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
100%
80%
58.2%*
60%
54.0%
52.2%
47.3%*
40%
20%
0%
1996/1997
2000/2001
2004/2005
*Indicates a statistically significant difference (95% level) from previous time period shown.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
2010/2011
Percent of Minnesota Employees Working for
an Establishment That Offers Health Insurance
100%
87.7%
90.1%
88.7%
83.9%*
80%
60%
40%
20%
0%
1996/1997
2000/2001
2004/2005
*Indicates a statistically significant difference (95% level) from previous time period shown.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
2010/2011
Percent of Minnesota Employers Offering Health
Insurance, by Firm Size, 1996/1997 & 2010/2011
96.4%^ 97.8%^
100%
86.4%^
80%
71.9%^
74.1%^ 76.9%^
80.1%*^
58.1%*^
60%
52.2%
47.3%*
40%
34.3%^
25.5%*^
20%
0%
Fewer than 10
10 to 24
25 to 50
51 to 200
Number of Employees in Firm
1996/1997
More than 200
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.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
All firms
Percent of Minnesota Employees in Establishments
That Offer Health Insurance, by Firm Size, 1996/1997 &
2010/2011
100%
94.5%^
98.1%^ 97.1%^
87.7%
77.9%^
80%
79.7% 79.1%
82.4%*
83.9%*
62.5%*^
60%
52.9%^
40%
33.9%^
20%
0%
Fewer than 10
10 to 24
25 to 50
51 to 200
Number of Employees in Firm
1996/1997
More than 200
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.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
All firms
Percent of Employees Eligible for Health Insurance, by
Firm Size, 1996/1997 & 2010/2011
100%
84.5%
80%
78.9%
74.4%*
79.5%
77.0%
75.0%
70.2%
81.1% 78.6%
79.8%
77.4%
72.6%
60%
40%
20%
0%
Fewer than 10
10 to 24
25 to 50
51 to 200
Number of Employees in Firm
1996/1997
More than 200
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.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
All firms
Percent of Eligible Employees Who Enroll in Coverage
(Take-up Rate), by Firm Size, 1996/1997 & 2010/2011
100%
80%
85.0%
80.8%
78.7%^
73.7%
80.4%
84.0%
87.5%
80.8%
76.9%
84.7%
79.4%
72.5%
60%
40%
20%
0%
Fewer than 10
10 to 24
25 to 50
51 to 200
Number of Employees in Firm
1996/1997
More than 200
2010/2011
^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 Medical Expenditure Panel Survey/IC Component.
All firms
Trends in Eligibility, Take-up and Coverage in Firms
That Offer Health Insurance
Among Employees in Establishments that Offer Coverage
100%
80%
77.4%
79.8% 77.5%
76.8%
84.7% 81.6%
79.4%
79.3%
67.6%
60%
62.9%*
61.5%
60.9%
40%
20%
0%
Eligibility
Take-Up
1996/1997
2000/2001
2004/2005
Coverage
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.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
COST OF COVERAGE &
COST SHARING
Average Annual Health Insurance Premiums in
Minnesota
$16,000
$14,767*
$14,000
$12,000
$10,536*
$10,000
$8,000
$7,226*
$6,000
$5,185*
$5,067
$3,868*
$4,000
$2,807*
$2,000
$1,926
$0
Single Coverage
1996/1997
Family Coverage
2000/2001
2004/2005
2010/2011
*Indicates a significant difference (95% level) from estimates of previous time period shown.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
Average Annual Health Insurance Premiums in
Minnesota for Single Coverage, by Firm Size
$6,000
$5,092*
$5,000
$4,000
$3,702*
$5,185*
$5,239*
$5,226*
$4,973*
$4,857*
$3,716*
$3,941*
$3,913*
$3,868*
$3,522*
$3,095*
$3,000
$2,767*
$2,000 $1,718
$2,762*
$1,804
$2,762*
$2,738*
$1,755
$2,045
$1,794
$2,807*
$1,926
$1,000
$0
Fewer than 10
10 to 24
25 to 50
51 to 200
Number of Employees in Firm
1996/1997
2000/2001
2004/2005
More than 200
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.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
All Firms
Average Annual Health Insurance Premiums in
Minnesota for Family Coverage, by Firm Size
$16,000
$14,897*
$13,686*
$14,000
$14,767*
$13,403
$12,000
$10,649*
$10,000
$14,920*
$14,563*
$9,982
$9,240*^
$10,706*
$10,388*
$10,536*
$8,493*^
$8,000
$6,676*
$7,352*
$7,265*
$6,000
$4,324^
$4,720
$4,691
$7,226*
$7,192*
$5,262
$4,826
$5,067
$4,000
$2,000
$0
Fewer than 10
10 to 24
25 to 50
51 to 200
Number of Employees in Firm
1996/1997
2000/2001
2004/2005
More than 200
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.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
All Firms
Average Annual Employee and Employer
Contribution to Premiums in Minnesota
$12,000
Family Coverage
Single Coverage
$11,088*
$10,000
$8,069*
$8,000
$6,000
$5,312*
$4,131*
$4,000
$3,839
$3,679*
$3,085*
$2,468*
$2,304*
$2,000
$1,915*
$1,622
$305
$503*
$783*
$1,054*
$1,229
$0
1996/1997
2000/2001
2004/2005
2010/2011
Employee Share
1996/1997
2000/2001
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 Medical Expenditure Panel Survey/IC Component.
2004/2005
2010/2011
Average Employer and Employee Shares of
Premiums in Minnesota
Single Coverage
Family Coverage
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
1996/1997
2000/2001
2004/2005
2010/2011
Employee Share
1996/1997
2000/2001
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 Medical Expenditure Panel Survey/IC Component.
2004/2005
2010/2011
Percent of Enrollees Whose Employer Pays
100 Percent of Premium for Single Coverage
40%
30.8%
30%
20.7%*
20%
17.9%
12.4%*
10%
0%
1996/1997
2000/2001
2004/2005
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
2010/2011
Percent of Enrollees Whose Employer Pays
100 Percent of Premium for Family Coverage
40%
30%
20%
14.0%
11.3%
9.3%
10%
6.3%
0%
1996/1997
2000/2001
2004/2005
Differences between consecutive time periods shown are not statistically significant at the 95% level.
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
2010/2011
Distribution of Enrollment by Employer
Contribution, 2009/2010
40%
32.6%
29.4%
30%
24.9%
20%
24.2%
18.1%
15.5%
13.7%
9.4%
10%
12.4%
9.4%
6.4%
4.1%
0%
Less than 50%
50% to 69%
70% to 79%
80% to 89%
90% to 99%
Percent Contributed by Employer
Single Coverage
Family Coverage
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
100%
Percent of Enrollees in a Health Plan with a
Deductible, 2010/2011
100%
84.3%
82.1%
80%
60%
40%
20%
0%
Single
Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.
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