SECTION6. WORKERANDEMPLOYERCONTRIBUTIONSFORPREMIUMS Section6 WorkerandEmployerContributionsfor Premiums 1 In 2017, premiumcontributionsbycoveredworkersaverage18%forsinglecoverageand31%forfamilycoverage. The averagemonthlyworkercontributionsare$101forsinglecoverage($1,213annually)and$476forfamilycoverage($5,714 2 annually). Coveredworkersinsmallfirms(3-199workers)havealoweraveragecontributionamountforsinglecoverage ($1,030vs. $1,289), but a higher average contribution amountforfamilycoverage($6,814vs. $5,264)thancoveredworkersin large firms(200ormoreworkers). • In 2017, coveredworkersonaveragecontribute18%ofthepremiumforsinglecoverageand31%ofthepremiumfor familycoverage[Figure6.1]. Theaveragecontributionpercentageforsinglecoveragehasremainedstableinrecent years. The averagecontributionpercentageforfamilycoverageishigherin2017thanin2012(31%vs.28%). – Coveredworkersinsmallfirmsonaveragecontributealowerpercentageofthepremiumforsinglecoverage(16% vs. 19%) andahigherpercentageofthepremiumforfamilycoverage(39%vs.28%)thancoveredworkersinlarge firms[Figure6.24]. • Workerswithsinglecoveragehaveanaveragecontributionof$101permonth($1,213annually),andworkerswith familycoveragehaveanaveragecontributionof$476permonth($5,714annually)towardtheirhealthinsurance premiums[Figures6.2,6.3,and6.4]. – TheaverageworkercontributionsinHDHP/SOsarelowerthantheoverallaverageworkercontributionforsingle coverage($1,020vs. $1,213)andfamilycoverage($4,599vs. $5,714)[Figure6.5]. • Workercontributionsalsodifferbyfirmsize. Asinpreviousyears,workersinsmallfirmsonaveragecontributealower amountannuallyforsinglecoveragethanworkersinlargefirms($1,030vs. $1,289). Incontrast,workersinsmallfirms onaveragecontributesignificantlymoreannuallyforfamilycoveragethanworkersinlargefirms($6,814vs. $5,264) [Figure 6.6]. • Theaverageworkercontributionsforsingleandfamilycoverageinsmallfirmsandforsinglecoverageinlargefirmsare similar to last year. The average worker contribution for family coverage in large firms increased from $4,719 to $5,264 [Figures 6.8 and 6.9]. 1 Estimatesforpremiums,workercontributionstopremiums,andemployercontributionstopremiumspresentedinSection6donotincludecontributions madebytheemployertoHealthSavingsAccounts(HSAs)orHealthReimbursementArrangements(HRAs). SeeSection8forestimatesofemployer contributionstoHSAsandHRAs. 2 Theaveragepercentcontributioniscalculatedasaweightedaverageofallafirm’splantypesandmaynotnecessarilyequaltheaverageworkercontribution dividedbytheaveragepremium. The Kaiser Family Foundation and Health Research & Educational Trust / Page 75