http://meps.ahrq.gov/mepsweb/survey_comp/MEPSICChartbook.pdf
New Data Resource on Employer-Sponsored Insurance Shows No Significant Change in Premium Growth Rates in 2014
Premiums for employer-sponsored insurance in 2014 grew an average of 3.9 percent for family policies and 4.7 percent for single and employee-plus-one policies, according to a new chartbook based on data from AHRQ’s Medical Expenditure Panel Survey-Insurance Component (MEPS-IC). These annual growth rates were not statistically different from the 2012 to 2013 increases (3.5 percent for single coverage, 3.5 percent for employee-plus-one coverage and 3.6 percent for family coverage). The MEPS-Insurance Component 2014 Chartbook describes trends in employer coverage, premiums and benefits from 2003 to 2014. The chartbook presents easily accessible graphs and maps to facilitate comparison of long term trends and to visualize state data previously released only in tables. The chartbook is based on data from private-sector employers in the MEPS-Insurance Component, an annual survey of private employers and state and local governments that is designed to be representative of all 50 States and the District of Columbia. While other sources have also provided estimates for 2014, AHRQ's large sample allows for state-level estimates and estimates by firm sizes affected by distinct Affordable Care Act provisions. AHRQ Director Rick Kronick, Ph.D., has published a blog providing more detail about the chartbook.
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Blog Posts from Richard Kronick, Ph.D., and AHRQ leaders
Aug122015
AHRQ Data Show Regional Variations in Employer Health Insurance
By Richard Kronick, Ph.D.
Leading up to 2014, many questioned how employer-sponsored insurance would change in response to the Affordable Care Act. Recently released data from the Agency for Healthcare Research and Quality (AHRQ) show that many changes in employer-sponsored insurance from 2013 to 2014 are in line with changes from prior years, with a small decline in offers of coverage, consistent with prior years; a small increase in premiums, lower than historical increases; rates of self-insurance largely unchanged; and increases in deductibles consistent with prior trends.
AHRQ recently released a chartbook, national tables and brief, and State tables on the cost and availability of employer-sponsored insurance during the first year that major provisions of the Affordable Care Act took effect. AHRQ's data come from the Insurance Component of our Medical Expenditure Panel Survey (MEPS), a group of large-scale surveys of individuals and families, medical providers, and employers across the United States.
The MEPS Insurance Component provides detailed information on insurance coverage and premiums. While other sources (e.g., the Kaiser Family Foundation / Health Research & Educational Trust
) also provided estimates for 2014, AHRQ's large sample allows for State-level estimates and more precise estimates by firm sizes affected by Affordable Care Act provisions.
Differences across regions are another important story from the MEPS IC data. Nationwide, nearly half (49.8 percent) of employees of small firms (fewer than 50 workers) worked at establishments that offered insurance. Across States, the share of employees in small firms offered insurance ranged from about a third of small firm employees in South Carolina (33.2 percent) and New Mexico (34.3 percent) to more than two-thirds in Massachusetts (68.1 percent) and Hawaii (93.1 percent).
Among Census Divisions, New England and the Mid-Atlantic had the largest share of States with above average offer rates among small firms and the largest share of States with single premium costs above the national average. The South Atlantic and West South Central Census Divisions had the largest share of States with lower than average offer rates, while the East South Central and Mountain Census Divisions had the largest share of States with lower than average single premium levels.
Percentage of private-sector employees in establishments that offer health insurance by State, firm size <50 employees, 2014
The many changes in health care financing raise the stakes on monitoring and understanding changes in insurance coverage and premiums. That's why an established data resource such as the MEPS Insurance Component is so valuable. Providing this consistent, reliable source of data on how the law is performing will give us the insight we need to inform future policy decisions and help employers, too. For more information, please see the recently releasedchartbook, national tables and brief, and State tables.
Richard Kronick, Ph.D., is Director of the Agency for Healthcare Research and Quality.
AHRQ recently released a chartbook, national tables and brief, and State tables on the cost and availability of employer-sponsored insurance during the first year that major provisions of the Affordable Care Act took effect. AHRQ's data come from the Insurance Component of our Medical Expenditure Panel Survey (MEPS), a group of large-scale surveys of individuals and families, medical providers, and employers across the United States.
The MEPS Insurance Component provides detailed information on insurance coverage and premiums. While other sources (e.g., the Kaiser Family Foundation / Health Research & Educational Trust
) also provided estimates for 2014, AHRQ's large sample allows for State-level estimates and more precise estimates by firm sizes affected by Affordable Care Act provisions.Differences across regions are another important story from the MEPS IC data. Nationwide, nearly half (49.8 percent) of employees of small firms (fewer than 50 workers) worked at establishments that offered insurance. Across States, the share of employees in small firms offered insurance ranged from about a third of small firm employees in South Carolina (33.2 percent) and New Mexico (34.3 percent) to more than two-thirds in Massachusetts (68.1 percent) and Hawaii (93.1 percent).
Among Census Divisions, New England and the Mid-Atlantic had the largest share of States with above average offer rates among small firms and the largest share of States with single premium costs above the national average. The South Atlantic and West South Central Census Divisions had the largest share of States with lower than average offer rates, while the East South Central and Mountain Census Divisions had the largest share of States with lower than average single premium levels.
Percentage of private-sector employees in establishments that offer health insurance by State, firm size <50 employees, 2014
The many changes in health care financing raise the stakes on monitoring and understanding changes in insurance coverage and premiums. That's why an established data resource such as the MEPS Insurance Component is so valuable. Providing this consistent, reliable source of data on how the law is performing will give us the insight we need to inform future policy decisions and help employers, too. For more information, please see the recently releasedchartbook, national tables and brief, and State tables.
Richard Kronick, Ph.D., is Director of the Agency for Healthcare Research and Quality.
Page last reviewed August 2015
Internet Citation: AHRQ Data Show Regional Variations in Employer Health Insurance. August 2015. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/news/blog/ahrqviews/081215.html
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