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National Trends in the Cost of Employer Health Insurance Coverage, 2003–2013


Looking at trends in private employer-based health insurance from 2003 to 2013, this issue brief finds that premiums for family coverage increased 73 percent over the past decade—faster than median family income. Employees’ contributions to their premiums climbed by 93 percent over that time frame. At the same time, deductibles more than doubled in both large and small firms. Workers are thus paying more but getting less protective benefits. However, the study also finds that while premiums continued to rise through 2013, the rate of growth slowed between 2010 and 2013, following implementation of the Affordable Care Act. While families experienced slower growth in premium contributions and deductibles over this period, sluggish growth in median family income means families are paying more in premiums and deductibles as a share of their income than ever before.

Read the brief.

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Publication Details

Publication Date: December 9, 2014
Contact: Sara R. Collins, Vice President, Health Care Coverage and Access, The Commonwealth Fund
Citation: S. R. Collins, D.C. Radley, C. Schoen, and S. Beutel, National Trends in the Cost of Employer Health Insurance Coverage, 2003–2013, The Commonwealth Fund, December 2014.


Sara Collins
Vice President, Health Care Coverage and Access
David Radley
Senior Scientist, Tracking Health System Performance
Senior Scholar in Residence