KFF Employment-Based Health Coverage, Part II

By November 9, 2018 Commentary

A few more items plucked from the annual KFF survey regarding employer-based health plans, link in yesterday’s post.  57% of all companies are offering some form of health coverage in 2018, but for firms over 1000 workers, the number is about 100%, while for smaller companies with 3 to 9 employees it is 47%.  However, 90% of all workers have access to a health plan at work.  At companies that offer a health plan, about 79% of employees are eligible for the plan and of these, 76% actually enroll, so around 60% of all employees have enrolled in a health plan if it is available and 53% of all employees have a work-related health plan.  Lack of eligibility may be due to part-time status or other factors, and not enrolling is often due to having another form of coverage, for example, through a spouse.  Almost every company, large or small, with a health plan allows the employee to enroll a spouse and children.  13% of firms offer an inducement to workers to enroll in a spouse’s plan and 16% offer such inducements to just not participate in the company’s health plan.

Health risk assessments are offered by 37% of smaller companies and 62% of larger ones, with 51% of the large employers providing an incentive for completing the HRA.  Similarly, 21% of small firms and 50% or larger ones offer biometric screenings, with 60% of larger ones giving an incentive for participation and 15% rewarding or penalizing employees for specific outcomes on the tests.  52% of small companies and 82% of larger ones offer at least one wellness program and 35% of the large companies offer incentives for involvement in wellness, but the incentives generally are relatively small.  74% of large companies pay for telemedicine services; 76% for care received at a retail clinic and 10% have an onsite health clinic, with most of those who do allowing that clinic to be used for non-work-related medical care.  17% of large firms use a high-performance or tiered network design, while 5% offer at least one narrow-network design.  But only 3% eliminated a hospital from their network.  Can’t expect a lot better results if you aren’t willing to dump high cost providers, but then again, given the consolidation that has occurred, it is hard to eliminate them.

Kevin Roche

Author Kevin Roche

The Healthy Skeptic is a website about the health care system, and is written by Kevin Roche, who has many years of experience working in the health industry through Roche Consulting, LLC. Mr. Roche is available to assist health care companies through consulting arrangements and may be reached at khroche@healthy-skeptic.com.

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