Chartbook Section 3
Employment-Based
Health Insurance
Section 3: Employment-Based Health Insurance

Background on the labor market
 Firm sizes
 Industry sector distributions
 Part-time employment

Availability of coverage
 Employer offer rates
 Eligibility
 Access, take-up, and coverage

Cost of coverage & cost sharing
 Total premium
 Employer/employee shares of premium
 Enrollees in plans with deductibles
A summary of the charts and graphs contained within is provided at Chartbook Summaries - Section 3.
Direct links are listed on each page. Please contact the Health Economics Program at 651-201-3550 or
[email protected] if additional assistance is needed for accessing this information.
BACKGROUND ON THE LABOR MARKET
(SELECT YEARS)
Distribution of Minnesota Establishments and
Employees by Firm Size, 2014/2015
100%
16.9%
80%
60%
6.5%
5.8%
10.5%
58.8%
40%
14.9%
60.4%
7.4%
7.8%
20%
11.0%
0%
Firms
Less than 10
Employees
10-24
25-50
51-200
201+
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
4
Percent of Minnesota Employees in each
Industry Sector
100%
18.1%
24.5%*
19.4%
23.0%
80%
22.3%
24.7%
60%
40%
40.3%
30.1%
27.7%
32.9%
30.7%
32.3%
14.4%
12.2%
15.1%
12.3%
5.0%
5.7%
4.7%
4.6%
2002/2003
2006/2008
2010/2011
2014/2015
20%
0%
Agriculture/Fishing/Forestry
Mining/Manufacturing
Retail/Other Services
Professional Services
*Indicates a statistically significant difference (95% level) from previous time period shown.
Professional Services 2002/2003 figure does not meet MEPS survey standard of reliability or precision.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
All Others
5
Percent of Minnesota Employees Working
Part-Time
40%
35%
30%
26.2%
25.8%
26.6%
2002/2003
2006/2008
2010/2011
27.9%
25%
20%
15%
10%
5%
0%
2014/2015
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality,
Medical Expenditure Panel Survey-Insurance Component. Part-time is defined by survey respondent as not being full-time. Full-time definition is
determined by respondent and no minimum number of hours is specified in the survey. Data presented are weighted averages of two years of data.
Summary of Graph
6
AVAILABILITY OF COVERAGE
(SELECT YEARS)
Percent of Minnesota Establishments Offering
Health Insurance Coverage
100%
80%
60%
56.2%
52.7%
47.3%*
43.3%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
*Indicates a statistically significant difference (95% level) from previous time period shown.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
8
Percent of Minnesota Employees Working for an
Establishment That Offers Health Insurance
100%
88.6%
87.4%
2002/2003
2006/2008
83.9%
82.6%
2010/2011
2014/2015
80%
60%
40%
20%
0%
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
9
Percent of Minnesota Employers
Offering Health Insurance, by Firm Size
100%
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
^ ^ ^ ^
Fewer than 10
Employees
33.3%^
28.3% ^
25.5% ^
20.7% ^
^ ^
^ ^ ^ ^
^ ^ ^* ^
^ ^ ^ ^
10 to 24
Employees
74.6%^
68.7%^
58.1%
49.6%
25 to 50
Employees
80.2% ^
82.0% ^
76.9% ^
64.2% ^
51 to 200
Employees
91.1% ^
96.4% ^
80.1% ^*
82.8% ^
201+
Employees
97.6% ^
97.2% ^
97.8% ^
97.6% ^
*Indicates a statistically significant difference (95% level) from previous time period estimate.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
*
All Firms
56.2%
52.7%
47.3%*
43.3%
10
Percent of Minnesota Employers that
Offer Family Coverage by Firm Size
Among Firms that Offer Coverage
100%
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
^
^
^
^
Fewer than 25
Employees
76.9%^
71.6%^
72.6%^
80.8%^
^
25-50
Employees
93.4%
88.5%
91.7%
88.8%
^
^
51-200
Employees
97.8%^
86.1%
98.4%^
99.5%^
^
^
^
^
201+
Employees
100.0%^
100.0%^
100.0%^
100.0%^
*
All Firms
87.2%
84.1%
86.3%
91.1%
*Indicates a statistically significant difference (95% level) from previous time period estimate.
^Indicates a statistically significant difference (95% level) from average of all firms within a time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Data presented are weighted averages of two years of data.
Summary of Graph
11
Percent of Minnesota Employees in
Establishments That Offer Health Insurance, by
Firm Size
100%
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
^ ^ ^ ^
^ ^ ^ ^
^
Fewer than 10
Employees
40.4%^
36.2%^
33.9%^
26.6%^
10 to 24
Employees
78.7%^
71.0%^
62.5% ^
53.5% ^
25 to 50
Employees
87.3%
83.1%
79.2%
67.0% ^
^ ^
^ ^ ^ ^
51 to 200
Employees
95.0% ^
94.5% ^
82.4%
88.4%
201+
Employees
99.1%^
97.3%^
97.1% ^
97.4% ^
*Indicates a statistically significant difference (95% level) from previous time period estimate.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
All Firms
88.6%
87.4%
83.9%
82.6%
12
Percent of Minnesota Employees Eligible for
Health Insurance, by Firm Size
100%
Among Firms that Offer Health Insurance
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
^ *
Fewer than
10
Employees
80.9%
80.0%
74.4%
77.9%
10 to 24
Employees
25 to 50
Employees
51 to 200
Employees
201+
Employees
All Firms
76.5%
71.5%
75.0%
78.0%
69.4%
76.2%
70.2%
66.8%
72.5%
63.5% ^
76.9% *
80.7%
77.5%
81.3%
78.6%
76.0%
75.8%
77.7%
77.4%
76.3%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
13
Percent of Eligible Minnesota Employees Who
Enroll in Coverage (Take-up Rate), by Firm Size
100%
Among Employees Eligible for Health Insurance Coverage
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
^
Fewer than
10
Employees
86.2% ^
82.0%
80.8%
72.9%
^
*
10 to 24
Employees
25 to 50
Employees
51 to 200
Employees
201+
Employees
All Firms
79.3%
77.4%
73.7%
66.4%
72.2% ^
75.7%
72.5%
70.2%
78.7%
78.2%
76.9%
68.3%
81.9%
77.7%
80.8%
75.9%
80.3%
77.8%
79.4%
73.7%*
Among those eligible for coverage from their employer.
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Data presented are weighted averages of two years of data.
Summary of Graph
14
Trends in Eligibility, Take-up and Coverage in
Firms That Offer Health Insurance
100%
Among Minnesota Employees in Establishments that Offer Coverage
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
*
Eligibility
75.8%
77.7%
77.4%
76.3%
Take-up
80.3%
77.8%
79.4%
73.7% *
*
Coverage
60.9%
60.5%
61.5%
56.3%*
“Take-up” is the percent of eligible employees who enroll in health insurance. “Coverage” is the percent of all employees with an offer who enroll in
health insurance.
*Indicates a significant difference (95% level) from estimate of previous time period shown.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Data presented are weighted averages of two years of data.
Summary of Graph
15
Percent of Minnesota Employees Enrolled in
Coverage by Industry Sector
100%
80%
40%
20%
0%
2002/2003
^
Not reported
60%
Ag. / Fishing /
Forestry
81.3%
^
^
^
^
Mining /
Manufacturing
92.6%^
2006/2008
85.6% ^
2010/2011
76.2%
94.6%^
92.3% ^
2014/2015
0
Not Reported
96.0% ^
^
^
^
^ ^* ^
^
Retail / Other
Services
60.1%^
62.6% ^
Professional
Services
58.9% ^
60.5% ^
76.8%
76.9%
78.7%
72.1%
^
All Others
Total
91.2% ^
84.5% ^*
75.8%
90.9% ^
85.8% ^
77.4%
77.7%
76.3%
“Coverage” is the percent of all employees with an offer who enroll in health insurance.
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. “Not reported“ indicates not enough data to provide results. Data presented are weighted averages of two years of data.
Summary of Graph
16
Percent of Minnesota Employees Enrolled in
Coverage by Full-Time/Part-Time Status
100%
80%
60%
40%
20%
0%
2002/2003
2006/2008
2010/2011
2014/2015
^
^
^
Full-Time
73.7% ^
71.6% ^
73.2% ^
69.3% ^
^
^
^
^
Part-Time
16.5% ^
20.9% ^
16.6% ^
10.7% ^
^
*
All workers
60.9%
60.5%
61.5%
56.3%*
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel SurveyInsurance Component. Part-time is defined by survey respondent as not being full-time. Full-time definition is determined by respondent and no
minimum number of hours is specified in the survey. Data presented are weighted averages of two years of data.
Summary of Graph
17
COST OF COVERAGE & COST SHARING
(SELECT YEARS)
Average Annual Health Insurance Premiums in
Minnesota
$20,000
Single Coverage
Family Coverage
$16,000
$12,000
$8,000
$4,000
$2002/2003
2006/2008
2010/2011
2014/2015
*
*
$3,493
$4,211*
$5,185*
$5,739*
*
*
*
*
$9,502
$12,525*
$14,767 *
$16,644 *
*Indicates a significant difference (95% level) from estimates of previous time period shown.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel SurveyInsurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.
Summary of Graph
19
Average Annual Health Insurance Premiums in
Minnesota for Single Coverage, by Firm Size
$7,000
$6,000
$5,000
$4,000
$3,000
$2,000
$1,000
$-
*
Fewer than 10
Employees
^
*
*
^
*
2002/2003
$3,442
10-24
Employees
$3,081^
2006/2008
$4,206
$4,232 *
$3,860
$4,351
$4,973
$4,857 *
$4,577 ^
$5,226 *
2010/2011
$5,092*
2014/2015
$6,141
$5,183
25-50
Employees
51-200
Employees
$3,532
$3,825
$5,664
*
*
*
201+ Employees
$3,470
$4,219*
$5,239*
$5,900 *
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within a time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two
years of data.
Summary of Graph
*
*
*
All Firms
$3,493
$4,211*
$5,185*
$5,739*
20
Average Annual Health Insurance Premiums in
Minnesota for Family Coverage, by Firm Size
$20,000
$16,000
$12,000
$0
*
^
*
Not reported
$4,000
Not reported
Not reported
$8,000
*
*
*
*
*
*
*
Fewer than 10
Employees
10-24
Employees
25-50
Employees
51-200
Employees
201+ Employees
All Firms
2002/2003
$8,558
$9,096
$9,581
$9,492
$9,502
2006/2008
$10,845
$12,904 *
$10,239
$9,274 ^
$12,410 *
2010/2011
$13,686
$13,402
$14,896*
$14,563
$12,525 *
$14,767 *
2014/2015
$0
Not Reported
$0
Not Reported
$0
Not Reported
$15,778
$12,880 *
$14,920 *
$17,229 *
$16,644 *
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within a time period.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Family coverage excludes employee-plus-one coverage. “Not reported“ indicates not enough data to provide results. Data presented are
weighted averages of two years of data.
Summary of Graph
21
Average Employer and Employee Shares of
Premiums in Minnesota
Single Coverage
100%
Family Coverage
72.2%
75.2%
74.4%
76.2%
77.8%
79.7%
79.8%
60%
81.7%
80%
40%
18.3%
20.2%
20.3%
22.2%
23.8%
25.6%
24.8%
27.8%
20%
2002/2003
2006/2008
2010/2011
2014/2015
2002/2003
2006/2008
2010/2011
2014/2015
0%
Employee Share
Employer Share
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Family coverage excludes employee-plus-one coverage. Results are not statistically significant at the 95% level from previous time period
shown. Data presented are weighted averages of two years of data.
Summary of Graph
22
Average Annual Employee and Employer
Contribution to Premiums in Minnesota
$14,000
Family Coverage
Single Coverage
$12,016
$12,000
$11,089 *
$10,000
$9,335 *
$8,000
$7,234
$6,000
$4,000
$2,000
$2,858
$635
$3,360 *
$4,131 *
$4,627 *
$4,464 *
$2,268
$851 *
$1,054 *
$3,190 *
$3,679 *
$1,276 *
$2002/2003
2006/2008
2010/2011
2014/2015
Employee Share
2002/2003
2006/2008
2010/2011
2014/2015
Employer Share
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel SurveyInsurance Component. Family coverage excludes employee-plus-one. Data presented are weighted averages of two years of data.
Summary of Graph
23
Percent of Enrollees Whose Employer Pays 100
Percent of Premium Coverage in Minnesota
25%
20%
15%
23.1%
20.0%
12.4%*
13.8%
10.3%
10%
9.6%
6.3%
6.1%
5%
0%
Single Coverage
2002/2003
Family Coverage
2006/2008
2010/2011
2014/2015
Family figures for 2002/2003, 2006/2008, and 2010/2011 do not meet standard of reliability or precision.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.
Summary of Graph
24
Distribution of Minnesotans with Employer
Coverage by Level of Employer Contribution,
2014/2015
40%
34.8%
30%
26.7%
25.0%
20.9%
20%
10%
28.8%
16.7%
13.8%
10.2%
6.6% 5.5%
4.9%
6.1%
0%
Less than 50%
50% to 69%
70% to 79%
80% to 89%
Percent Contributed By Employer
Single
90% to 99%
100%
Family
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel SurveyInsurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.
Summary of Graph
25
Percent of Employees Enrolled in a Health Plan
with a Deductible
100%
96.1%*
94.9%*
84.2%*
80%
82.1%*
75.6%
69.3%
60%
40%
20%
0%
Single Coverage
2006/2008
Family Coverage
2010/2011
2014/2015
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Data not available for prior to 2003. Data presented are weighted averages of two years of data.
Summary of Graph
26
Average Deductible for Individuals with Employer
Coverage
$3,500
$3,218 *
$3,000
$2,500
$2,316 *
$2,000
$1,625 *
$1,500
$1,000
$1,484
$1,222 *
$777
$500
$0
Single Coverage
2006/2008
Family Coverage
2010/2011
2014/2015
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance
Component. Data not reported prior to 2002. Data presented are weighted averages of two years of data.
Summary of Graph
27
Cumulative Growth Rates of Premiums and
Deductibles for Individual Coverage
300%
250%
200%
150%
100%
50%
0%
2002/2003
2004/2005
Employee Premium Growth
2006/2008
2010/2011
Employer Premium Growth
2012/2013
2014/2015
Deductible Growth
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel SurveyInsurance Component. Deductible data not reported prior to 2002. Data presented are weighted averages of two years of data.
Summary of Graph
28
Cumulative Growth Rates of Premiums and
Deductibles for Family Coverage
250%
200%
150%
100%
50%
0%
2002/2003
2004/2005
Employee Premium Growth
2006/2008
2010/2011
Employer Premium Growth
2012/2013
2014/2015
Deductible Growth
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel SurveyInsurance Component. Deductible data not reported prior to 2002. Data presented are weighted averages of two years of data.
Summary of Graph
29
Additional Information from the Health
Economics Program Available Online

Health Economics Program Home Page
www.health.state.mn.us/healtheconomics

Publications
https://apps.health.state.mn.us/hep-publications/home.xhtml

Health Care Market Statistics (Chartbook Updates)
www.health.state.mn.us/divs/hpsc/hep/chartbook/index.html

Agency for Healthcare Research and Quality-Medical
Expenditure Panel Survey Methodology
http://meps.ahrq.gov/mepsweb/survey_comp/ic_technical_notes.shtml#estimation
A summary of the charts and graphs contained within is provided at Chartbook Summaries - Section 3.
Direct links are listed on each page. Please contact the Health Economics Program at 651-201-3550 or
[email protected] if additional assistance is needed for accessing this information.
30