section 3: employment-based health insurance
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Employment-Based Health Insurance
Chartbook Section 3
Section 3: Employment-Based Health Insurance
Background on the labor market Firm sizes Industry sector distributions Part-time employment
Availability of coverage Employer offer rates Eligibility Access, take-up, and coverage
Cost of coverage & cost sharing Total premium Employer/employee shares of premium Enrollees in plans with deductibles
A summary of the charts and graphs contained within is provided at Chartbook Summaries - Section 3. Direct links are listed on each page. Please contact the Health Economics Program at 651-201-3550 or health.hep@state.mn.us if additional assistance is needed for accessing this information.
BACKGROUND ON THE LABOR MARKET (SELECT YEARS)
4
Distribution of Minnesota Establishments and Employees by Firm
Size, 2014/2015
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Firms Employees0%
20%
40%
60%
80%
100%
60.4%
11.0%
10.5%
7.8%
5.8%
7.4%
6.5%
14.9%
16.9%
58.8%
Less than 10 10-24 25-50 51-200 201+
5
Percent of Minnesota Employees in each Industry Sector
*Indicates a statistically significant difference (95% level) from previous time period shown.Professional Services 2002/2003 figure does not meet MEPS survey standard of reliability or precision.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
2002/2003 2006/2008 2010/2011 2014/20150%
20%
40%
60%
80%
100%
5.0% 5.7% 4.7% 4.6%
14.4% 12.2% 15.1% 12.3%
40.3%32.9% 30.7% 32.3%
22.3%
24.7% 30.1% 27.7%
18.1%24.5%* 19.4% 23.0%
Agriculture/Fishing/Forestry Mining/Manufacturing Retail/Other Services Professional Services All Others
6
Percent of Minnesota Employees Working Part-Time
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Part-time is defined by survey respondent as not being full-time. Full-time definition is determined by respondent and no minimum number of hours is specified in the survey. Data presented are weighted averages of two years of data.Summary of Graph
2002/2003 2006/2008 2010/2011 2014/20150%
5%
10%
15%
20%
25%
30%
35%
40%
26.2% 25.8% 26.6% 27.9%
AVAILABILITY OF COVERAGE(SELECT YEARS)
8
Percent of Minnesota Establishments Offering Health Insurance Coverage
*Indicates a statistically significant difference (95% level) from previous time period shown.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
2002/2003 2006/2008 2010/2011 2014/20150%
20%
40%
60%
80%
100%
56.2%52.7%
47.3%*43.3%
9
Percent of Minnesota Employees Working for an Establishment That
Offers Health Insurance
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
2002/2003 2006/2008 2010/2011 2014/20150%
20%
40%
60%
80%
100%
88.6% 87.4%83.9% 82.6%
10
Percent of Minnesota Employers Offering Health Insurance, by Firm Size
*Indicates a statistically significant difference (95% level) from previous time period estimate.^Indicates a statistically significant difference (95% level) from average of all firms within time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Fewer th
an 10 Emplo...
10 to 24 Employee
s
25 to 50 Employe
es
51 to 200 Employee
s
201+ Employe
es
All Firm
s0%
20%
40%
60%
80%
100%
^ ^ ^ ^ ^^ ^ ^ ^ ^^ ^ ^* ^ *^ ^ ^ ^
^^
^
^
^
^ ^
^
^
^
^ ^
^ ^^*
^
*
^
^
11
Percent of Minnesota Employers that Offer Family Coverage by Firm Size
*Indicates a statistically significant difference (95% level) from previous time period estimate.^Indicates a statistically significant difference (95% level) from average of all firms within a time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Fewer
than 25 Employees
25-50 Employees
51-200 Employees
201+ Employee
s
All Firm
s0%
20%
40%
60%
80%
100%
^ ^ ^^ ^^ ^ ^^ ^ ^
Among Firms that Offer Coverage
*
^
^
^
^
^
^
^
^
^
^
^
12
Percent of Minnesota Employees in Establishments That Offer Health
Insurance, by Firm Size
*Indicates a statistically significant difference (95% level) from previous time period estimate.^Indicates a statistically significant difference (95% level) from average of all firms within time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Fewer t
han 10 Employee
s
10 to 24 Employee
s
25 to 50 Employe
es
51 to 200 Employee
s
201+ Employe
es
All Firm
s0%
20%
40%
60%
80%
100%
^ ^ ^ ^^ ^ ^ ^^ ^ ^^ ^ ^ ^
^
^
^^ ^
^
^
^
^
^
^
^^
^
^
13
Percent of Minnesota Employees Eligible for Health Insurance, by Firm
Size
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.^Indicates a statistically significant difference (95% level) from average of all firms within time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Fewer t
han 10 Em
ployees
10 to 24 Em
ployees
25 to 50 Em
ployees
51 to 200 Em
ployees
201+ Employee
s
All Firm
s0%
20%
40%
60%
80%
100%
^ *
Among Firms that Offer Health Insurance
^
*
14
Percent of Eligible Minnesota Employees Who Enroll in Coverage
(Take-up Rate), by Firm Size
Among those eligible for coverage from their employer.*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.^Indicates a statistically significant difference (95% level) from average of all firms within time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Fewer
than 10 Em
ployees
10 to 24 Em
ployees
25 to 50 Em
ployees
51 to 200 Em
ployees
201+ Employee
s
All Firm
s0%
20%
40%
60%
80%
100%
^ ^ *
Among Employees Eligible for Health Insurance Coverage
^ ^
*
15
Trends in Eligibility, Take-up and Coverage in Firms That Offer Health
Insurance
“Take-up” is the percent of eligible employees who enroll in health insurance. “Coverage” is the percent of all employees with an offer who enroll in health insurance.*Indicates a significant difference (95% level) from estimate of previous time period shown.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.Summary of Graph
Eligibility Take-up Coverage0%
20%
40%
60%
80%
100% Among Minnesota Employees in Establishments that Offer Coverage
* *
* *
16
Percent of Minnesota Employees Enrolled in Coverage by Industry
Sector
“Coverage” is the percentage of all employees with an offer who enroll in health insurance.*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.^Indicates a statistically significant difference (95% level) from average of all firms within time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. “Not reported“ indicates not enough data to provide results. Data presented are weighted averages of two years of data.Summary of Graph
Ag. / Fis
hing /
Forestr
y
Mining / Manufactu
ring
Retail / O
ther Servi
ces
Professional S
ervice
s
All Others
Total0%
20%
40%
60%
80%
100%
^ ^ ^ ^*Not
repo
rted
^ ^ ^^ ^ ^^ ^ ^
Not Reported
^^^
^
^ ^^
^^
^*^^
^
17
Percent of Minnesota Employees Enrolled in Coverage by Full-Time/Part-
Time Status
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.^Indicates a statistically significant difference (95% level) from average of all firms within time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Part-time is defined by survey respondent as not being full-time. Full-time definition is determined by respondent and no minimum number of hours is specified in the survey. Data presented are weighted averages of two years of data.Summary of Graph
Full-Time Part-Time All workers0%
20%
40%
60%
80%
100%
^ ^^ ^^ ^^ ^ *^
^^
^
^
^
^
^
*
COST OF COVERAGE & COST SHARING(SELECT YEARS)
19
Average Annual Health Insurance Premiums in Minnesota
*Indicates a significant difference (95% level) from estimates of previous time period shown.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.Summary of Graph
Series1 $-
$4,000
$8,000
$12,000
$16,000
$20,000
* ** ** *
Single Coverage Family Coverage
*
*
*
*
*
*
20
Average Annual Health Insurance Premiums in Minnesota for Single
Coverage, by Firm Size
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.^Indicates a statistically significant difference (95% level) from average of all firms within a time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.Summary of Graph
Fewer than 10 Employees
10-24 Employees 25-50 Employees 51-200 Employees 201+ Employees All Firms $-
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
* * * ** * *^ * *
^ *
^
**
^* *
*
**
**
*
21
Average Annual Health Insurance Premiums in Minnesota for Family
Coverage, by Firm Size
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.^Indicates a statistically significant difference (95% level) from average of all firms within a time period.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. “Not reported“ indicates not enough data to provide results. Data presented are weighted averages of two years of data.Summary of Graph
Fewer than 10 Employees
10-24 Employees 25-50 Employees 51-200 Employees 201+ Employees All Firms $0
$4,000
$8,000
$12,000
$16,000
$20,000
* ^ * * ** * ** *
Not Reported
Not
repo
rted
Not
repo
rted
^**
* *** *
**
Not
repo
rted
Not Reported Not Reported
22
Average Employer and Employee Shares of Premiums in Minnesota
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Results are not statistically significant at the 95% level from previous time period shown. Data presented are weighted averages of two years of data.Summary of Graph
2002/2003 2006/2008 2010/2011 2014/2015 2002/2003 2006/2008 2010/2011 2014/20150%
20%
40%
60%
80%
100%
18.3
%
20.2
%
20.3
%
22.2
%
23.8
%
25.6
%
24.8
%
27.8
%
81.7
%
79.8
%
79.7
%
77.8
%
76.2
%
74.4
%
75.2
%
72.2
%
Employee Share Employer Share
Single Coverage Family Coverage
23
Average Annual Employee and Employer Contribution to Premiums in
Minnesota
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one. Data presented are weighted averages of two years of data.Summary of Graph
2002/2003 2006/2008 2010/2011 2014/2015 2002/2003 2006/2008 2010/2011 2014/2015 $-
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$635 $851 * $1,054 * $1,276 * $2,268
$3,190 * $3,679 *
$4,627 *
$2,858 $3,360 *
$4,131 * $4,464 *
$7,234
$9,335 *
$11,089 * $12,016
Employee Share Employer Share
Single Coverage Family Coverage
24
Percent of Enrollees Whose Employer Pays 100 Percent of Premium Coverage
in Minnesota
Family figures for 2002/2003, 2006/2008, and 2010/2011 do not meet standard of reliability or precision.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.Summary of Graph
Single Coverage Family Coverage0%
5%
10%
15%
20%
25% 23.1%
10.3%
20.0%
9.6%
12.4%*
6.3%
13.8%
6.1%
2002/2003 2006/2008 2010/2011 2014/2015
25
Distribution of Minnesotans with Employer Coverage by Level of
Employer Contribution, 2014/2015
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.Summary of Graph
Less than 50% 50% to 69% 70% to 79% 80% to 89% 90% to 99% 100%0%
10%
20%
30%
40%
4.9%
20.9%
28.8%25.0%
6.6%
13.8%10.2%
26.7%
34.8%
16.7%
5.5% 6.1%
Single Family
Percent Contributed By Employer
26
Percent of Employees Enrolled in a Health Plan with a Deductible
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data not available for prior to 2003. Data presented are weighted averages of two years of data.Summary of Graph
Single Coverage Family Coverage0%
20%
40%
60%
80%
100%
75.6%69.3%
84.2%* 82.1%*
94.9%* 96.1%*
2006/2008 2010/2011 2014/2015
27
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data not reported prior to 2002. Data presented are weighted averages of two years of data.Summary of Graph
Average Deductible for Individuals with Employer Coverage
Single Coverage Family Coverage$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
$777
$1,484$1,222 *
$2,316 *
$1,625 *
$3,218 *
2006/2008 2010/2011 2014/2015
28Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Deductible data not reported prior to 2002. Data presented are weighted averages of two years of data.Summary of Graph
Cumulative Growth Rates of Premiums and Deductibles for Individual
Coverage
2002/2003 2004/2005 2006/2008 2010/2011 2012/2013 2014/20150%
50%
100%
150%
200%
250%
300%
Employee Premium Growth Employer Premium Growth Deductible Growth
29Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Deductible data not reported prior to 2002. Data presented are weighted averages of two years of data.Summary of Graph
Cumulative Growth Rates of Premiums and Deductibles for Family Coverage
2002/2003 2004/2005 2006/2008 2010/2011 2012/2013 2014/20150%
50%
100%
150%
200%
250%
Employee Premium Growth Employer Premium Growth Deductible Growth
Additional Information from the Health Economics Program Available Online
Health Economics Program Home Page www.health.state.mn.us/healtheconomics
Publicationshttps://apps.health.state.mn.us/hep-publications/home.xhtml
Health Care Market Statistics (Chartbook Updates) www.health.state.mn.us/divs/hpsc/hep/chartbook/index.html
Agency for Healthcare Research and Quality-Medical Expenditure Panel Survey Methodology http://meps.ahrq.gov/mepsweb/survey_comp/ic_technical_notes.shtml#estimation
A summary of the charts and graphs contained within is provided at Chartbook Summaries - Section 3. Direct links are listed on each page. Please contact the Health Economics Program at 651-201-3550 or health.hep@state.mn.us if additional assistance is needed for accessing this information. 30
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