Meanwhile, the average deductible is roughly $1,669 among workers subject to an annual deductible, which must be met before insurance kicks in. That’s about the same as last year, but up 68% over the past 10 years.
Employers realize their plans aren’t very affordable, especially for lower-paid workers, said Gary Claxton, senior vice president at Kaiser. But they also don’t believe they have a way of offering good benefits at a substantially lower price.
“They do know these plans are expensive and hard for their employees to use,” Claxton said. “Given the cost of health care in this country, it’s pretty difficult to fashion good benefits at a lower cost for employees, particularly those at a lower and moderate wage.”
Firms told Kaiser that they’ve seen an increase in employees seeking mental health and substance abuse services since the outbreak began. Companies with at least 1,000 workers saw the biggest spike: a 38% jump.
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