Employee contributions to healthcare plans have risen 134 percent over the past decade because midsize and large companies have been increasing deductibles, reducing dependent subsidies and streamlining coverage, a new report says.
Workers paid an average of $4,700 toward their health insurance this year, up from $2,001 in 2005, says
Aon Hewitt, a human-resource firm based in Lincolnshire, Ill.
The figure for this year includes $2,490 paid toward insurance premiums and another $2,208 for such out-of-pocket costs as copayments, coinsurance and deductibles, according to the firm's annual survey.
The 2005 amount includes payments for both premiums and other costs, the report says.
The survey shows that 38 percent of the employers surveyed by the company raised their healthcare costs in the past year — both copays and deductibles — while another 46 percent are expected to follow suit in the near future.
In addition, 18 percent of companies surveyed are cutting subsidies for covered dependents, while 17 percent are adding surcharges for adult dependents who have other health coverage.
And 43 percent or companies are considering whether to begin using "unitized pricing," in which employees pay per person, instead of individual versus family coverage.
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