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
health.hep@state.mn.us 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, 2013/2014
100%
16.2%
80%
5.9%
5.5%
60.4%
10.8%
60%
40%
12.7%
61.9%
7.8%
20%
7.9%
11.5%
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.
Summary of Graph
4
Percentage of Minnesota Employees in each
Industry Sector
100%
16.9%
24.3%
20.3%
22.6%
23.9%
30.4%*
27.9%
34.1%
31.4%
33.0%
13.8%
12.7%
12.9%
12.0%
7.6%
6.5%
5.8%
4.8%
80%
22.3%
60%
40%
40.8%
20%
0%
2001/2002
Agriculture/Fishing/Forestry
2005/2006
Mining/Manufacturing
2009/2010
2013/2014
Retail/Other Services
Professional Services
All Others
*Indicates a statistically significant difference (95% level) from previous time period shown.
Professional Services 2001/2002 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.
Summary of Graph
5
Percentage of Minnesota Employees Working
Part-Time
35%
29.0%
30%
25%
24.8%
25.9%
25.9%
2005/2006
2009/2010
20%
15%
10%
5%
0%
2001/2002
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality,
Medical Expenditure Panel Survey-Insurance Component.
Summary of Graph
2013/2014
6
AVAILABILITY OF COVERAGE
(SELECT YEARS)
Percent of Minnesota Establishments Offering
Health Insurance Coverage
100%
90%
80%
70%
60%
58.7%
53.2%*
51.5%
50%
45.6%*
40%
30%
20%
10%
0%
2001/2002
2005/2006
2009/2010
2013/2014
*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.
Summary of Graph
8
Percent of Minnesota Employees Working for an
Establishment That Offers Health Insurance
100%
89.3%
88.3%
86.1%
83.2%
80%
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component.
Summary of Graph
9
Percent of Minnesota Employers
Offering Health Insurance, by Firm Size
100%
80%
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
^ *^ ^ *^
Fewer than 10
Employees
38.8%
29.6%
31.1%
25.0%
^ ^
^ ^ ^ ^
^ ^ *^ ^
^ *^ ^ ^
10 to 24
Employees
74.9%
66.4%
57.9%
52.1%
25 to 50
Employees
75.8%
87.4%
78.8%
68.4%
51 to 200
Employees
92.9%
96.2%
80.4%
84.3%
201+
Employees
97.1%
99.4%
99.2%
98.9%
*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.
Summary of Graph
*
*
All Firms
58.7%
53.2%
51.5%
45.6%
10
Percentage of Minnesota Employers that
Offer Family Coverage by Firm Size
100%
80%
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
^ ^ ^
Fewer than 25
Employees
81.1%
74.9%
71.0%
80.1%
^ *
25-50 Employees
92.2%
88.1%
93.5%
96.2%
51-200
Employees
96.2%
78.1%
94.2%
92.3%
^ ^ ^ ^
201+ Employees
All Firms
100.0%
99.4%
99.4%
99.3%
88.7%
84.3%
84.3%
89.5%
*Indicates a statistically significant difference (95% level) from previous time period estimate.
^Indicates a statistically significant difference (95% level) from average for 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.
Summary of Graph
11
Percent of Minnesota Employees in
Establishments That Offer Health Insurance, by
Firm Size
100%
80%
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
^ *^ ^ *^
^ ^ *^ ^
^
Fewer than 10
Employees
50.8%
36.7%
40.3%
30.1%
10 to 24
Employees
77.0%
74.1%
63.0%
57.1%
25 to 50
Employees
83.1%
86.0%
80.9%
68.1%
^ ^
^ ^ ^ ^
51 to 200
Employees
96.2%
95.1%
84.5%
89.0%
201+
Employees
99.1%
98.4%
99.0%
97.3%
*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.
Summary of Graph
All Firms
89.3%
88.3%
86.1%
83.2%
12
Percent of Minnesota Employees Eligible for
Health Insurance, by Firm Size
100%
Among Firms that Offer Health Insurance
80%
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
^ ^ * *^
Fewer than 10
Employees
80.5%
85.1%
72.4%
82.7%
*^
10 to 24
Employees
76.7%
65.9%
75.7%
71.4%
^
25 to 50
Employees
71.5%
69.8%
72.1%
65.7%
^ ^
51 to 200
Employees
66.5%
65.3%
76.5%
72.1%
201+
Employees
76.3%
79.7%
78.4%
75.9%
*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.
Summary of Graph
All Firms
74.6%
76.1%
77.3%
74.8%
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%
2001/2002
2005/2006
2009/2010
2013/2014
*^
Fewer than 10
Employees
76.7%
78.5%
79.4%
71.4%
10 to 24
Employees
78.8%
79.1%
74.8%
65.9%
25 to 50
Employees
74.3%
75.8%
77.5%
65.8%
*
51 to 200
Employees
78.3%
76.5%
77.8%
68.3%
201+
Employees
81.3%
77.9%
79.2%
76.3%
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.
Summary of Graph
All Firms
79.6%
77.7%
78.7%
73.9%
14
Trends in Eligibility, Take-up and Coverage in
Firms That Offer Health Insurance
100%
80%
Among Minnesota Employees in Establishments that
Offer Coverage
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
*
Eligibility
74.6%
76.1%
77.3%
74.8%
Take-up
79.6%
77.7%
78.7%
73.9%
*
Coverage
59.4%
59.2%
60.8%
55.3%
“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.
Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel
Survey-Insurance Component.
Summary of Graph
15
Percent of Minnesota Employees Enrolled in
Coverage by Industry Sector
100%
80%
60%
Not Reported
40%
^ *^ ^ *^
^
Ag. / Fishing /
Forestry
Mining /
Manufacturing
Retail / Other
Services
Professional
Services
All Others
Total
2001/2002
53.8%
82.9%
44.5%
62.2%
70.0%
59.4%
2005/2006
55.7%
76.7%
41.4%
62.2%
69.9%
59.2%
2009/2010
66.3%
82.7%
38.3%
59.0%
76.6%
60.8%
2013/2014
0
Not Reported
71.3%
29.7%
57.1%
70.7%
55.3%
20%
0%
^
^ *^
^
^ *^
“Coverage” is the percentage 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 data was suppressed due to high standard errors or no reported values in cell.
Summary of Graph
*
16
Percent of Minnesota Employees Enrolled in
Coverage by Full-Time/Part-Time Status
100%
80%
60%
40%
20%
0%
2001/2002
2005/2006
2009/2010
2013/2014
^
^
^
Full-Time
71.4%
70.6%
72.5%
70.4%
^
^
^
^
Part-Time
14.1%
19.2%
17.1%
8.6%
*
*^
All workers
59.4%
59.2%
60.8%
55.3%
*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.
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
$2001/2002
2005/2006
2009/2010
2013/2014
*
*
$3,089
$3,957
$4,782
$5,557
*
*
*
*
$8,266
$11,128
$13,542
$15,599
*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
Survey-Insurance Component. Family coverage excludes employee-plus-one coverage.
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
*
*
*
10-24 Employees 25-50 Employees
^
*
*
*
*
*
*
51-200
Employees
201+ Employees
All Firms
2001/2002
$3,020
$3,017
$3,338
$3,472
$2,961
$3,089
2005/2006
$3,852
$3,905
$3,737
$4,130
$3,958
$3,957
2009/2010
$5,251
$4,882
$4,501
$4,680
$4,782
$4,782
2013/2014
$5,478
$5,787
$5,074
$5,641
$5,569
$5,557
*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.
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.
Summary of Graph
*
20
Average Annual Health Insurance Premiums in
Minnesota for Family Coverage, by Firm Size
$20,000
$16,000
$12,000
$0
*
*
Fewer than 10
Employees
*
Not reported
$4,000
Not reported
$8,000
^
^
10-24 Employees 25-50 Employees
*
*
*
*
*
*
51-200
Employees
201+ Employees
All Firms
2001/2002
$7,565
$8,484
$9,742
$8,349
$8,091
$8,266
2005/2006
$10,089
$11,901
$10,365
$10,653
$11,244
$11,128
2009/2010
$13,755
$11,867
$12,035
$12,598
$13,956
$13,542
2013/2014
$0
Not Reported
$0
Not Reported
$13,632
$14,433
$16,160
$15,599
*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.
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 data was suppressed
due to high standard errors or no reported values in cell.
Summary of Graph
*
21
Average Annual Employee and Employer
Contribution to Premiums in Minnesota
$12,000
$11,409 *
Family Coverage
Single Coverage
$10,063 *
$10,000
$8,207 *
$8,000
$6,349
$6,000
$4,333 *
$4,190 *
$3,774 *
$4,000
$3,148 *
$2,922 *
$2,509
$3,479 *
$1,917
$2,000
$580
$810 *
$1,009 *
$1,224 *
$2001/2002
2005/2006
2009/2010 2013/2014 2001/2002 2005/2006
Employee Share
Employer Share
2009/2010
*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. Family coverage excludes employee-plus-one.
Summary of Graph
2013/2014
22
Average Employer and Employee Shares of
Premiums in Minnesota
Single Coverage
100%
Family Coverage
73.1%
74.2%
73.8%
76.8%
77.9%
78.9%
79.5%
60%
81.3%
80%
40%
18.7%
20.5%
21.1%
22.1%
23.2%
26.2%
25.8%
26.9%
20%
2001/2002
2005/2006
2009/2010
2013/2014
2001/2002
2005/2006
2009/2010
2013/2014
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
Summary of Graph
23
Percent of Enrollees Whose Employer Pays 100
Percent of Premium Coverage in Minnesota
25%
20.4%
20%
15%
19.1%
14.4%
12.3%
12.9%
9.9%
10%
8.6%
7.8%
5%
0%
Single Coverage
2001/2002
Family Coverage
2005/2006
2009/2010
2013/2014
Family figures for 2001/2002, 2005/2006, and 2009/2010 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.
Summary of Graph
24
Distribution of Minnesotans with Employer
Coverage by Level of Employer Contribution,
2013/2014
40%
37.8%
35%
30%
25.5%
24.6%
25%
26.6%
21.8%
20%
14.8%
15%
10%
5%
12.3%
11.8%
7.4%
7.8%
6.0%
3.5%
0%
Less than 50%
50% to 69%
70% to 79%
80% to 89%
90% to 99%
Percent of Premium Contributed By Employer
Single
Family
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.
Summary of Graph
100%
25
Percent of Employees Enrolled in a Health Plan
with a Deductible
100%
92.0%*
91.9%*
86.2%*
80%
85.6%*
75.4%
71.4%
60%
40%
20%
0%
Single Coverage
2005/2006
Family Coverage
2009/2010
2013/2014
*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.
Summary of Graph
26
Average Deductible for Individuals with Employer
Coverage
$3,000
$2,708 *
$2,500
$2,082 *
$2,000
$1,402 *
$1,500
$1,346
$1,108 *
$1,000
$716
$500
$0
Single Coverage
2005/2006
Family Coverage
2009/2010
2013/2014
*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.
Summary of Graph
27
Additional Information from the Health
Economics Program Available Online

Health Economics Program Home Page
www.health.state.mn.us/healtheconomics

Publications
www.health.state.mn.us/divs/hpsc/hep/publications/index.html

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
health.hep@state.mn.us if additional assistance is needed for accessing this information .
28