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Premium Variations for Health Benefits in Small Firms: Insights from 2013 Data

This report analyzes the variation in health insurance premiums and employer contributions for single coverage among firms with fewer than 20 employees, based on data from the 2013 Kaiser/HRET Survey of Employer-Sponsored Health Benefits. Key findings show that 86% of these small firms receive itemized bills detailing per employee premium costs, revealing significant insights into health benefit offerings. Understanding these variations can help employers make informed decisions regarding health insurance options for their employees.

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Premium Variations for Health Benefits in Small Firms: Insights from 2013 Data

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  1. Exhibit 6.25Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage, 2013 Firm is charged the same or different premiums for single coverage*: Firm contributes the same or different dollar amounts for single coverage premium: *Among firms that receive a bill itemizing the per employee cost. Eighty-six percent of firms with fewer than 20 employees have at least one plan that provides a bill itemizing per employee premium costs. SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013.

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