Employee premium contributions are high relative to median income in many states. More than half of the U.S. population under age 65 -- about 158 million people -- get their health insurance through an employer. The amount that employees contribute to their employer coverage is rising faster than median income in most states. In 2017, employee premium contributions as a share of median income was 7 percent nationally. This share increased in 19 states by 0.6 percentage points or more between 2013 and 2017, meeting the Scorecard’s definition of worsening. Earlier research indicates that these higher premiums are not buying more generous health plans; deductibles are also growing in most states.
Families spending the largest amount of their income on employer premiums live in the South and Southwest. In 11 states (Arizona, Delaware, Florida, Georgia, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Oklahoma, and Texas), premium contributions were 8 percent of median income or more, with a high of 10.2 percent in Louisiana.
Learn more at scorecard.commonwealthfund.org.