Health: Health InsuranceStatistic # 2130According to data from the 2007 National Study of the Changing Workforce, the average number of paid vacation days offered to older employees (16.5 days) is higher than the average either for employees at midlife (14.5 days) or young employees (9.5 days). Higher percentages of employees at mid-life (81%) and older (79%) workers report that they have access to personal health insurance paid in part or full by their employers, compared to 66% of younger workers. (fig. 6, p. 5)  Shen, C., Pitt-Catsouphes, M., & Smyer, M. A. (2007). Today's multi-generational workforce: A proposition of value (Issue Brief No. 10). Chestnut Hill, MA: Boston College Center on Aging & Work/Workplace Flexibility. Retrieved from http://agingandwork.bc.edu/documents/IB10_MultiGenValue.pdf This Issue Brief uses a lens of “human capital costs and benefits” to examine the work experiences of young employees (aged 18-30 years), employees at mid-life (31-49 years), and older employees (50 years and older). Many of the findings discussed in this Issue Brief are the result of new analyses completed using information gathered from the wage and salaried workers (N = 2,785) who responded to the 2002 National Study of the Changing Workforce (NSCW). 25% of the respondents who provided their ages were between the ages of 18-30, 48% were between the ages of 31-49, and 27% were 50 years or older. The National Study of the Changing Workforce (NSCW) is conducted every five years. It surveys large samples of the U.S. workforce to collect information about both the work and personal lives of U.S. workers. (p. 1) |
Health: Health InsuranceStatistic # 1974In a 2006 analysis of data from the Health and Retirement Survey, adults 51-61 years of age "who were uninsured at baseline had a 35 percent higher mortality rate (adjusted for risk factors) than those with private insurance from 1992 to 2002. When the outcomes were analyzed over 2-year intervals, individuals who were uninsured at the start of each interval were 43 percent more likely to have a major decline in their overall health." (p. 277) Baker, D. W., Sudano, J. J., Durazo-Arvizu, R., Feinglass, J., Witt, W. P., & Thompson, J. (2006). Health insurance coverage and the risk of decline in overall health and death among the near elderly, 1992-2002. Medical Care, 44(3), 277-282 This report presents an analysis of data from the Health and Retirement Study (HRS), a prospective study of a national sample of community-dwelling adults 51 to 61 years old from 1992 to 2002. The researchers analyzed the relationship between insurance coverage and health outcomes by examining each one at 2-year intervals between HRS interviews over the 10-year study period. |
Health: Health InsuranceStatistic # 1890A 2007 analysis of Census Bureau data shows that "Hispanics were more likely than white, black, and other races to report that they were not covered by their employer's health plan because the employer did not offer a plan. Nearly 70 percent of Hispanics reported that their employer did not offer a plan, compared with 44.8 percent of whites and 46.3 percent of blacks. Both blacks and whites were more likely than Hispanics to report that they were not eligible for health benefits and more likely to report that they chose not to be covered." (p. 20) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1889A 2007 analysis of Census Bureau data shows that "with respect to age, among workers not covered by their own employer's health plan, older workers were more likely than younger workers to have declined coverage, while younger workers were more likely than older ones to be not eligible for health benefits and to work for an employer that does not sponsor a health plan." (p. 19, Fig. 17 on p. 20)  Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1888A 2007 analysis of Census Bureau data shows "a strong correlation between age and health benefits. Younger workers are typically less likely than older workers to work for an employer that offers health benefits. They are less likely to be eligible for benefits, less likely to be covered by their own employer's health plan, and less likely to take benefits when offered." (fig. 15, p. 17) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1887A 2007 analysis of Census Bureau data shows that "slightly more than 62 percent of workers who declined coverage had other coverage, and 23 percent declined it because it was too costly." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1886A 2007 analysis of Census Bureau data shows that "among workers not eligible for [health insurance] benefits, 56.8 percent were employed part time, 18.3 percent had not completed the required waiting period, and 9.4 percent were employed on a contract or temporary basis." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1885A 2007 analysis of Census Bureau data shows that "in 2005, 50.1 percent of workers worked for an employer that did not offer health benefits to any workers. Nearly 18 percent worked for an employer that provided benefits, but were not eligible for them; and nearly one-third were offered benefits but chose not to participate." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1884A 2007 analysis of Census Bureau data shows that "the share of workers who take health benefits when they are offered (the take-up rate) was 83.5 percent in 2005, down from 87.9 percent in 1988. However, workers who decline health coverage are more likely to have coverage elsewhere (such as from another employed family member); few workers eligible for health coverage are uninsured (about 4 percent from 1995-2005)." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1883A 2007 analysis of Census Bureau data shows that "the share of workers with health benefits from their own employer (the participation rate) has ranged from about 62-68 percent since the late 1980s. In 2005, 62 percent of workers were covered." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1882A 2007 analysis of Census Bureau data shows that "in 2005, 74 percent of workers were eligible for health benefits from their own employer (the eligibility rate). Since the late 1980s, the share of workers eligible for health benefits from their own job has hovered between 74-78 percent." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1881A 2007 analysis of Census Bureau data shows that "the share of individuals working for an employer that sponsors a health plan (the sponsor rate) has hovered between 81-84 percent since the late 1980s, and in 2005 was 80.9 percent." (p. 5) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1880A 2007 analysis of Census Bureau data shows that "in 2005, 63.1 percent of workers [under the age of 65] were covered by an employment-based health plan from their own employer, 14.9 percent had coverage through an employer as a dependent, and 17 percent were uninsured. Among workers eligible for health benefits, 84.2 percent were covered by their employer, 9.8 percent had coverage through an employer as a dependent, and 4.8 percent were uninsured." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1878According to a 2007 study of employee benefits trends, only 10% of employees say they are very familiar with consumer-driven health plans* (CHDPs) but 70% of all employees say they would be very or somewhat interested in their employers offering CDHPs. (p. 40) *"Consumer-driven health plans (CDHPs).. typically have lower premiums, higher dedictubles, include Health Savings Accounts... and allow employees to choose any provider." (p. 39) Metlife. (2007). Study of employee benefits trends: Findings from the national survey of employers and employees. New York, NY: Metropolitan Life Insurance Company. Retrieved February 13, 2008 from http://www.whymetlife.com/trends/ This study summarizes the results of a national survey of 1,514 benefits decision-makers and 1,202 full-time employees concerning employee benefits, marketplace trends and their overall financial situations. |
Health: Health InsuranceStatistic # 1877According to a 2007 study of employee benefits trends, 74% of employers are not very familiar with consumer-driven health plans* (CDHPs). Companies with fewer than 50 employees are the least knowledgeable about CDHPs, with 31% describing themselves as unfamiliar with them, while 17% of companies with 5,000-24,999 employees say they are not at all familiar with the plans (p. 39) *"Consumer-driven health plans (CDHPs).. typically have lower premiums, higher dedictubles, include Health Savings Accounts... and allow employees to choose any provider." (p. 39) Metlife. (2007). Study of employee benefits trends: Findings from the national survey of employers and employees. New York, NY: Metropolitan Life Insurance Company. Retrieved February 13, 2008 from http://www.whymetlife.com/trends/ This study summarizes the results of a national survey of 1,514 benefits decision-makers and 1,202 full-time employees concerning employee benefits, marketplace trends and their overall financial situations. |
Health: Health InsuranceStatistic # 1867According to a 2007 study of employee benefits trends, 40% of companies offered medical, life, and/or dental insurance to retired employees in 2006, compared to 33% in 2005 and 28% in 2004. "A growing proportion of these companies (63% in 2006 vs. 27% in 2004) generally expect their expenditure for retiree benefits to grow over the next five years" (p. 12) Metlife. (2007). Study of employee benefits trends: Findings from the national survey of employers and employees. New York, NY: Metropolitan Life Insurance Company. Retrieved February 13, 2008 from http://www.whymetlife.com/trends/ This study summarizes the results of a national survey of 1,514 benefits decision-makers and 1,202 full-time employees concerning employee benefits, marketplace trends and their overall financial situations. |
Health: Health InsuranceStatistic # 1975An analysis of data from the 2004 Medical Expenditure Panel Survey showed that "for retirees age 65 and over, from 1998 to 2002, among firms with less than 50 employees, the availability of retiree coverage declined from 5.6 percent to 2.1 percent. Among firms with 100 to 999 employees, the decrease was from 18.7 percent to 9.2 percent. Among firms with 1,000 or more employees, the decrease (from 41.2 percent to 41.1 percent) was not significant." (p. 6) Stanton, M. W. (2004). Employer-sponsored health insurance: Trends in cost and access (Research in Action No. 17). Rockville, MD: Agency for Healthcare Research and Quality. Retrieved from http://www.ahrq.gov/research/empspria/empspria.htm This report is "based on data obtained by the Federal Agency for Healthcare Research and Quality (AHRQ) in the Medical Expenditure Panel Survey (MEPS), an ongoing series of annual surveys." (p. 1) |
Health: Health InsuranceStatistic # 1988According to analysis of data from the Agency for Healthcare Research and Quality (AHRQ), "only 13 percent of private sector establishments offered health benefits to early retirees in 2005, down from 22 percent in 1997. Furthermore, 13 percent of private-sector establishments offered health benefits to Medicare-eligible retirees in 2005, down from 20 percent in 1997." (p. 15) Fronstin, P. (2007). The future of employment-based health benefits: Have employers reached a tipping point? (Issue Brief No. 312). Washington, DC: Employee Benefit Research Institute. Retrieved from http://www.ebri.org/pdf/briefspdf/EBRI_IB_12-20073.pdf This Issue Brief examines the notion that employers have reached a tipping point over health costs and will cease offering health care benefits to their workers; data on recent trends in health benefits are presented. |
Health: Health InsuranceStatistic # 2092According to a 2007 GAO analysis of BLS and CPS data, "while the share of large employers offering health benefits remained fairly constant between 2001 and 2006 at about 98 percent, the share of small employers (with 3-199 employees) offering them dropped from 68 percent to 60 percent." (p. 17) U. S. Government Accountability Office. (2007). Employer-sponsored health and retirement benefits. Washington, DC: U.S. Government Accountability Office. Retrieved from http://purl.access.gpo.gov/GPO/LPS82868 This report is based on data from three private-sector surveys of employer-sponsored health benefits and two federal surveys that address workforce characteristics and benefits costs and participation rates, including the Current Population Survey (CPS), which is designed and administered jointly by the Bureau of the Census and Bureau of Labor Statistics (BLS), and the Mercer National Survey of Employer-Sponsored Health Plans; Mercer's 2005 database contains information from 2,122 large (over 500) and small (under 500) employers who sponsor health plans. |
Health: Health InsuranceStatistic # 2078According to a 2008 report on employer benefits, "in 2006, 13% of employers offered a consumer-driven health (CDH) plan; in 2007, that number rose to 23%; in 2008,...27% of employers offer[ed] a CDH plan." (p. 1) Aon Consulting. (2008). Aon consulting's 2008 benefits and talent survey. Chicago, IL: Aon Corporation. "More than 1,100 employers participated in the 2008 Benefits and Talent Survey." The participants were primarily senior HR leaders or benefits administrators and managers. 41% of the respondents represented organizations with 501-5,000 employees. 36% were from organizations with fewer than 500, and 22% had 5,001 or more employees. (p.2) |
Health: Health InsuranceStatistic # 2058According to a 2007 Census Bureau report on health insurance coverage, 14.2% of the population aged 45-64 and 1.5% of those 65 and older were uninsured in 2006. Among younger age groups the rates are 29.3% uninsured for ages 18-24, 26.9% for ages 25-34, and 18.8% for ages 35-44. (Table 6, p. 21) DeNavas-Walt, C., Proctor, B. D., & Smith, J. (2007). Income, poverty and health insurance coverage in the united states: 2006 (Current Population Reports No. P60-233). Washington, DC: U.S. Census Bureau. Retrieved from http://www.census.gov/prod/2007pubs/p60-233.pdf This report "presents data on income, poverty, and health insurance coverage in the United States based on information collected in the 2007 and earlier Annual Social and Economic Supplements (ASEC) to the Current Population Survey (CPS) conducted by the U.S. Census Bureau." |
Health: Health InsuranceStatistic # 2039In a 2008 survey of 500 employers, the following changes have been adopted for 2007 or 2008 for benefit cost management for their retiree health programs: changing the employer subsidy (32%); tightening eligibility requirements (31%); offering Medicare Advantage HMO/PPO options (28%); changing the plan design (24%). Newer alternatives include: eliminating subsidies for future retirees (32% are doing now or planning for 2008); offering a high-deductible health plan (HDHP) with a health savings account (HSA) to actives and retirees under age 65 to help pay for current -- or future -- health care expenses on a tax-free basis (25% doing/planning); eliminating employer-managed drug coverage for post-65 retirees and relying on Part D plans (19% doing/planning); offering Medicare Advantage private fee-for-service plans (12% doing/planning). (p.16) Towers Perrin. (2008). 2008 health care costs survey. Stamford, CT: Towers Perrin. Retrieved from http://www.towersperrin.com/tp/getwebcachedoc?webc=HRS/USA/2008/200801/hccs_2008.pdf The Towers Perrin 2008 Health Care Cost Survey, conducted in September 2007, marks the 19th consecutive year that Towers Perrin has surveyed, analyzed and reported on major trends in employee and retiree health care costs. A total of 500 employers, with operations in numerous locations nationwide, responded. Respondents are primarily Fortune 1000 companies. |
Health: Health InsuranceStatistic # 2038In a 2008 survey of 500 employers, in regard to retiree health benefits, "47% of survey respondents still provide some level of subsidy. Among employers providing a subsidy, most current retirees (96%) are eligible for subsidized coverage. But only 67% of current actives will be eligible for a subsidy when they retire, and only 48% of new hires will enjoy subsidized coverage at retirement." (p.16) Towers Perrin. (2008). 2008 health care costs survey. Stamford, CT: Towers Perrin. Retrieved from http://www.towersperrin.com/tp/getwebcachedoc?webc=HRS/USA/2008/200801/hccs_2008.pdf The Towers Perrin 2008 Health Care Cost Survey, conducted in September 2007, marks the 19th consecutive year that Towers Perrin has surveyed, analyzed and reported on major trends in employee and retiree health care costs. A total of 500 employers, with operations in numerous locations nationwide, responded. Respondents are primarily Fortune 1000 companies. |
Health: Health InsuranceStatistic # 2035In a 2008 survey of 500 employers, respondents indicated that their retirees under age 65 will contribute approximately 50% of the premium for retiree-only health coverage and 52% for family health coverage. (p. 4) Towers Perrin. (2008). 2008 health care costs survey. Stamford, CT: Towers Perrin. Retrieved from http://www.towersperrin.com/tp/getwebcachedoc?webc=HRS/USA/2008/200801/hccs_2008.pdf The Towers Perrin 2008 Health Care Cost Survey, conducted in September 2007, marks the 19th consecutive year that Towers Perrin has surveyed, analyzed and reported on major trends in employee and retiree health care costs. A total of 500 employers, with operations in numerous locations nationwide, responded. Respondents are primarily Fortune 1000 companies. |
Health: Health InsuranceStatistic # 2034In a 2008 survey of 500 employers, account-based health plans (ABHPs) were offered by approximately half (46%) of survey respondents had in 2007. A further 7% plan to implement an ABHP in 2008. (p. 1) Towers Perrin. (2008). 2008 health care costs survey. Stamford, CT: Towers Perrin. Retrieved from http://www.towersperrin.com/tp/getwebcachedoc?webc=HRS/USA/2008/200801/hccs_2008.pdf The Towers Perrin 2008 Health Care Cost Survey, conducted in September 2007, marks the 19th consecutive year that Towers Perrin has surveyed, analyzed and reported on major trends in employee and retiree health care costs. A total of 500 employers, with operations in numerous locations nationwide, responded. Respondents are primarily Fortune 1000 companies. |
Health: Health InsuranceStatistic # 2033In a 2008 survey of 500 employers, only 29% of the survey respondents say their organization plays a large/primary role in meeting postretirement health care needs for current retirees. Less than half of the companies surveyed (47%) currently subsidize retiree medical coverage for current and future retirees. (p. 1) Towers Perrin. (2008). 2008 health care costs survey. Stamford, CT: Towers Perrin. Retrieved from http://www.towersperrin.com/tp/getwebcachedoc?webc=HRS/USA/2008/200801/hccs_2008.pdf The Towers Perrin 2008 Health Care Cost Survey, conducted in September 2007, marks the 19th consecutive year that Towers Perrin has surveyed, analyzed and reported on major trends in employee and retiree health care costs. A total of 500 employers, with operations in numerous locations nationwide, responded. Respondents are primarily Fortune 1000 companies. |
Health: Health InsuranceStatistic # 2019According to a 2007 survey of approximately 2000 employers, sixty percent of employers offer health benefits in 2007, similar to the 61% offer rate reported in 2006 but lower than the 69% offer rate in 2000. The drop in the overall offer rate is driven by the declining percentage of small firms (3-199 workers) that offer coverage. Among firms with 3 to 9 workers, the offer rate has dropped from 57% in 2000 to 45% in 2007. Over this same time period, the offer rate has remained stable for firms with 200 or more workers at 98% or 99% (p. 4) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey (Kaiser/HRET) reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 2018A 2007 survey of approximately 2000 employers found that among firms offering health benefits, 3% offer a high-deductible health plan with a health-reimbursement arrangement (HDHP/HRA) and 7% offer a health savings account-qualified HDHP (HSA/HDHP). (Exhibit E). About 3.8 million (5%) covered workers are enrolled in HDHP's with Savings Options(HDHP/SO). (p. 5) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 2017A 2007 survey of approximately 2000 employers found that ten percent of firms offering health benefits offer a high-deductible health plan with a savings option (HDHP/SO) in 2007. Firms with 1,000 or more workers are more likely to offer HDHP/SOs (18%) than firms with 3 to 999 workers (10%). (p. 5) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 2016A 2007 survey of approximately 2000 employers found that nineteen percent of employers offering health benefits reported that they offer long-term care insurance, with no significant difference between the percentage of small firms (3-199 workers) and large firms (200 or more workers) offering the benefits. (p. 6) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 2015A 2007 survey of approximately 2000 employers found that 22% of firms that offer health benefits offer a flexible spending account. Large firms (200 or more workers) are more likely to offer this benefit than small firms (3-199 workers) (73% vs. 20%) (p. 6) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey (Kaiser/HRET) reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 2014A 2007 survey of approximately 2000 employers found that "sixty-one percent of firms that offer health benefits allow employees to use pre-tax dollars to pay for health insurance premiums. Large firms (200 or more workers) are more likely to offer this benefit than small firms (3-199 workers) (92% vs. 60%)." (p. 6) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey (Kaiser/HRET) reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 2013A 2007 survey of approximately 2000 employers found that "the percentage of large firms (200 or more workers) offering retiree health benefits in 2007 is 33%, similar to the 2006 offer rate of 35%. Among large firms (200 or more workers) that offer retiree health benefits, 92% offer health benefits to early retirees and 71% offer health benefits to Medicare-age retirees. These percentages are similar to the percentages reported in 2006." (p. 5-6) Kaiser Family Foundation, & Health Research and Educational Trust. (2007). Employer health benefits: 2007 summary of findings. Menlo Park, CA: Kaiser Family Foundation. Retrieved from http://www.kff.org/insurance/7672/upload/Summary-of-Findings-EHBS-2007.pdf The Kaiser Family Foundation/Health Research and Educational Trust 2007 Annual Employer Health Benefits Survey (Kaiser/HRET) reports findings from a telephone survey of 1,997 randomly selected public and private employers. Firms range in size from small enterprises with a minimum of three workers to corporations with more than 300,000 employees. |
Health: Health InsuranceStatistic # 1847Analysis of Census Bureau data shows that "in 2005, 50.1 percent of workers worked for an employer that did not offer health benefits to any workers. Nearly 18 percent worked for an employer that provided benefits, but were not eligible for them; and nearly one-third were offered benefits but chose not to participate." (p. 1) Fronstin, P. (2007). Employment-based health benefits: Access and coverage, 1988-2005 (Issue Brief No. 303). Washington, DC: Employee Benefit Research Institute. Retrieved February 28, 2008 from http://www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3789 Data for this study come from a series of supplements to the Current Population Survey (CPS) conducted by the Census Bureau. The CPS is a nationally representative survey of the civilian noninstitutionalized U.S. population. It is the primary source of data on labor force characteristics of the U.S. civilian noninstitutionalized population. The data in this report are limited to wage and salary workers ages 18-64. Self-employed workers are not included in the analysis. |
Health: Health InsuranceStatistic # 1841According to a 2006 EBRI analysis, for retirees who have access to retiree health benefits from a former employer but pay the full premium, "A 65-year-old retiring in 2006 who lives to age 80 will need $115,000 in savings to pay for health insurance premiums and out-of-pocket [health-related]expenses. In contrast, an individual who lives to age 90 will need $214,000 in savings at age 65. For a couple...using life expectancy of 82 for men and 85 for women, an average couple will need $295,000 at age 65. Were a couple instead to live to age 95, they would need $550,000." (p. 12-13) Fronstin, P. (2006). Savings needed to fund health insurance and health care expenses in retirement. (Issue Brief No. 295). Washington, DC: Employee Benefit Research Institute. Retrieved March 22, 2008 from http://www.ebri.org/pdf/briefspdf/EBRI_IB_07-20061.pdf This Issue Brief examines the cost of health insurance and health care expenses in retirement. It examines recent trends in private- and public-sector retiree health benefits and the impact of these trends on current and future retirees. It also presents options that retirees currently have to supplement the Medicare program, and provides estimates of how much those options will cost current and future retirees. |
Health: Health InsuranceStatistic # 1833According to the 2007 EBRI Retirement Confidence Survey, "even though many employers are eliminating health care coverage for future retirees, 4 in 10 workers continue to expect they will have access to employer-provided health insurance when they retire (41 percent). (Fig. 2, p. 6) Helman, R., VanDerhei, J., & Copeland, C. (2007). The retirement system in transition: The 2007 retirement confidence survey (Issue Brief No. 304). Washington, DC: Employee Benefits Research Institute. Retrieved December 8, 2007 from http://www.ebri.org/pdf/briefspdf/EBRI_IB_04a-20075.pdf These findings are part of the 17th annual Retirement Confidence Survey (RCS), a survey that gauges the views and attitudes of working-age and retired Americans regarding retirement, their preparations for retirement, their confidence with regard to various aspects of retirement, and related issues. The survey was conducted in January 2007 through 21-minute telephone interviews with 1,252 individuals (1,001 workers and 251 retirees) age 25 and older in the United States. |
Health: Health InsuranceStatistic # 1102The National Study of Employers, which surveyed workplaces with 50 or more employees, found that in 2005, 98% of employers provided health insurance coverage for full-time employees. (Table 17, p.24) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1101The National Study of Employers, which surveyed workplaces with 50 or more employees, found that in 2005, 94% of employers provided health insurance coverage for family members. (Table 17, p.24) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1100The National Study of Employers, which surveyed workplaces with 50 or more employees, found that in 2005, 38% of employers provided health insurance benefits to part-time employees. (Table 17, p.24) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1099The National Study of Employers, which surveyed workplaces with 50 or more employees, found that in 2005, 21% of employers provided health insurance coverage for unmarried partners of employees. (Table 17, p.24) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1098The National Study of Employers, which surveyed workplaces with 50 or more employees, found that “in 2005, employers are less likely (7%) to pay the entire premium for family health insurance than they were in 1998 (12%).” (Table 17, p.24) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/press/2005nserelease.html#nse “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1094The National Study of Employers, which surveyed workplaces with 50 or more employees, found that in 2005, 64% of companies offered temporary disability insurance. (Table 18, pp.24-25) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 762"Only 80 percent of the women compared with 91 percent of the men have access to health insurance through their employer. However,...the difference in the percentages of older men and women employees who have access to health insurance 'from any source' (such as being covered by a spouse’s health insurance plan) is not statistically significant (97 percent for men and 94 percent for women)." (p. 8) Center on Aging & Work / Workplace Flexibility. (2005, November). The diverse employment experiences of older men and women in the workforce. (Research Highlights No. 02).Chestnut Hill, MA: Bond, T. J., Galinsky, M. E., Pitt-Catsouphes, M., & Smyer, A. M. Retrieved July 31, 2006, from http://agingandwork.bc.edu/template_highlights “This report is the second in a series of Research Highlights published by the Center on Aging & Work/Workplace Flexibility in collaboration with the Families and Work Institute. These Research Highlights present the findings of in-depth analyses of the Families and Work Institute’s 2002 National Study of the Changing Workforce (NSCW). This report compares and contrasts the experiences of men and women, 50 and older, in the U.S. workforce. Gender is an important lens for examining the employment experiences of older workers, in part because the work and family histories of men and women tend to vary across the course of their lives…The National Study of the Changing Workforce (NSCW) is conducted every five years. It surveys large samples of the U.S. workforce to collect information about both the work and personal lives of U.S. workers.” |
Health: Health InsuranceStatistic # 705Using data from the Health and Retirement Study (HRS) to examine the experiences of retirees who were aged 51 to 61 in 1992 and therefore who were 61 to 71 in 2002, Cahill and his colleagues found, “men and women who have no health insurance on their FTC* job are most likely to take a bridge job if they leave their career job, as 78 percent of these uninsured men and 74 percent of the women did. Also, both men and women who lose health insurance coverage when leaving a FTC* job are more likely to exit the labor force completely than other workers in the sample.” (p.14)
* FTC means full-time career. The authors, define full-time career (FTC) job as “one that consists of at least 1,600 hours per year (“full time”) and that lasts ten or more years (“career”).” (p. 8) Cahill, E. K., Giandrea, D. M., & Quinn, F. J. (2005, September 29). Are traditional retirements a thing of the past? New evidence on retirement patterns and bridge jobs. Working paper. Retrieved July 18, 2006, from http://ideas.repec.org/p/boc/bocoec/626.html “This paper investigates whether permanent, one-time retirements are coming to an end just as the trend towards earlier and earlier retirements did nearly 20 years ago. We explore how common bridge jobs are among today’s retirees, and how uncommon traditional retirements have become. Design & Methods: Using data from the Health and Retirement Study (HRS), we explore the work histories and retirement patterns of a cohort of retirees aged 51 to 61 in 1992 over a ten-year time period in both a cross-sectional and longitudinal context. Bridge job determinants are examined using bivariate comparisons and a multinomial logistic regression model of the bridge job decision.” |
Health: Health InsuranceStatistic # 454According to 2002 AARP report, among the bottom 25% of income earners, 31.2% of persons aged 50-61 and 23.4% of persons aged 62-64 were without health insurance. Among the top 25% of income earners, 5.7% of persons aged 50-61 and 9.4% of persons aged 62-64 were without health insurance. Gist, J., Figueiredo, C., & Ng-Baumhackl, M. (2002, May). Beyond 50: summary tables and charts. Research report. (Table: Core indicators by age & income data). Washington, DC:AARP. . Retrieved July 15, 2005, from http://www.aarp.org/research/reference/statistics/aresearch-import-298.html "Through its analysis of both the status quo and developing trends, Beyond 50: A Report to the Nation on Economic Security provides readers with an in-depth look at the well-being of more than one-quarter of Americans - the 76 million people age 50 and older in 2000." |
Health: Health InsuranceStatistic # 419The percentage of uninsured poor persons age 50 to 64 decreased by 0.6% from 71.49% in 1988 to 71.08% in 2000. The percentage of uninsured poor males age 50 to 64 increased by 1.6% from 73.39% in 1988 to 74.60% in 2000. The percentage of uninsured poor females age 50 to 64 decreased by 2.4% from 70.29% in 1988 to 68.60% in 2000. AARP. (2002, May). Beyond 50: summary tables and charts. Research report. (Table: Health insurance and medicaid). Washington, DC: Gist, J., Figueiredo, C., & Ng-Baumhackl, M. Retrieved July 15, 2005, from http://www.aarp.org/research/reference/statistics/aresearch-import-298.html "Through its analysis of both the status quo and developing trends, Beyond 50: A Report to the Nation on Economic Security provides readers with an in-depth look at the well-being of more than one-quarter of Americans - the 76 million people age 50 and older in 2000." |
Health: Health InsuranceStatistic # 417The percentage of uninsured poor white persons age 50 to 64 decreased by 3.9% from 76.33% in 1988 to 73.32% in 2000. The percentage of uninsured poor nonwhite persons age 50 to 64 increased by 7.4% from 59.75% in 1988 to 64.20% in 2000. AARP. (2002, May). Beyond 50: summary tables and charts. Research report. (Table: Health insurance and medicaid). Washington, DC: Gist, J., Figueiredo, C., & Ng-Baumhackl, M. Retrieved July 15, 2005, from http://www.aarp.org/research/reference/statistics/aresearch-import-298.html "Through its analysis of both the status quo and developing trends, Beyond 50: A Report to the Nation on Economic Security provides readers with an in-depth look at the well-being of more than one-quarter of Americans - the 76 million people age 50 and older in 2000." |
Health: Health InsuranceStatistic # 414The percentage of uninsured nonwhite persons age 50 to 64 decreased by 0.9% from 19.93% in 1988 to 19.76% in 2000. The percentage of uninsured white persons age 50 to 64 increased by 40.4% from 9.26% in 1988 to 13.01% in 2000. AARP. (2002, May). Beyond 50: summary tables and charts. Research report. (Table: Health insurance and medicaid). Washington, DC: Gist, J., Figueiredo, C., & Ng-Baumhackl, M. Retrieved July 15, 2005, from http://www.aarp.org/research/reference/statistics/aresearch-import-298.html "Through its analysis of both the status quo and developing trends, Beyond 50: A Report to the Nation on Economic Security provides readers with an in-depth look at the well-being of more than one-quarter of Americans - the 76 million people age 50 and older in 2000." |
Health: Health InsuranceStatistic # 411The percentage of uninsured persons age 50 to 64 increased by 31.7% from 10.61% in 1988 to 13.98% in 2000. The percentage of uninsured males age 50 to 64 increased by 30.8% from 9.54% in 1988 to 12.49% in 2000. The percentage of uninsured females age 50 to 64 increased by 32.6% from 11.58% in 1988 to 15.36% in 2000. AARP. (2002, May). Beyond 50: summary tables and charts. Research report. (Table: Health insurance and medicaid). Washington, DC: Gist, J., Figueiredo, C., & Ng-Baumhackl, M. Retrieved July 15, 2005, from http://www.aarp.org/research/reference/statistics/aresearch-import-298.html "Through its analysis of both the status quo and developing trends, Beyond 50: A Report to the Nation on Economic Security provides readers with an in-depth look at the well-being of more than one-quarter of Americans - the 76 million people age 50 and older in 2000." |
Health: Health InsuranceStatistic # 355The Employee Benefits Research Institute has reported that 43 percent of workers who plan to work in retirement say they will do that in order to keep health insurance or other benefits. (p.8) Helman, R., & Paladino, V. (2004). Will Americans ever become savers? the 14th retirement confidence survey, 2004 (Issue Brief No. 268). Washington, DC: Employee Benefits Research Institute. Retrieved from http://www.ebri.org/pdf/briefspdf/0404ib.pdf “This Issue Brief reports on the findings from the 14th annual Retirement Confidence Survey (RCS), a comprehensive study of the attitudes and behaviors of American workers and retirees toward saving, retirement planning, and long-term financial security.” |
Health: Health InsuranceStatistic # 337According to a 2002 Watson Wyatt report "...for future retirees, employers on average will contribute slightly more than 40 percent of premium with 10 years of service at retirement; at 25 years of service, it rises to almost 75 percent of premium. This is dramatically lower than employers' contributions in the mid-1980's." (p.19) Roland, D. M., Janemarie, M., & Sylvester, J. S. (2002). Retiree health benefits: Time to resuscitate? (Research Report). Washington, D. C.: Watson Wyatt Worldwide. "This study documents the reasons behind our assessment of the likely evolution of employer-sponsored retiree health insurance and proposes a solution to halt the steady decline in benefits." |
Health: Health InsuranceStatistic # 1103The National Study of Employers, which surveyed workplaces with 50 or more employees, found that “only 33 percent of companies offer full or pro-rated benefits to part-time workers." (p.22) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1104The National Study of Employers, which surveyed workplaces with 50 or more employees, found that “among companies offering family health insurance, 37 percent increased employees’ premium co-pay during the preceding 2 years.” (p.22) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/press/2005nserelease.html#nse “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1710According to the 2005 National Health Interview Survey, among persons ages 18-44, 67% are covered by private health insurance and 24% are uninsured; 10% have Medicaid or other coverage. For ages 45-64, 77% have private coverage, 13% are uninsured, and 10% have Medicaid or other coverage. For persons over 65 years of age, 59% have private coverage [in addition to Medicare], 28% have Medicare only, 6.3% have both Medicaid and Medicare, and 1% are uninsured. (p. 7) Adams, P. F., Dey, A. N., & Vickerie, J. L. (2007). Summary health statistics for the U.S. population: National health interview survey, 2005. Vital and health statistics.Series 10, Data from the National Health Survey(233), 1-104. NHIS is a household, multistage probability sample survey conducted annually by interviewers of the U.S. Census Bureau for the Centers for Disease Control and Prevention's National Center for Health Statistics. In 2005, household interviews were completed for 98,649 persons living in 38,509 households, reflecting a household response rate of 86.5%. This paper reflects the survey's findings. |
Health: Health InsuranceStatistic # 1699A study evaluating the relationship between health, work environment, and retirement-related job lock finds that "over half of all respondents over the age of 55 [who experienced a workplace injury] reported that they would like to leave work altogether but could not due to financial or health benefits constraints (job lock)." (p. 8) Katy, L. B., Pransky, G., & Savageau, J. A. (n.d.) Factors associated with retirement-related job lock in older workers with recent occupational injury [unpublished manuscript]. "Workers completed a mailed, self-report survey about their pre- and post-injury health and functioning, work environment, and retirement plans. Bivariate and multivariate analyses determined those factors associated with retirement-related job lock. A total of 1,524 (51%) questionnaires were returned. Overall response rate, excluding those who could not be contacted or were found to be ineligible for the study, was 53%." |
Health: Health InsuranceStatistic # 1649According to a 2007 national survey,17.1% of the employers reported offering health insurance to families of part-time employees. (p. 12) Pitt-Catsouphes, M., Smyer, M. A., Matz-Costa, C., & Kane, K. (2007). The national study report: Phase II of the national study of business strategy and workforce development (Research Highlight No. 04). Chestnut Hill, MA: The Center on Aging & Work/Workplace Flexibility. Retrieved August 22, 2007 from http://agingandwork.bc.edu/documents/RH04_NationalStudy_03-07_004.pdf The National Study of Business Strategy and Workforce Development is a 2007 study carried out by The Center on Aging & Work/Workplace Flexibility at Boston College. Human resource professionals at 578 non-governmental organizations with 50 or more employees completed a survey about their organization's response to the aging workforce. At these organizations, approximately three-fourths of the employees were full-time, almost half were women and one-third were members of a racial/ethnic minority group. |
Health: Health InsuranceStatistic # 1648According to a 2007 national survey, more than 20% of the employers reported that health-related benefits are available to "all" employees, including individual health insurance (41.9%), health insurance for families of full-time employees (53.9%), dental insurance (37.8%), paid sick days or paid medical leaves (37.9%), short-term disability insurance (38.1%) and long-term care insurance (27.0%). (p. 12) Pitt-Catsouphes, M., Smyer, M. A., Matz-Costa, C., & Kane, K. (2007). The national study report: Phase II of the national study of business strategy and workforce development (Research Highlight No. 04). Chestnut Hill, MA: The Center on Aging & Work/Workplace Flexibility. Retrieved August 22, 2007 from http://agingandwork.bc.edu/documents/RH04_NationalStudy_03-07_004.pdf The National Study of Business Strategy and Workforce Development is a 2007 study carried out by The Center on Aging & Work/Workplace Flexibility at Boston College. Human resource professionals at 578 non-governmental organizations with 50 or more employees completed a survey about their organization's response to the aging workforce. At these organizations, approximately three-fourths of the employees were full-time, almost half were women and one-third were members of a racial/ethnic minority group. |
Health: Health InsuranceStatistic # 1605In the 2007 National Study of Business Strategy and Workforce Development, "only 36.7% of employers reported that their organizations had assessed the variance in health care costs by age of employees." (p. 21) Pitt-Catsouphes, M., Smyer, M. A., Matz-Costa, C., & Kane, K. (2007). The national study report: Phase II of the national study of business strategy and workforce development (Research Highlight No. 04). The National Study of Business Strategy and Workforce Development is a 2007 study carried out by The Center on Aging & Work/Workplace Flexibility at |
Health: Health InsuranceStatistic # 1571Costs for the five most expensive mandates are shown to raise the health care costs of workers under 35 years of age.* "For every percentage point increase in health care costs for a mandate, the probability of men’s employment drops 1.39 percentage points. Women’s employment is not significantly affected." (p. 4)  *The figure uses Medstat costs of claims for mandated services. These are indexed against the highest cost that any age group experienced for mandated services within a state. The indexed for the states are then averaged. Lahey, J. (2007). Does health insurance affect the employment of older workers? (Issue Brief No. 08). This issue brief confirms that health insurance costs are one factor affecting firms’ employment decisions." |
Health: Health InsuranceStatistic # 1570A 2007 analysis of MedStat insurance data from 100 companies shows that "the costs of claims* increase with the age of the insured. The average costs of claims rise every 10 years for men from age 45 on and for women from age 35." (p.3)  *The data in this figure represent actual costs of claims filed from 2001 to 2003 by employees from the Medstat sample of more than 100 self-insuring firms. The costs are indexed against the highest cost for an age group within a state for each year to simplify the comparison of age-related costs across states and time. These are costs paid by insurance companies and do not include copayments Lahey, J. (2007). Does health insurance affect the employment of older workers? (Issue Brief No. 08). "This issue brief confirms that health insurance costs are one factor affecting firms’ employment decisions." |
Health: Health InsuranceStatistic # 1569"According to data available from Blue Cross/Blue Sheild (BC/BS), as a person grows older, it cost more for him/her to buy a BC/BS plan outside of employment."  Lahey, J. (2007). Does health insurance affect the employment of older workers? (Issue Brief No. 08). This issue brief confirms that health insurance costs are one factor affecting firms’ employment decisions. The graph is based on premiums that Blue Cross Blue Shield (BC/BS) quoted in 22 states for its lowest-cost plan for a non-smoker, without coverage for dependents. |
Health: Health InsuranceStatistic # 1527According to analysis of the National Study of the Changing Workforce, 89% of workers aged 50 or older who are self-employed independents have personal health insurance from any source, compared to 95% of wage and salaried employees. Among small business owners, 92% have personal health insurance coverage. (fig. 2, p. 5)  Bond, T. J., Galinsky, M. E., Pitt-Catsouphes, M., & Smyer, M. (2005). Context matters: Insights about older workers from the national study of the changing workforce. “This report is the first in a series of Research Highlights published by the Center on Aging & Work/Workplace Flexibility in collaboration with the Families and Work Institute that present the findings of in-depth analyses of the Families and Work Institute’s 2002 National Study of the Changing Workforce (NSCW). This first issue compares the personal characteristics, employment experiences, and attitudes of workers, 50 or more years old, who are wage and salaried employees, independent self-employed workers, and small business owners…The National Study of the Changing Workforce (NSCW) is conducted every five years. It surveys large samples of the U.S. workforce to collect information about both the work and personal lives of U.S. workers.” |
Health: Health InsuranceStatistic # 1522“Workers 50-65 who plan to retire by age 65 (65%) were more likely than other respondents to identify the need for health benefits. In fact, the need for health benefits was the issue that workers 50-65 who plan to retire by age 65 named more frequently than any other issue as a major reason for considering work in retirement", according to a 2005 AARP report. (p. 7) Brown, S. K. (2005). Attitudes of individuals 50 and older toward phased retirement (research report). Washington, D.C.: AARP Knowledge Management. Retrieved 10/21/2007, from http://www.aarp.org/research/work/retirement/Articles/attitudes_of_individuals_50_and_older_toward_phase.html "This survey of individuals ages 50 and older was designed to gauge reactions to the concept of phased retirement as outlined and to determine the extent to which phased retirement would encourage workers near traditional retirement age to remain in the workforce longer than they would have otherwise...Conducted from January 6th through January 15th 2005, the survey was fielded to panel members who were ages 50 or older...A total of 2,167 individuals participated in the survey. Of all respondents, approximately one-third were workers between the ages of 50 and 65 who plan to retire by age 65, about one-quarter were workers between the ages of 50 and 65 who plan to continue working beyond age 65, approximately one in ten were workers ages 66 or older, and the remaining one-quarter were individuals ages 50 or older who are currently retired." |
Health: Health InsuranceStatistic # 1265"The proportion of employees covered by employer-sponsored medical care plans in private industry has fallen gradually over the last decade. In March 2003, 45 percent of employees had elected medical care coverage, down from 63 percent in 1992-3." Bureau of Labor Statistics. (2003, September). Health care plans in 2003. Retrieved February 2, 2007, from http://www.bls.gov/opud/ted/2003/sept/wk5/art02.htm "These data are from the BLS National Compensation Survey program. Learn more in Employee Benefits in Private Industry, 2003 (PDF) (TXT), news release USDL 03-489." |
Health: Health InsuranceStatistic # 1108The National Study of Employers, which surveyed workplaces with 50 or more employees, found that “ninety-five percent of companies with 50 or more employees offer personal health insurance coverage for full-time employees.” (p.23) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1107The National Study of Employers, which surveyed workplaces with 50 or more employees, found that “…organizations offering personal health insurance, 24 percent pay all of the premium, 74 percent pay some of the premium, and 2 percent pay none of the premium.” (p.22) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/press/2005nserelease.html#nse “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1106The National Study of Employers, which surveyed workplaces with 50 or more employees, found that “among companies offering personal health insurance, 40 percent increased employees’ premium co-pay during the preceding two years.” (p.22) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved August 02, 2006, from http://familiesandwork.org/press/2005nserelease.html#nse “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 1105The National Study of Employers, which surveyed workplaces with 50 or more employees, found that in regards to health insurance “eighty-eight percent of companies offer family coverage, with only 9 percent of these paying all of the premium for family members, another 68 percent paying part of the premium, and 23 percent paying none of the premium.” (p.22) Families and Work Institute. (2005, September).2005 National Study of Employers. New York, NY: Bond, T. J., Galinsky, E., Kim, S. S., & Brownfield, E. Retrieved October 18, 2007, from http://familiesandwork.org/eproducts/2005nse.pdf “Families and Work Institute’s 2005 National Study of Employers (NSE) is one of the most comprehensive and far-reaching study of the practices, policies, programs and benefits provided by U.S. employers to address the changing needs of today’s workforce and workplace…will provide ongoing measurements of employer work life benefits, policies, and practices. In 2005, it was redesigned to include a nationally representative sample of employers with 50 or more employers…The 2005 NSE sample included 1,092 employers with 50 or more employees-66 percent are for-profit companies and 34 percent are nonprofit organizations; 44 percent operate at only one location, while 56 percent have operations at more than one location.” |
Health: Health InsuranceStatistic # 336The Health Confidence Survey (HCS) found that "...60 percent of workers who expect to receive both retiree benefits and to retire before age 65 would not retire before becoming eligible for Medicare if their former employer or union did not provide retiree health benefits."(p. 2) Employee Benefit Research Institute. (2002, September 25). 2002 Health confidence survey: confidence & satisfaction in health care system show little change over time, but Americans still worry about its future. (News Release). Washington, DC: Christensen, R., Fronstin, P., Jaffe, J. “This year’s HCS is the fifth round of an annual survey to assess attitudes regarding the U.S. health care system...the 2002 HCS finds: Americans are more likely now than in 1998 to identify health care as a critical national issue, and more are dissatisfied now than in 1998 with the costs of health insurance and health care not covered by insurance." |
