CFED Scorecard

CFED Assets & Opportunity Scorecard

Health Care
Employee Share of Premium
Definition

Percentage of the average employee contribution to family premiums for employer-based health insurance, 2014.

Description

Although the Affordable Care Act expands health care coverage to individuals without employer-provided insurance, the majority of Americans still 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 1999 and 2015, the cost of health insurance premiums in employer-sponsored health insurance programs rose almost four times as much as wages, an increase of 203% compared to 56%, respectively. As the cost of premiums increase, more employees may find it harder to continue to pay for coverage.

 

 

The average employee contribution to family health insurance premiums in United States is 27.1%

Employee Share of Premium, 2014

StatePercent of
Employee Contribution (%)
Rank
United States 27.1%
Alabama 29.8% 42
Alaska 21.5% 1
Arizona 30.5% 45
Arkansas 25.5% 16
California 28.4% 35
Colorado 28.3% 33
Connecticut 22.2% 5
Delaware 24.0% 9
District of Columbia 25.4% 15
Florida 32.8% 50
Georgia 27.4% 30
Hawaii 21.7% 2
Idaho 30.2% 43
Illinois 27.6% 31
Indiana 26.0% 22
Iowa 26.6% 26
Kansas 26.3% 25
Kentucky 25.5% 16
Louisiana 31.7% 48
Maine 24.8% 12
Maryland 30.3% 44
Massachusetts 27.3% 29
Michigan 24.7% 11
Minnesota 25.5% 16
Mississippi 31.0% 46
Missouri 25.0% 13
Montana 28.5% 36
Nebraska 27.2% 28
Nevada 26.1% 23
New Hampshire 27.0% 27
New Jersey 22.5% 7
New Mexico 28.9% 39
New York 23.9% 8
North Carolina 28.7% 38
North Dakota 25.8% 20
Ohio 22.4% 6
Oklahoma 28.3% 33
Oregon 27.9% 32
Pennsylvania 22.0% 3
Rhode Island 28.5% 36
South Carolina 25.6% 19
South Dakota 28.9% 39
Tennessee 32.8% 50
Texas 31.5% 47
Utah 29.1% 41
Vermont 25.3% 14
Virginia 31.9% 49
Washington 25.8% 20
West Virginia 24.2% 10
Wisconsin 22.0% 3
Wyoming 26.2% 24

Change in Employee Share of Premium

Percent of Employee Contribution to Premium (%)
State20102011201220132014
United States 27.0% 26.4% 27.4% 27.6% 27.1%
Alabama 30.3% 27.5% 32.9% 28.1% 29.8%
Alaska 21.6% 26.4% 22.4% 23.0% 21.5%
Arizona 29.8% 32.1% 30.2% 31.4% 30.5%
Arkansas 33.6% 29.0% 29.7% 29.2% 25.5%
California 27.8% 25.1% 26.4% 27.1% 28.4%
Colorado 27.0% 31.3% 26.9% 26.0% 28.3%
Connecticut 25.7% 23.4% 24.3% 32.7% 22.2%
Delaware 29.1% 27.3% 26.0% 30.8% 24.0%
District of Columbia 25.1% 26.1% 25.9% 29.9% 25.4%
Florida 31.2% 31.0% 35.5% 35.2% 32.8%
Georgia 28.2% 30.4% 30.5% 30.0% 27.4%
Hawaii 26.2% 23.8% 24.5% 21.8% 21.7%
Idaho 32.5% 30.2% 30.9% 25.6% 30.2%
Illinois 26.7% 25.1% 24.1% 26.5% 27.6%
Indiana 24.9% 22.1% 22.9% 27.3% 26.0%
Iowa 28.6% 27.6% 27.5% 28.1% 26.6%
Kansas 24.2% 24.4% 32.2% 26.6% 26.3%
Kentucky 22.9% 23.4% 24.1% 25.2% 25.5%
Louisiana 29.9% 32.5% 30.4% 29.6% 31.7%
Maine 30.6% 29.1% 28.2% 29.2% 24.8%
Maryland 26.7% 28.5% 28.1% 28.5% 30.3%
Massachusetts 23.6% 25.6% 26.5% 26.2% 27.3%
Michigan 21.9% 24.0% 24.4% 26.0% 24.7%
Minnesota 23.3% 26.2% 27.4% 28.4% 25.5%
Mississippi 29.9% 34.6% 33.2% 31.1% 31.0%
Missouri 25.7% 29.2% 29.4% 29.4% 25.0%
Montana 24.3% 25.6% 25.7% 23.1% 28.5%
Nebraska 28.0% 28.7% 24.7% 30.6% 27.2%
Nevada 27.0% 30.9% 28.3% 31.0% 26.1%
New Hampshire 25.3% 24.9% 27.6% 27.0% 27.0%
New Jersey 28.5% 21.9% 24.8% 25.8% 22.5%
New Mexico 28.1% 30.8% 27.7% 26.4% 28.9%
New York 24.6% 23.1% 25.3% 24.1% 23.9%
North Carolina 25.6% 32.0% 29.0% 31.2% 28.7%
North Dakota 27.8% 28.7% 26.4% 25.6% 25.8%
Ohio 25.1% 23.0% 25.1% 22.8% 22.4%
Oklahoma 28.8% 32.0% 30.1% 33.2% 28.3%
Oregon 28.3% 25.8% 24.8% 27.3% 27.9%
Pennsylvania 22.2% 24.6% 23.4% 25.1% 22.0%
Rhode Island 22.3% 22.9% 30.3% 26.4% 28.5%
South Carolina 27.5% 31.1% 29.8% 28.9% 25.6%
South Dakota 30.2% 28.5% 30.4% 31.1% 28.9%
Tennessee 27.2% 30.2% 29.0% 28.7% 32.8%
Texas 31.0% 29.0% 31.0% 30.5% 31.5%
Utah 28.1% 26.4% 28.8% 23.5% 29.1%
Vermont 22.1% 26.1% 27.2% 26.6% 25.3%
Virginia 32.2% 30.6% 32.1% 30.7% 31.9%
Washington 26.0% 23.7% 27.8% 25.0% 25.8%
West Virginia 22.1% 21.0% 25.7% 17.1% 24.2%
Wisconsin 23.1% 21.3% 24.2% 23.4% 22.0%
Wyoming 22.9% 25.9% 25.2% 22.3% 26.2%

Definition

Percentage of the average employee contribution to family premiums for employer-based health insurance, 2014.

Source

Medical Expenditure Panel Survey (MEPS) - Insurance Component, Table II.D.3. Rockville, MD: Agency for Healthcare Research and Quality, Center for Financing, Access, and Cost Trends, 2014.

Copyright © 2016 CFED — Corporation for Enterprise Development 1200 G Street, NW Suite 400 Washington, DC 20005 202.408.9788