The increased cost of health insurance is a central fact in any discussion of health policy and health delivery.
In 2018 the average annual premium for employer-based family coverage rose 5% to $19,616 for single coverage, premiums rose 3% to $6,896. Covered workers contributed 18% of the cost for single coverage and 29% of the cost for family coverage, on average, with considerable variation across firms.
By comparison, annual premiums for 2017 reached $18,764, up 3 percent from 2015 for an average family coverage with workers on average paying $5,714 towards the cost of their coverage, according to the Kaiser Employer Survey, October 2018 and 2017, applying to employer-based insurance.
For those Americans who are fully covered, these cost realities affect employers, both large and small, plus the “pocket-book impact” on ordinary families. For those buying insurance on an exchange or private market plan for