National Survey of Employer-Sponsored 健康 Plans
Accelerating health benefit cost growth is driving program strategies
-
Inflation catches up with healthcare
The average per-employee cost of employer-sponsored health insurance rose by 5.2% in 2023 to reach $15,797, and employers project another sharp increase for 2024. Because healthcare providers typically have multi-year contracts with health plans, inflation-driven cost increases are phasing in as contracts are renewed. -
Challenges for small employers
Cost increases were highest for small employers, who also reported a higher average per-employee cost for health insurance -- $16,464美元对15美元,大型雇主为640人. Large employers are able to self-fund their medical plans, avoiding insurance company risk charges, and typically also have more resources to devote to health program management. -
Rx起了一定作用
Medical breakthroughs have made drugs the fastest-growing component of plan cost for years, and in 2023 pharmacy benefit cost jumped 8.4%. New and ongoing developments in the pharmaceutical market seem likely to have a long-term impact on health benefit cost. -
保持医疗负担得起
Despite rising health plan costs, large employers largely avoided shifting additional costs to employees through higher deductibles or OOP maximums in 2023. Some are providing medical plan choices to accommodate different financial and medical situations, 例如, a plan option with free employee-only coverage, 或者没有免赔额的保险.
Survey gives early look at employer response to rising health costs
探索2023年的调查结果
健康 benefit cost per employee rose 5.2% in 2023
改变 in total health benefit cost per employee compared to CPI
Annual change in total health benefit cost per employee:
2004 7.5%
2005 6.1%
2006 6.1%
2007 6.1%
2008 6.3%
2009 5.5%
2010 6.9%
2011 6.1%
2012 4.1%
2013 2.1%
2014 3.9%
2015 3.8%
2016 2.4%
2017 2.6%
2018 3.6%
2019 3.0%
2020 3.4%
2021 6.3%
2022 3.2%
2023 5.2%
总体通货膨胀
Beginning in 2020, survey results are based on employers with 50 or more employees. *预计.
Source: 美世's National Survey of Employer-Sponsored 健康 Plans, 劳工统计局, 居民消费价格指数, U.S. City Average of Annual Inflation, 1993-2023 (April)
Copyright© 2021 美世 (US) Inc. 版权所有.
美世 National Survey of Employer-Sponsored 健康 Plans
小型雇主为7.到2023年将增长8%, pushing cost well above $16,000 per employee
Average total health benefit cost per employee
All employers (50 or more employees)
2022 $15,013
2023 $15,797
+5.2%
Employers with 50-499 employees
2022 $15,278
2023 $16,464
+7.8%
Employers with 500 or more employees
2022 $14,948
2023 $15,640
+4.6%
Copyright© 2021 美世 (US) Inc. 版权所有.
美世 National Survey of Employer-Sponsored 健康 Plans
Prescription drug cost is driving overall health benefit cost
Average annual change in cost per employee
2019
处方药费用.9%
健康福利总费用3.0%
2020
处方药费用6.4%
健康福利总费用3.4%
2021
处方药费用7.1%
健康福利总费用6.3%
2022
处方药费用6.4%
健康福利总费用3.2%
2023
处方药费用.4%
健康福利总费用5.2%
Copyright© 2021 美世 (US) Inc. 版权所有.
美世 National Survey of Employer-Sponsored 健康 Plans
提高购买力
Employers with 500 or more employees
Helping employees keep more of their paychecks
15% Offer free employee-ony coverage in at least one medical plan
17% Use salary-based contributions
Removing financial barriers to seek care
39% Offer medical plan with no/low deductible (e.g.，共付计划)
Providing cash to help pay for healthcare
6% Make larger HSA contributions to low-earners
Copyright© 2021 美世 (US) Inc. 版权所有.
美世 National Survey of Employer-Sponsored 健康 Plans