Summary of Benefits
Single or family coverage
Annual Payroll Contributions
Annual employee-paid premiums
Annual Firm HSA/HRA
Annual company dollars toward health savings account or health reimbursement arrangement
Patient costs before insurances kicks in
Maximum annual costs to the patient or family
The approximate average percentage of total costs that insurance pays, or actuarial value (largely driven by deductible and OOP max).
Comparison firm count
Normalizes all plans to platinum level coverage (90% plan value) and adds payroll contributions less any HSA/HRA funds
Source: Kaiser 2018 employer survey plus proprietary employer data.