Since the Affordable Care Act implementation, the growth rate of employment-based health insurance premiums slowed in 31 states, the Commonwealth Fund said in a new report.
But according to an analysis of state trends scheduled for release Thursday, the health care-focused research organization said most employees were paying higher out-of-pocket costs for deductibles and a larger share of their premium costs.
Average employment-based deductibles in most states more than doubled from 2003 to 2013, the report said.
Many employees took a financial hit between 2010 and 2013 partly because, in every state, income growth didn’t keep pace with rising costs of health insurance.
Employment-based policyholders in 12 states were beneficiaries of at least a 3 percentage point decline in premium cost growth rates since 2010, the analysis concluded. But employees in 10 other states continued to have premium growth rates of at least 6 percent a year.
The situation in Missouri and Kansas was a bit more muddled. Cost increases in both of the states rose faster from 2010 to 2013 than from 2003 to 2010 for the total cost for single-coverage premiums, for deductible amounts, and for employees’ share of covering premium costs for family coverage.
But the study said cost increases slowed in Kansas for total family premium costs. And it recorded slower growth in employees’ premium share for single coverage in Missouri.
In general, the report said, “the recent slowdown in premium growth reflects a reduction in spending on health care services since 2009.”
It said that “changes under way in how health care is delivered and paid for may be further slowing health care cost growth.”
The full report is accessible online in the publications section at commonwealthfund.org.