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Employers Push Health Care Costs onto Employees, Business and Industry Trends Analysis

As employers face continued growth in health care costs, they are shifting more of the burden onto employees. According to the Kaiser Family Foundation, for 2023 (the latest data available) employees were paying, on average, $6,575, or 27% of the total premium, as their share of the cost of covering a typical family (in addition to the $17,393 paid on average by the employer).

The Foundation also reported that 88% of covered workers were responsible for a general deductible in 2023, up from only 47% in 2009. The average single deductible was $1,735 in 2023 (compared to $735 in 2008). This means that covered employees are facing a multi-faceted burden: 1) a very expensive personal contribution to the total annual coverage premium, 2) a high deductible that must be met before insurance kicks in, plus 3) costly co-pays (often 20% or more) for most instances of doctor visits, lab or hospital services and pharmacy prescriptions.

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