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Workers Paying Much More for Health Insurance Workers Paying Much More for Health Insurance

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Workers Paying Much More for Health Insurance

Workers paid as much as 121 percent more in 2009 than in 2001 for their share of employer-sponsored health insurance, the Agency for Healthcare Research and Quality reported on Wednesday.

An employee’s share of paying for health insurance rose more than either inflation or the increase in health insurance premiums overall, the federal agency found.


“Premiums for single coverage rose 61.6 percent from $2,889 to $4,669, while employee contributions rose 92.2 percent from $498 to $957,” the report reads.

“Both premiums and employee contributions for all coverage types rose much more rapidly than overall consumer prices. The annual Consumer Price Index for all urban consumers was up 21.1 percent from 2001–2009.”

The average annual premium share for workers with employee-plus-one coverage rose 121 percent from 2001 to 2009, from $1,070 to $2,363. Workers with family coverage paid just about double while those paying only for themselves paid 92 percent more.


Premiums increased over this period but not by as much, meaning employees took on a greater share of the burden. For an employee-plus-one plan, premiums rose $5,463 to $9,053 or 66 percent, while for a family plan they went up 73.5 percent, from $7,509 a year in 2001 to $13,027 a year on average in 2009.

About 60 percent of Americans under 65 get health insurance through an employer—about 157 million adults.

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