Health Care Marketplace Project, Kaiser Family Foundation, Washington, DC, USA.
Health Aff (Millwood). 2010 Oct;29(10):1942-50. doi: 10.1377/hlthaff.2010.0725. Epub 2010 Sep 2.
Our annual analysis of health benefits contains findings from interviews of 2,046 public and private employers surveyed during January-May 2010. Average annual premiums in 2010 were $5,049 for single coverage and $13,770 for family coverage--up 5 percent and 3 percent from 2009, respectively. Workers paid more toward premiums in 2010, and more workers are in consumer-directed plans and plans with high deductibles than in 2009. Thirty percent of firms reported that they reduced the scope of benefits or increased cost sharing because of the recession. Surprisingly, the percentage of firms offering health benefits in 2010 increased to 69 percent, up from 60 percent in 2009. The change was largely driven by a thirteen-percentage-point increase in the number of firms with three to nine workers that offered benefits (up from 46 percent in 2009 to 59 percent in 2010). The reason for this increase is unclear.
我们对健康福利的年度分析包含了对 2010 年 1 月至 5 月期间接受调查的 2046 家公共和私营雇主进行访谈的结果。2010 年，单身员工的平均年保费为 5049 美元，家庭员工的平均年保费为 13770 美元，分别比 2009 年增长了 5%和 3%。2010 年，员工支付的保费更多，更多的员工选择消费者导向型计划和高免赔额计划，而不是 2009 年。30%的公司报告称，由于经济衰退，他们减少了福利范围或增加了成本分担。令人惊讶的是，2010 年提供健康福利的公司比例从 2009 年的 60%上升到了 69%。这一变化主要是由于提供福利的员工人数在 3 到 9 人的公司数量增加了 13 个百分点（从 2009 年的 46%上升到 2010 年的 59%）。造成这种增长的原因尚不清楚。
