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Health Benefit Cost Per Worker Almost $6,900: Study

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The average annual health plan cost per employee is $6,881 (medical only coverage), with an average employee cost of $3,110 and an average employer cost of $3,771 per employee, according to a survey by United Benefit Advisors.

UBA, Indianapolis, an alliance of 142 benefit advisory firms, today released those results from its third annual employer-sponsored health plan benchmark survey, covering more than 16,000 health plans sponsored by almost 12,000 employers.

Among the survey’s other findings:

Average premiums for all plans were $347 for single coverage and $848 for family (a weighted average of all non-single coverages).

32.7% of all plans required no employee contributions, and 8.3% required no family contributions.

Of plans requiring contributions, employees contributed an average of 26.6% of premium or $90 for single coverage and 46.8% or $385 for family coverage.

Average premiums increased 7.2% for all plans (after any plan adjustments) vs. 8.6% last year.

Consumer-driven plans (plans with an health reimbursement or health savings account) now represent 8.8% of all plans offered by employers, versus 5.8% last year; with 6% of all covered employees now enrolled in such plans, up from 3.4% last year).

Most of the increased adoption of consumer-driven plans continues to come from employers with under 1,000 employees, with the highest segment being employers with 25-100 employees.