Employer Health Benefits Survey: Key Insights and Trends
Summary:
The Kaiser Family Foundation (KFF) has conducted the annual Employer Health Benefits Survey since 1999, tracking trends in health insurance coverage and costs for private and non-federal public employers with three or more workers. In 2025, the methodology was updated to include firms with 10 or more employees, impacting employer-weighted estimates. This survey provides critical data on health benefits, offering insights into employer-provided coverage, cost-sharing, and emerging health insurance trends. Understanding these trends is essential for employers, policymakers, and employees navigating the evolving healthcare landscape.
What This Means for You:
- Evaluate Your Health Plan: Benchmark your employer-provided health benefits against national trends to ensure competitiveness and employee satisfaction.
- Plan for Rising Costs: Anticipate and budget for potential increases in health insurance premiums and cost-sharing measures.
- Stay Informed: Use survey data to advocate for better health benefits or negotiate coverage terms with your employer.
- Watch for Future Changes: Prepare for shifts in the healthcare market, such as new regulations or employer strategies to manage costs.
Original Post:
KFF has conducted this annual survey of private and non-federal public employers with three or more workers since 1999. The survey tracks trends in employer health insurance coverage, the cost of that coverage, and other topical health insurance issues. Findings are based on a nationally representative survey of public and private employers with ten or more employees, including those who respond to the full survey and those who indicate only whether or not they provide health coverage.
The archive includes surveys conducted in partnership with the Health Research and Education Trust through 2017 and a small business supplement of the 1998 survey conducted by KFF. Access each report below.
NOTE: In 2025, the sample was updated to firms with 10 or more employees, therefore removing firms with 3-9 workers. This methodological change most noticeably impacts employer-weighted estimates, such as the firm offer rate statistic. However, historical estimates of other key statistics may differ slightly compared to previous reports. For more information, see the Survey Design and Methods Section in the 2025 Report.
2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012
NOTE: In 2011, our methodology for calculating employer weights was updated. Statistics such as the percentage of firms offering health benefits or the percentage of firms offering retiree coverage are updated in the preceding reports. Statistics based on the percentage of covered workers were not affected by this change. Most changes were not statistically different. For more information, see the Survey Design and Methods Section in the 2011 Report.
2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004
NOTE: In 2003, our methodology for calculating weights was updated. New estimates for many statistics published in 1999-2002 are available in the preceding reports. Most changes were not statistically different. For more information, see the Survey Design and Methods Section in the 2003 Report.
2003 | 2002 | 2001 | 2000 | 1999 | 1998
The survey was previously conducted by KPMG from 1991–1998 and the Health Insurance Association from 1987–1991.
Extra Information:
For further insights, visit the KFF Health Costs Section to explore detailed analyses of healthcare expenses. Additionally, the KFF Mental Health Resources provide valuable context on the intersection of mental health and employer benefits. These resources complement the Employer Health Benefits Survey by offering a broader understanding of healthcare trends and their implications.
People Also Ask About:
- What is the significance of the Employer Health Benefits Survey? It provides critical data on employer-provided health insurance trends, helping stakeholders make informed decisions.
- How often is the survey conducted? The survey is conducted annually, with data published each year.
- What changes were made to the 2025 survey methodology? The sample was updated to include firms with 10 or more employees, excluding smaller firms.
- How do employer health benefits impact employees? They influence employee satisfaction, retention, and financial well-being by reducing out-of-pocket healthcare costs.
- What are the key trends in employer health benefits? Rising premiums, increased cost-sharing, and a focus on mental health coverage are notable trends.
Expert Opinion:
The Employer Health Benefits Survey is an indispensable resource for understanding the evolving dynamics of employer-provided health insurance. As healthcare costs continue to rise and employee expectations shift, employers must adapt their benefits strategies to remain competitive and support workforce well-being.
Key Terms:
- Employer Health Benefits Survey
- Health Insurance Trends 2025
- Employer Health Coverage Costs
- Employee Health Benefits Analysis
- Workplace Health Insurance Insights
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