Transcript Exhibits*State Trends in the Cost of Employer Health Insurance

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Alabama
Arkansas
Idaho
Mississippi
Hawaii
Iowa
Nebraska
Nevada
Georgia
Minnesota
North Dakota
North Carolina
Oklahoma
Montana
Missouri
Arizona
New Mexico
Tennessee
Michigan
Utah
Kentucky
South Carolina
Louisiana
Kansas
Washington
Indiana
South Dakota
Maryland
Oregon
Virginia
Ohio
Pennsylvania
Texas
Florida
Rhode Island
Delaware
Vermont
Maine
Colorado
Wisconsin
California
Connecticut
Illinois
New Hampshire
West Virginia
Wyoming
District of Columbia
New Jersey
Massachusetts
New York
Alaska
Exhibit 1. Premiums for Family Coverage, by State, 2013
Dollars
$25,000
$20,000
U.S. average = $16,029
$15,000
$10,000
$5,000
Source: 2013 Medical Expenditure Panel Survey–Insurance Component.
Exhibit 2. Growth in Health Insurance Premiums for Employer-Sponsored
Single-Person Plans, by State, 2003–2010 and 2010–2013
31 states and the District of Columbia experienced slower growth in premiums
from 2010 to 2013 than they experienced from 2003 to 2010
2003–2010
2003
2013
2010–2013
WA
WA
MT
VT NH ME
ND
MN
OR
ID
SD
MI
WY
CA
UT
IL
CO
AZ
PA
IA
NE
NV
KS
OK
NM
NY
WI
MO
IN
KY
WV VA
RI
CT
NJ
DE
MD
DC
VT NH ME
ND
MN
OR
ID
SD
NV
MI
IL
CO
CA
KS
AR
AZ
SC
PA
IA
NE
UT
NY
WI
WY
MO
NC
TN
MS AL
TX
OH
MA
MT
OK
NM
OH
IN
KY
SC
AR
MS AL
TX
FL
NC
TN
GA
LA
WV VA
GA
LA
FL
HI
HI
AK
AK
Average annual growth rate
<4.0%
4.0%–4.9%
5.0%–5.9%
Notes: Growth rates are calculated as average annual compound growth rate.
Source: 2003, 2010, 2013 Medical Expenditure Panel Survey–Insurance Component.
6.0% or more
MA
RI
CT
NJ
DE
MD
DC
Exhibit 3. Employer Premiums as Percentage of Median Household
Income for Under-65 Population, 2003 and 2013
82 percent of under-65 population live where premiums
are 20 percent or more of income
2003
2003
2013
2013
WA
WA
MT
VT NH ME
ND
MN
OR
ID
WI
SD
CA
UT
CO
AZ
NY
MI
PA
IL
KS
OK
NM
MO
OH
IN
KY
WV VA
CT
NJ
DE
MD
DC
WI
SD
WY
CA
UT
CO
AR
AZ
SC
PA
IL
KS
OK
NM
MO
OH
IN
KY
CT
NJ
DE
MD
DC
NC
AR
SC
MS AL
TX
WV VA
TN
GA
LA
RI
IA
NE
NV
MA
NY
MI
NC
TN
MS AL
TX
MN
ID
MA
RI
IA
NE
VT NH ME
ND
OR
WY
NV
MT
GA
LA
FL
FL
HI
HI
AK
AK
Less than 14%
14%–16.9%
17%–19.9%
20%–24.9%
25% or more
Sources: 2003 and 2013 Medical Expenditure Panel Survey–Insurance Component (for total average premiums for employer-based
health insurance plans, weighted by single and family household distribution); 2003–04 and 2013–14 Current Population Surveys
(for median household incomes for under-65 population).
Exhibit 4. Employee Average Annual Contribution for Single Coverage
Employee contribution nearly doubled in the past decade,
increasing 93 percent from 2003 to 2013
Dollars per year for single coverage paid by employees
$2,000
Lowest five states average
U.S. average
Highest five states average
$1,480
$1,500
$1,170
$1,000
$821
$751
$606
$500
$396
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2003
2013
Source: Medical Expenditure Panel Survey–Insurance Component (employee premium share for 2003 and 2013).
Exhibit 5. Private Health Insurance Deductibles:
State Averages by Firm Size and Household Type, 2003–2013
Percent with deductible, all firms
State range
2003
2013
52%
81%
16%–87%
36%–98%
$518
$1,273
$356–$824
$670–$1,784
$703
$1,695
$258–$1,323
$657–$2,755
$452
$1,169
$303–$743
$673–$1,595
Percent
change
Average, all firms
Single-person plan
State range
146%
Average, small firms
Single-person plan
State range
141%
Average, large firms
Single-person plan
State range
Note: Small firms = firms with fewer than 50 employees; large firms = firms with 50 or more employees.
Source: Medical Expenditure Panel Survey–Insurance Component, 2003 and 2013.
159%
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Alabama
Hawaii
District of Columbia
Arkansas
North Dakota
Delaware
Maryland
Mississippi
Pennsylvania
New York
Nevada
Michigan
New Mexico
Washington
Massachusetts
Louisiana
West Virginia
Alaska
Rhode Island
Georgia
Virginia
Wyoming
California
Utah
Nebraska
Oklahoma
Indiana
Ohio
Idaho
Oregon
Illinois
New Jersey
South Carolina
Wisconsin
Florida
North Carolina
Missouri
Kansas
Colorado
Minnesota
Iowa
Arizona
Tennessee
Kentucky
Texas
Connecticut
South Dakota
New Hampshire
Montana
Vermont
Maine
Exhibit 6. Single-Person Deductibles, by State, 2013
Average deductibles are $1,000 or more in 47 states
Dollars
$2,000
$1,500
$1,000
$500
Source: 2013 Medical Expenditure Panel Survey–Insurance Component.
Exhibit 7. Employee and Family Out-of-Pocket Costs Up
Compared with Incomes, Leaving Less for Other Needs
Average employee share of premium plus average deductible
as percent of median state incomes
Lowest state
15.0%
U.S. average
Highest state
12.4%
12.1%
9.6%
10.0%
8.4%
8.0%
5.3%
6.0%
5.7%
5.0%
3.6%
0.0%
2003
2010
2013
Source: Authors’ analysis of Medical Expenditure Panel Survey–Insurance Component compared with Median Income Census.
Exhibit 8. Medicare and Private Health Insurance:
Percent Change in Spending per Enrollee, 2008–2013
Annual percent change
9.0
Private health insurance
Medicare
7.6
8.0
7.0
6.0
5.8
5.4
5.0
4.5
4.0
4.0
4.0
3.8
3.0
2.1
2.0
2.1
1.3
1.0
0.2
0.0
-1.0
-0.1
2008
2009
2010
2011
2012
2013
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group; and U.S. Department
of Commerce, Bureau of Economic Analysis and National Bureau of Economic Research, Table 21, updated Dec. 2014,
http://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/NationalHealthExpendData/Downloads/Tables.zip.