Ilovebenefits’s Blog

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The Cost of Health Insurance

Editor’s note: The following will give you an idea of what the ‘premium’ cost of health care is for various plan types. This doesn’t include what people pay at the time of service in terms of copays, deductibles or coinsurance.


The cost of insuring a family of four with an employer-sponsored health plan in the United States averaged $12,298 in 2008. The annual premium for covering an employee and one family member, known as an “employee-plus-one” plan, averaged $8,535, while the annual premium for a plan that only covered the employee averaged $4,386. Almost 20 million of the 62.5 million workers enrolled in employer-based insurance in 2008 had family plans, while about 11 million had employee-plus-one plans. The 31.5 million remaining workers had single-coverage plans. [Source: Agency for Healthcare Research and Quality, MEPS Statistical Brief #251: Employer-Sponsored Single, Employee-Plus-One, and Family Health Insurance: Selection and Cost, 2008 .]


August 5, 2009 - Posted by | healthcare | , ,

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