Volume 11 Issue 231
Published - 14:00 UTC 08:00 EST 4-Sep-2009 
Next Update - 14:00 UC 08:00 EST 5-Sep-2009

Editor: Susan K. Boyer, RN
© Vidyya.
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Insurance premiums for some family health plans cost $20,000 or more

(4 September 2009: VIDYYA MEDICAL NEWS SERVICE) -- One in 10 enrolled workers in Alaska, Indiana and Minnesota were in health insurance plans costing $20,000 or more – at least $7,000 more than the national average – for employer-based health insurance premiums that covered their families in 2008, according to the latest numbers from the Agency for Healthcare Research and Quality.

The federal agency’s analysis of annual employer-based health insurance premiums also found that, for the nation as a whole, 10 percent of enrolled workers – about 2 million – had a family plan that cost $17,000 or more. The average annual premium for family plans in 2008 was $12,298.

In addition, AHRQ’s analysis of employer-based health insurance premiums in 2008 for private industry found that:

• The portion of family plan premiums paid by the employee for one in 10 workers nationwide was $6,700 or more, compared with the national average of $3,394. • However, 10 percent of workers in Arizona, Colorado, New Mexico and Washington spent at least $8,100 to get family coverage. • Some 3.1 million workers nationwide with single-coverage were in plans with annual premiums totaling $6,200 or more, or at least 41 percent higher than the national average of $4,386. • For workers who were enrolled in single-coverage plans, one in 10 paid at least $1,900 – more than double the national average of $882.

Health insurance premiums vary within and between the states; the survey provides estimates of the range of premium costs within each state and across the nation, in addition to average premiums.

AHRQ, which is part of the U.S. Department of Health and Human Services, works to enhance the quality, safety, efficiency, and effectiveness of health care in the United States. The data in this AHRQ News and Numbers summary are taken from the Insurance Component of the Medical Expenditure Panel Survey (http://meps.ahrq.gov/mepsweb/survey_comp/Insurance.jsp), a source of detailed information on employer-sponsored health insurance coverage and costs at the national, State, and metropolitan area levels. For MEPS summary data on employer-based health insurance premiums, go to http://www.meps.ahrq.gov/mepsweb/-data_stats/summ_tables/insr/state/series_10/2008/ic08_xc_e.pdf

Return to Vidyya Medical News Service for 4 September 2009

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Information appearing on the Vidyya Medical News Service is not intended as a substitute for professional medical care. Seek professional medical help and follow your health care provider's advice.

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