2013 Employer Health Benefits Survey

Hot off the presses, the 2013 Kaiser Employer Health Benefits Survey is out.  As always, this report is filled with great information about the state of the Employer Benefits marketplace.

This is a particularly meaningful year for this survey as we enter into the meat of the changes coming from Health Reform.  With this as a benchmark, we can keep tabs on the impact of the changes coming and see how employers will respond.  Here are a few questions that come to mind:

  • Will small employers continue to exit the group insurance market?  In 2010, 68% of firms with fewer than 100 employees offered coverage.  In 2013, that has already dropped to 57% (with employers of under 10 employees dropping to 45%).
  • What will happen to the price of health insurance from here?  From 1999 to 2013, the price of health insurance for a family has more than 300% with average annual premium of over $16,000.  It is now more expensive for an average family to buy health insurance than buy a house.
  • How will the way employers share premium with employees change?  With 9.5% the new Federal definition of affordability, will that become the norm?  How “affordable” is 9.5% of income?
  • What will be the long term impact to cost, access to care, quality of care, etc.

Let’s hope we get some good news soon!

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