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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. Section 3: Employment-Based Health Insurance. Availability of Coverage.

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Section 3: Employment-Based Health Insurance

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  1. 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 Section 3: Employment-Based Health Insurance

  2. Availability of Coverage

  3. Percent of Minnesota Business Establishments Offering Health Insurance Coverage *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.

  4. Percent of Minnesota Employees Working for an Establishment That Offers Health Insurance *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.

  5. Percent of Minnesota Employers Offering Health Insurance, by Firm Size, 1996/1997 & 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.

  6. Percent of Minnesota Employees in Establishments That Offer Health Insurance, by Firm Size, 1996/1997 & 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.

  7. Percent of Employees Eligible for Health Insurance, by Firm Size, 1996/1997 & 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.

  8. Percent of Eligible Employees Who Enroll in Coverage (Take-up Rate), by Firm Size, 1996/1997 & 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.

  9. Trends in Eligibility, Take-up and Coverage in Firms That Offer Health Insurance Among Employees in Establishments that Offer Coverage “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.

  10. Cost of Coverage & Cost Sharing

  11. Average Annual Health Insurance Premiums in Minnesota *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.

  12. Average Annual Health Insurance Premiums in Minnesota for Single Coverage, by Firm Size *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.

  13. Average Annual Health Insurance Premiums in Minnesota for Family Coverage, by Firm Size *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.

  14. Average Annual Employee and Employer Contribution to Premiums in Minnesota Single Coverage *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.

  15. Average Employer and Employee Shares of Premiums in Minnesota *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.

  16. Percent of Enrollees Whose Employer Pays 100 Percent of Premium for Single Coverage *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.

  17. Percent of Enrollees Whose Employer Pays 100 Percent of Premium for Family Coverage 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.

  18. Distribution of Enrollment by Employer Contribution, 2009/2010 Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.

  19. Percent of Enrollees in a Health Plan with a Deductible, 2010/2011 Source: MDH analysis of data for private employers from the Medical Expenditure Panel Survey/IC Component.

  20. 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 Additional Information from the Health Economics Program Available Online

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