Employee Shares of Health Premiums Mixed

Employer-sponsored health insurance covers about 149 million Americans, or 56.2 percent of non-elderly citizens, according to the Kaiser Family Foundation.

The average annual premium for employer-sponsored health insurance in 2012 was $5,615 for single coverage, an increase of 3 percent compared with 2011. For family coverage, the average annual premium in 2012 was $15,745, a rise of 4 percent compared with 2011.

“The growth in premiums has outpaced increases in both workers’ wages (1.7% since 2011 and 33% since 2002) and inflation (2.3% since 2011 and 28% since 2002),” according to the annual survey conducted by the Kaiser Family Foundation and the Health Research & Educational Trust.

The share of the premiums contributed by employees varies widely. For single coverage, 61 percent of covered workers must make a contribution of less than or equal to 25 percent of the total premium. And for family coverage, 43 percent of covered employees participate in plans that require them to make a contribution of less than or equal to 25 percent of the total premium.