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Shifting Costs to Workers: Increased Premiums and Cost-Sharing in Employer-Sponsored Insurance

This report highlights the rising premiums and cost-sharing in employer-sponsored health insurance, particularly impacting low-income workers. Findings include reasons for insurance loss, likelihood of taking COBRA offers, and low confidence in future health coverage and quality care.

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Shifting Costs to Workers: Increased Premiums and Cost-Sharing in Employer-Sponsored Insurance

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  1. Cost Shifts to Workers: Increased Premiums and Cost-Sharing Percent nonelderly with employer-sponsored insurance * Premiums increased more than a little. Increased cost-sharing includes cuts in benefitsor higher deductibles or copayments. Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.

  2. Low-Income Workers Are Most Likely toExperience Increases in Premiums and Cost-Sharing Percent nonelderly with employer-sponsored insurance * Increased cost-sharing includes an increase in deductibles, copayments, or cuts in benefits. Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.

  3. Previous Sources of InsuranceBefore Losing Coverage, Adults 19–64* * Bases: Among respondents who were uninsured at some point during the year. Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.

  4. Reasons for Losing Insurance in 2001,Adults 19–64* Other 15% Premiums not affordable 10% Job loss 52% Ineligible for family coverage 11% Became ineligible for public insurance 12% * Bases: Among respondents who were uninsured at some point during the year. Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.

  5. Likelihood of Taking a COBRA Offerwith or Without a Subsidy, by Income Percent nonelderly with employer-sponsored insurance * With subsidy, premium is $50/month for individual coverage; $150/month for family coverage. Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.

  6. Confidence in Future Health Coverage and Ability to Get Quality Health Care Is Lowest for Low-Income Workers Percent nonelderly with employer-sponsored insurancewho are “very” confident: Source: The Commonwealth Fund 2002 Workplace Health Insurance Survey.

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