SECTION1. COSTOFHEALTHINSURANCE PREMIUMCHANGESOVERTIME • Theaveragepremiumforsinglecoverageis4%higherthanthesinglepremiumlastyearandtheaveragepremiumfor familycoverageis3%higherthantheaveragefamilypremiumlastyear[Figure1.10]. – Theaveragepremiumsforsingleandfamilycoveragehavegrownatthesamerate(19%)since2012. – Theaveragefamilypremiumsforbothsmallandlargefirmshaveincreasedatsimilarratessince2012(15%for smallfirmsand20%forlargefirms). Forsmallfirms,theaveragefamilypremiumrosefrom$15,253in2012to $17,615in2017. Forlargefirms,theaveragefamilypremiumrosefrom$15,980in2012to$19,235in2017[Figures 1.11and1.12]. – The$18,764averagefamilypremiumin2017is19%higherthantheaveragefamilypremiumin2012and55% higherthantheaveragefamilypremiumin2007[Figure1.10]. The19%familypremiumgrowthinthelastfive yearsissmallerthanthe30%growthbetween2007and2012,orthe51%premiumgrowthbetween2002and 2007[Figure1.13]. – Theaveragefamilypremiumsforbothsmallandlargefirmshaveincreasedatsimilarratessince2007(49%for smallfirmsand57%forlargefirms). Forsmallfirms,theaveragefamilypremiumrosefrom$11,835in2007to $17,615in2017. Forlargefirms,theaveragefamilypremiumrosefrom$12,233in2007to$19,235in2017[Figures 1.11and1.12]. • Forcoveredworkersinlargefirms,overthelastfiveyears,theaveragefamilypremiuminfirmsthatarefullyinsuredhas grownatasimilarratetotheaveragefamilypremiumforcoveredworkersinfullyorpartiallyself-fundedfirms(16%for fully insured plans and 21% for self-funded firms) [Figure 1.14]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 33