5 key trends on employer health plan coverage in 2016

Practice Management

Here are five things to know about employer health plans based on the Kaiser Family Foundation's 2016 Employer Health Benefits Survey.

1. Percentage of firms offering health benefits with only one type of health plan: 83 percent; 53 percent of large firms and 16 percent of small firms


2. Covered workers in firms that offer one or more plans report:


• HDHP/SO: 56 percent
• HMO: 33 percent
• POS: 13 percent
• Conventional plans: 2 percent


The firms with just one plan are most likely to offer a PPO plan.


3. Covered workers enrolled in each type of plan:


• PPO: 48 percent
• HDHP/SOs: 29 percent
• HMOs: 15 percent
• POS: 9 percent
• Conventional plan: less than 1 percent


4. The least likely people to be enrolled in an HMO plan are:


• Agriculture/mining/construction: 5 percent
• Manufacturing: 8 percent
• Finance: 8 percent


The most likely workers to be enrolled in an HMO were people in the service industry, at 20 percent.


5. Workers contributed on average $94 per month for single plans and $440 per month for family coverage. The average covered worker contributed 18 percent of the premium for single coverage and 30 percent of the premium for family coverage.


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