Healthcare Costs Continue to Rise

In 2012, the average annual per-employee cost of insurance is up 6.7% compared to 2010. That’s $8,428 in 2012 compared to $7,899 in 2010, according a Compensation Data insurance survey.  Researchers say that rising costs are no surprise, given a looming nursing shortage, epidemic obesity rates, and the multitudes of Aging Baby Boomers. And there’s no foreseeable end in sight to the rising cost of healthcare.

Eighty-two percent of insurance employer sponsored PPO plans have a deductible or co-insurance. The average deductible on an employee-only PPO plan is $715, compared to $1,432 for an employee plus family plan. The average in-network out-of-pocket maximum on an employee plus family PPO plan is $4,393.

Amy Kaminski, director of marketing for Compdata Surveys said, “HDHP plans are beginning to make headway as employers attempt to contain rapidly increasing medical costs. The high deductible requirement translates to lower overall premium costs, making them more affordable for employers.” The use of consumer driven health plans (CDHPs) is on the rise as well. CDHPs typically pair an HDHP medical plan with a spending account. A Health savings account (HSA) with an HDHP is the most common combination – used by 46.5% of survey respondents. For more information, visit

Last Updated 05/25/2022

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