Group health care plan costs to rise 6.3% in 2013: Aon Hewitt
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Group health care plan costs are expected to jump by 6.3% on average in 2013 after a relatively modest 4.9% increase this year, according to new research released by Aon Hewitt.
The average group health care plan cost per employee is projected to rise to $11,188 per employee next year, according to an analysis released Wednesday by Lincolnshire, Ill.-based Aon Hewitt. Costs include employer and employee premium contributions, but not employee out-of-pocket costs, such as copayments and coinsurance.
Aon Hewitt's findings, which are based on health care plans offered by 466 employers, are consistent with other research. For example, the Kaiser Family Foundation reported last month that premiums for family health insurance coverage rose just 4% on average in 2012.
Other findings include:
• The average employee premium contribution for coverage in 2012 was $2,204, up 5.5% from 2011.
• Employees' out-of-pocket costs averaged $2,200 in 2012, up 6.2% from the prior year.
• By plan design, premium costs rose the most for health maintenance organizations, where costs in 2012 increased by an average of 5.5% to $10,659 per employee. For point-of-service plans, premium costs increased by an average of 3.8% to $11,062 per employee, while for preferred provider organizations, premium costs increased by an average of 4.7% to $10,433 per employee.
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