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Public Policy

Employers’ Interest in the Public Exchanges for Active Employees

Currently, large employers are restricted in how they can incorporate the public exchanges into their own health care strategy; however, some employers are looking at how they can play a role.

For more information on this chart, please see the American Health Policy Institute's What CHROs Think about Employee Health Care report.

Employers’ Plans for Private Exchanges

Currently, only a few employers have moved their active population to a private exchange, and overall interest among large employers appears to be declining.

For more information on this chart, please see National Business Group on Health's Large Employers' 2017 Health Plan Design Survey report.

Public Exchange Silver Plans vs. Large Employer CDHPs

Beyond subsidized premiums, employer plans tend to have lower out-of-pocket costs for employees and their families – including deductibles and out-of-pocket maximums.

 

For more information on this chart, please see our Large Employers’ 2017 Health Plan Design Survey.

State and Local Paid Sick Leave Laws

A number of states and localities have now passed paid sick leave laws. Each state and local have different rules, regulations and reporting requirements in place, increasing the burden on multi-state employers.


For more information on this chart, please see our Local Paid Sick Leave Laws analysis.

Employers’ Confidence in Private Exchanges

Employers are confident that private exchanges will be able to offer better choice of plans and comply with regulations. Employers were less confident about private exchanges’ ability to control costs.


For more information on this chart, please see the National Business Group on Health's Large Employers' 2017 Health Plan Design Survey report.

Average State Public Exchange Premium Increases in 2017 for Benchmark Plans

In 2017, the average premiums in state public exchange plans saw significant increases. In some cases, premiums increased by 50% or more.

 

For more information on this chart, please see the Department of Health and Human Services Health Plan Choice And Premiums In The 2017 Health Insurance Marketplace report.

Percentage of Employers that will be Subjected to the Excise Tax

A greater percentage of employers will be subjected to the excise tax every year. By 2020, it is projected that the majority of large employers will have plans that exceed the excise tax.

For more information on this chart, please see National Business Group on Health's Large Employers' 2017 Health Plan Design Survey report.

Status of the Public Exchanges

People are continuing to obtain coverage through the public exchanges. Many plans in the public exchanges continue to see unsustainable premium increases with large deductibles.


For more information on this chart, please see the Department of Health and Human Services’ Health Insurance Marketplaces 2016 Open Enrollment Period: Final Enrollment Report.

Declining Number of Carriers Participating in Public Exchanges

The number of carriers participating in each market continues to decrease, resulting in more areas only having one carrier participating.


For more information on this chart, please see our Experts Predict Sharp Decline in Competition Across the ACA Exchanges.

Source of Insurance (among 18-65 year olds)

More than two-thirds of Americans of working age, obtain private health insurance. The most common method for this is through employer-sponsored coverage.

 

For more information on this chart, please see the data from the National Health Interview Survey.

Can't find what you need, please contact us at benchmarking@businessgrouphealth.org.