SUMMARYOFFINDINGS Withregardtodollaramounts,theaverageannualpremiumcontributionsbycoveredworkersfor2017are$1,213forsingle coverageand$5,714forfamilycoverage. Eightpercentofcoveredworkerscontribute$12,000ormoreayearforfamily coverage[FigureC].AveragecontributionamountsforcoveredworkersinHDHP/SOsarelowerforsingleandfamilycoverage thanforcoveredworkersinotherplantypes[FigureA].Coveredworkers’averagedollarcontributiontofamilycoveragehas increased74%since2007and32%since2012FigureB].Coveredworkersinsmallfirmshaveloweraveragecontributionsfor single coveragethanworkersinlargefirms($1,030vs. $1,289),buthigheraveragecontributionsforfamilycoverage($6,814vs. $5,264). Onereasonforthisvariationindollaramountsisthedifferentapproachesthatemployersusetostructureemployee contributions, particularly for family coverage. Of firms that offer family coverage, 45% of small firms and 15% of large firms providethesamedollarcontributionforsingleandfamilycoverage,whichmeansthatworkersmustpaythefulladditional premiumcosttoenrollfamilymembersintheirplan. Forty-fivepercentofsmallfirmsand75%oflargefirmsmakeahigherdollar contributionforfamilycoveragethanforsinglecoverage;1%ofsmallfirmsand4%oflargefirmsvarytheirapproachwiththeclass of the employee;andtheremaining9%ofsmallfirmsand6%oflargefirmstakesomeotherapproach. Sixteenpercentofcovered workersareinaplanthatrequiresworkerswhousetobaccotocontributemoretowardthepremium. The Kaiser Family Foundation and Health Research & Educational Trust / Page 5