CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Businesses & Jobs

Housing & Homeownership

Health Care

Education

CFED Assets & Opportunity Scorecard

Employee Share of Premium

Definition

Percentage of average employee contribution to family premiums for employer-based health insurance, 2010.

Description

The majority of Americans get their health insurance through programs offered by their employers. However, employees must still share the burden of paying for that coverage through health care premiums. As the cost of providing health care rises, many employers (especially small employers) must shift a greater share of the premium costs to employees. In fact, research from the Kaiser Family Foundation found that between 1998 and 2008, the cost of health insurance premiums in employer-sponsored health insurance programs rose almost four times as much as wages, an increase of 119% compared to 34%, respectively. As the cost of premiums increase, more employees may find it harder to continue to pay for coverage. 

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Employee Share of Premium

StatePercent of
Employee Contribution (%)
Rank
United States  27.0%   
Alabama  30.3%  45 
Alaska  21.6% 
Arizona  29.8%  41 
Arkansas  33.6%  51 
California  27.8%  30 
Colorado  27.0%  26 
Connecticut  25.7%  20 
Delaware  29.1%  40 
District of Columbia  25.1%  16 
Florida  31.2%  48 
Georgia  28.2%  35 
Hawaii  26.2%  23 
Idaho  32.5%  50 
Illinois  26.7%  24 
Indiana  24.9%  15 
Iowa  28.6%  38 
Kansas  24.2%  12 
Kentucky  22.9% 
Louisiana  29.9%  42 
Maine  30.6%  46 
Maryland  26.7%  24 
Massachusetts  23.6%  11 
Michigan  21.9% 
Minnesota  23.3%  10 
Mississippi  29.9%  42 
Missouri  25.7%  20 
Montana  24.3%  13 
Nebraska  28.0%  32 
Nevada  27.0%  26 
New Hampshire  25.3%  18 
New Jersey  28.5%  37 
New Mexico  28.1%  33 
New York  24.6%  14 
North Carolina  25.6%  19 
North Dakota  27.8%  30 
Ohio  25.1%  16 
Oklahoma  28.8%  39 
Oregon  28.3%  36 
Pennsylvania  22.2% 
Rhode Island  22.3% 
South Carolina  27.5%  29 
South Dakota  30.2%  44 
Tennessee  27.2%  28 
Texas  31.0%  47 
Utah  28.1%  33 
Vermont  22.1% 
Virginia  32.2%  49 
Washington  26.0%  22 
West Virginia  22.1% 
Wisconsin  23.1% 
Wyoming  22.9% 

Source

Medical Expenditure Panel Survey (MEPS) - Insurance Component, Tables II.D.1, II.D.2, II.D.3. Rockville, MD: Agency for Healthcare Research and Quality, Center for Financing, Access, and Cost Trends, 2010. Data provided by the Kaiser Family Foundation, statehealthfacts.org.

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