The annual cost of health care for a typical American family of four covered by a mean health insurance plan sponsored by the employer , is $ 24,671 per year - up 6, 3 percent from 2014. The amount will almost certainly exceed $ 25,000 in 2016. This is after 2015 Milliman medical Index (MMI).
on 2015 Medical Index Milliman (MMI) provides a unique overview of the costs of America health care for employers and employees. Instead of just looking at the cost of employer health insurance or medical expenses of the family, the MMI takes into account the combined cost of health care sponsored by the employer, including:
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employer pays premiums to cover the family
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premiums the employee pays for coverage, and
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Out-of-pocket expenses that the employee pays for the medical care.
Cost of health care almost tripled since 01
In 2015 MMI, the total annual cost of care health to cover a typical family of four with a plan sponsored by the employer is $ 23,215. The 5.4 percent growth rate last year was the lowest in the history of the HMI. This year, the growth rate has climbed again to 6.3 percent in 2015.
Since 01, the costs for a typical family of four nearly tripled.
employees taking over health spending
According to MMI, employers continue to shift costs of health care to employees.
The total cost of employees (payroll, plus out-of-pocket medical expenses) increased by 43 percent from 2010 to 2015, while the costs of employer has increased 32 percent.
$ 24,671 on total health spending, $ 14.198 (58 percent) is paid by the employer, $ 6,408 (26 percent) is paid by the employee through payroll deductions and $ 4,065 (16 percent) is paid by the employee for medical care
Source: 2015 MMI
Source: 2015 MMI
Why rising health care costs
MMI report discusses an important influencer for increased health spending in 2015 :. pharmaceutical costs
costs of prescription drugs spiked significantly, growth of 13.6 percent from 2014 to 2015. The growth over the previous five years an average of 6.8 percent.
The report also examines the impact of the Affordable Care Act (ACA), including the impact of the 2018 Cadillac tax and growth of individual market health insurance .
Click here to read the full report in 2015 MMI.
Conclusion
As the cost of health employer-sponsored insurance continues to increase, employers are turning more costs for employees and evaluation of strategies to address the health reform. What do you stand for? Join the discussion below.
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