SECTION6. WORKERANDEMPLOYERCONTRIBUTIONSFORPREMIUMS DIFFERENCESBYFIRMCHARACTERISTICS • Thepercentageofthepremiumpaidbycoveredworkersalsovariesbyfirmcharacteristics. – Coveredworkersinfirmswitharelativelylargeshareoflower-wageworkers(whereatleast35%ofworkersearn $24,000ayearorless)onaveragehavehighercontributionratesforsinglecoverage(23%vs.18%)andfamily coverage(37%vs.31%)thanthoseinfirmswithasmallershareoflower-wageworkers[Figures6.22and6.23]. – Coveredworkersinfirmswitharelativelylargeshareofhigher-wageworkers(whereatleast35%earn$60,000or moreannually)onaveragehavelowercontributionratesforfamilycoveragethanthoseinfirmswithasmaller shareofhigher-wageworkers(29%vs.34%)[Figure6.23]. – Coveredworkersinlargefirmsthathaveatleastsomeunionworkersonaveragehavelowercontributionratesfor familycoveragethanthoseinfirmswithoutanyunionworkers(25%vs.30%)[Figures6.23]. – Coveredworkersinlargefirmsthatarepartiallyorcompletelyself-fundedonaveragehavelowercontribution 3 rates for family coverage than workers in large firms that are fully insured (26% vs. 35%) [Figure 6.23]. – Coveredworkersinprivatefor-profitfirmsonaveragehavehighercontributionratesforbothsinglecoverage (21%)andfamilycoverage(33%)thanworkersinpublicorganizationsandprivatenot-for-profitfirms[Figures6.22 and6.23]. 3 FordefinitionsofSelf-FundedandFully-Insuredplans,seetheintroductiontoSection10. The Kaiser Family Foundation and Health Research & Educational Trust / Page 89