Gary Claxton is the senior vice president and director of the Program on the Health Care Marketplace, Kaiser Family Foundation, in Washington, D.C.
Anthony Damico is an independent consultant for the Kaiser Family Foundation.
Health Aff (Millwood). 2020 Nov;39(11):2018-2028. doi: 10.1377/hlthaff.2020.01569. Epub 2020 Oct 8.
The annual Kaiser Family Foundation Employer Health Benefits Survey is the benchmark survey of the cost and coverage of employer-sponsored health benefits in the United States. The 2020 survey was designed and largely fielded before the full extent of the coronavirus disease 2019 (COVID-19) pandemic had been felt by employers. Data collection took place from mid-January through July, with half of the interviews being completed in the first three months of the year. Most of the key metrics that we measure-including premiums and cost sharing-reflect employers' decisions made before the full impacts of the pandemic were felt. We found that in 2020 the average annual premium for single coverage rose 4 percent, to $7,470, and the average annual premium for family coverage also rose 4 percent, to $21,342. Covered workers, on average, contributed 17 percent of the cost for single coverage and 27 percent of the cost for family coverage. Fifty-six percent of firms offered health benefits to at least some of their workers, and 64 percent of workers were covered at their own firm. Many large employers reported having "very broad" provider networks, but many recognized that their largest plan had a narrower network for mental health providers.
《凯泽家庭基金会雇主健康福利调查》是美国雇主提供的健康福利成本和覆盖范围的基准调查。2020 年的调查是在雇主充分感受到 2019 年冠状病毒病（COVID-19）大流行之前设计并主要进行的。数据收集工作从 1 月中旬持续到 7 月，其中一半的采访是在今年前三个月完成的。我们衡量的大多数关键指标，包括保费和费用分担，都反映了雇主在充分感受到疫情全面影响之前做出的决定。我们发现，2020 年，单身参保人的平均年度保费增长了 4%，达到 7470 美元；家庭参保人的平均年度保费也增长了 4%，达到 21342 美元。参保工人平均承担了单身保险费用的 17%，家庭保险费用的 27%。56%的公司为至少部分员工提供健康福利，64%的员工在自己的公司参保。许多大雇主报告说拥有“非常广泛”的供应商网络，但许多人认识到他们最大的计划在心理健康供应商方面的网络较窄。
