Section 3: Employment-Based Health Insurance 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
AVAILABILITY OF COVERAGE
Percent of Minnesota Business Establishments Offering Health Insurance Coverage 10 8 6 52.2% 58.2%* 54. 47.3%* 1996/1997 2000/2001 2004/2005 2010/2011 *Indicates a statistically significant difference (95% level) from previous time period shown.
Percent of Minnesota Employees Working for an Establishment That Offers Health Insurance 10 8 87.7% 90.1% 88.7% 83.9%* 6 1996/1997 2000/2001 2004/2005 2010/2011 *Indicates a statistically significant difference (95% level) from previous time period shown.
Percent of Minnesota Employers Offering Health Insurance, by Firm Size, 1996/1997 & 2010/2011 10 96.4%^ 97.8%^ 86.4%^ 8 71.9%^ 74.1%^ 76.9%^ 80.1%*^ 6 58.1%*^ 52.2% 47.3%* 34.3%^ 25.5%*^ Fewer than 10 10 to 24 25 to 50 51 to 200 More than 200 All firms Number of Employees in Firm 1996/1997 2010/2011 *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.
Percent of Minnesota Employees in Establishments That Offer Health Insurance, by Firm Size, 1996/1997 & 2010/2011 10 8 77.9%^ 79.7% 79.1% 94.5%^ 82.4%* 98.1%^ 97.1%^ 87.7% 83.9%* 6 52.9%^ 62.5%*^ 33.9%^ Fewer than 10 10 to 24 25 to 50 51 to 200 More than 200 All firms Number of Employees in Firm 1996/1997 2010/2011 *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.
Percent of Employees Eligible for Health Insurance, by Firm Size, 1996/1997 & 2010/2011 10 8 84.5% 78.9% 79.5% 74.4%* 75. 70.2% 77. 72.6% 81.1% 78.6% 79.8% 77.4% 6 Fewer than 10 10 to 24 25 to 50 51 to 200 More than 200 All firms Number of Employees in Firm 1996/1997 2010/2011 *Indicates a statistically significant difference (95% level) from estimate of previous time period shown. Differences from average for all firms are not statistically significant at the 95% level.
Percent of Eligible Employees Who Enroll in Coverage (Take-up Rate), by Firm Size, 1996/1997 & 2010/2011 10 8 85. 80.8% 78.7%^ 80.4% 73.7% 72.5% 84. 76.9% 87.5% 84.7% 80.8% 79.4% 6 Fewer than 10 10 to 24 25 to 50 51 to 200 More than 200 All firms Number of Employees in Firm 1996/1997 2010/2011 ^Indicates a statistically significant difference (95% level) from average of all firms within time period.
Trends in Eligibility, Take-up and Coverage in Firms That Offer Health Insurance Among Employees in Establishments that Offer Coverage 10 8 79.8% 77.5% 77.4% 76.8% 84.7% 81.6% 79.4% 79.3% 6 67.6% 62.9%* 61.5% 60.9% Eligibility Take-Up Coverage 1996/1997 2000/2001 2004/2005 2010/2011 Take-up is the percentage of eligible employees who enroll in health insurance. Coverage is the percentage of all employees with an offer who enroll in health insurance. *Indicates a significant difference (95% level) from estimate of previous time period shown.
COST OF COVERAGE & COST SHARING
Average Annual Health Insurance Premiums in Minnesota $16,000 $14,000 $14,767* $12,000 $10,000 $10,536* $8,000 $7,226* $6,000 $5,185* $5,067 $4,000 $2,000 $1,926 $2,807* $3,868* $0 Single Coverage 1996/1997 2000/2001 2004/2005 2010/2011 Family Coverage *Indicates a significant difference (95% level) from estimates of previous time period shown.
Average Annual Health Insurance Premiums in Minnesota for Single Coverage, by Firm Size $6,000 $5,000 $5,092* $4,973* $4,857* $5,226* $5,239* $5,185* $4,000 $3,000 $3,702* $3,522* $3,716* $2,767* $2,762* $2,738* $3,913* $3,941* $3,868* $3,095* $2,762* $2,807* $2,000 $1,718 $1,804 $1,755 $1,794 $2,045 $1,926 $1,000 $0 Fewer than 10 10 to 24 25 to 50 51 to 200 More than 200 All Firms Number of Employees in Firm 1996/1997 2000/2001 2004/2005 2010/2011 *Indicates a statistically significant difference (95% level) from estimate of previous time period shown. ^Indicates a statistically significant difference (95% level) from average for all firms within a time period.
Average Annual Health Insurance Premiums in Minnesota for Family Coverage, by Firm Size $16,000 $14,000 $13,686* $13,403 $14,897* $14,563* $14,920* $14,767* $12,000 $10,000 $9,240*^ $10,649* $9,982 $10,388* $10,706* $10,536* $8,000 $6,676* $7,265* $8,493*^ $7,352* $7,192* $7,226* $6,000 $4,000 $4,324^ $4,720 $4,691 $4,826 $5,262 $5,067 $2,000 $0 Fewer than 10 10 to 24 25 to 50 51 to 200 More than 200 All Firms Number of Employees in Firm 1996/1997 2000/2001 2004/2005 2010/2011 *Indicates a statistically significant difference (95% level) from estimate of previous time period shown. ^Indicates a statistically significant difference (95% level) from average for all firms within a time period.
Average Annual Employee and Employer Contribution to Premiums in Minnesota $12,000 Single Coverage Family Coverage $11,088* $10,000 $8,000 $8,069* $6,000 $5,312* $4,000 $2,000 $0 $4,131* $3,839 $3,679* $3,085* $2,304* $2,468* $1,622 $1,915* $1,229 $783* $1,054* $305 $503* 1996/1997 2000/2001 2004/2005 2010/2011 1996/1997 2000/2001 2004/2005 2010/2011 Employee Share Employer Share *Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Average Employer and Employee Shares of Premiums in Minnesota 10 Single Coverage Family Coverage 9 8 7 6 5 3 1 1996/1997 2000/2001 2004/2005 2010/2011 1996/1997 2000/2001 2004/2005 2010/2011 Employee Share Employer Share *Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Percent of Enrollees Whose Employer Pays 100 Percent of Premium for Single Coverage 3 30.8% 20.7%* 17.9% 12.4%* 1 1996/1997 2000/2001 2004/2005 2010/2011 *Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Percent of Enrollees Whose Employer Pays 100 Percent of Premium for Family Coverage 3 14. 1 11.3% 9.3% 6.3% 1996/1997 2000/2001 2004/2005 2010/2011 Differences between consecutive time periods shown are not statistically significant at the 95% level.
Distribution of Enrollment by Employer Contribution, 2009/2010 32.6% 3 29.4% 24.9% 24.2% 18.1% 15.5% 13.7% 12.4% 1 4.1% 9.4% 9.4% 6.4% Less than 5 5 to 69% 7 to 79% 8 to 89% 9 to 99% 10 Percent Contributed by Employer Single Coverage Family Coverage
Percent of Enrollees in a Health Plan with a Deductible, 2010/2011 10 8 84.3% 82.1% 6 Single Family
Additional Information from the Health Economics Program Available Online Health Economics Program Home Page www.health.state.mn.us/divs/hpsc/hep/index.html Publications http://www.health.state.mn.us/divs/hpsc/hep/publications/yearly/2012.html Health Care Market Statistics (Presentation Slide Decks) www.health.state.mn.us/divs/hpsc/hep/chartbook/index.html Interactive Health Insurance Statistics https://pqc.health.state.mn.us/mnha/welcome.action