management Division of the School of Public Health at the University of Minnesota.