Employers are likely aware of the contributions they make to their employees employer benefits of the plan, but are they fully aware of the magnitude of the costs of group health insurance? 
Health Coverage current group costs
When employers purchase a health coverage plan to cover their workers and dependents, this coverage is called "health insurance employer-sponsored" or "group health insurance." Although the costs for each employer based on different-support, provider network, location, plan coverage and structure and the number and demographics of employees covered-trends and averages can help shed light on the true costs for employers.
Foundation's2015 the Kaiser Family Health Benefits Survey employer was an increase of 4 percent in 2014 in the average premium rate for individual and family coverage. the average individual coverage premium in 2015 was $ 6,251 per year ($ 521 per month) and the average premium family coverage was 17,545 $ annually ($ 1,462 per month).
Of the 57 percent of employers offered health benefits to some or all employees in 2015, they paid on average 83 percent of the premium for single coverage ($ 5,179 per year) and 72 percent of the premium for family coverage ($ 12,591 annually). Whereas in terms of hourly wages, March 1, 2016 report US Bureau of Labor Statistics found that in the private sector, the average cost of health insurance benefits paid by employers for each employee equaled $ 2.44 per hour worked.
Future coverage rates should increase
premiums continue to steadily increase each year at a faster pace than the wages of workers. From 05 to 2015 the average annual bonus for families increased by 61 percent. The so-called tax a tax -Created Cadillac Affordable Care Act (ACA) on high-cost health coverage plans that will take effect in 2018, will charge 40 percent on individual plans with higher premiums or plan to $ 10.0 families with higher premiums than $ 27,500. According to the Survey Trend 2015 Wells Fargo employee benefits, 52 percent of all employers are concerned about exposure to this tax given the current structure of their plan.
Conclusion
to mitigate rising health insurance costs, employers have adopted a number of practices, including the purchase of health plans with deductibles high and adding wellness programs to help employees maintain or improve their health. Another option for employers to consider is to contribute a fixed amount for their employees to purchase individual health insurance market. Often this can be a win-win outcome for employers and employees. This allows employees to choose the plan and the premium that best fits their situation healthwise and financially. It also gives employers the opportunity to pay what they can afford, instead of paying premiums that are determined by the health insurance company.
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