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Principles of Risk Management and Insurance, 13th Edition by Michael McNamara, George E. Rejda

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Recent Developments in Employer-Sponsored Health Plans

Most of the recent developments in employer-sponsored health plans focus on holding down rising costs to employers. The Kaiser Family Foundation conducts an annual survey of employer-sponsored group health plans. The 2014 report included the following:8

  • Continued escalation in health insurance premiums. Group health insurance premiums continue to rise. In 2014, average annual premiums for employer-sponsored health plans reached $16,834 for family coverage (see Exhibit 16.1) and $6,025 for single coverage (see last item, Exhibit 16.2). The rise in premiums has substantially exceeded the growth in workers’ wages and ­general inflation over the past 10 years. As a result, the financial burden ...

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