2013 CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Households with Savings Accounts

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Change in Consumers with Subprime Credit

Change in Average Credit Card Debt

Businesses & Jobs

Housing & Homeownership

Health Care

Education

CFED Assets & Opportunity Scorecard

Employee Share of Premium

Reports & Graphics

Definition

Percentage of average employee contribution to family premiums for employer-based health insurance, 2011.

Description

The majority of Americans receive health care coverage through their employers. However, employees must still share the burden of paying for that coverage through health care premiums. This measure describes the portion of the cost of family health care premium that are paid for by employees. As the cost of providing health care rises, many employers (especially small employers) must shift a greater share of the premium costs to employees. In fact, research from the Kaiser Family Foundation found that between 1998 and 2008, the cost of health insurance premiums in employer-sponsored health insurance programs rose almost four times as much as wages, an increase of 119% compared to 34%, respectively. As the cost of premiums increase, more employees may find it harder to continue to pay for coverage.

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Employee Share of Premium

StatePercent of
Employee Contribution (%)
Rank
United States  26.4%   
Alabama  27.5%  28 
Alaska  26.4%  25 
Arizona  32.1%  49 
Arkansas  29.0%  34 
California  25.1%  16 
Colorado  31.3%  46 
Connecticut  23.4% 
Delaware  27.3%  27 
District of Columbia  26.1%  22 
Florida  31.0%  44 
Georgia  30.4%  40 
Hawaii  23.8%  11 
Idaho  30.2%  38 
Illinois  25.1%  16 
Indiana  22.1% 
Iowa  27.6%  29 
Kansas  24.4%  13 
Kentucky  23.4% 
Louisiana  32.5%  50 
Maine  29.1%  36 
Maryland  28.5%  30 
Massachusetts  25.6%  18 
Michigan  24.0%  12 
Minnesota  26.2%  24 
Mississippi  34.6%  51 
Missouri  29.2%  37 
Montana  25.6%  18 
Nebraska  28.7%  32 
Nevada  30.9%  43 
New Hampshire  24.9%  15 
New Jersey  21.9% 
New Mexico  30.8%  42 
New York  23.1% 
North Carolina  32.0%  47 
North Dakota  28.7%  32 
Ohio  23.0% 
Oklahoma  32.0%  47 
Oregon  25.8%  20 
Pennsylvania  24.6%  14 
Rhode Island  22.9% 
South Carolina  31.1%  45 
South Dakota  28.5%  30 
Tennessee  30.2%  38 
Texas  29.0%  34 
Utah  26.4%  25 
Vermont  26.1%  22 
Virginia  30.6%  41 
Washington  23.7%  10 
West Virginia  21.0% 
Wisconsin  21.3% 
Wyoming  25.9%  21 

Source

Medical Expenditure Panel Survey (MEPS) - Insurance Component, Tables II.D.1, II.D.2, II.D.3. Rockville, MD: Agency for Healthcare Research and Quality, Center for Financing, Access, and Cost Trends, 2011. Data provided by the Kaiser Family Foundation, statehealthfacts.org.

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