Higher Ed Employees Face More Cost Sharing

Colleges and universities are passing more healthcare costs to their employees, according to a report by the College and University Assn. for Human Resources. Forty one percent have increased the employee share of premiums since the ACA went into effect. Additionally, 26% have increased in-network deductibles; 27% have increased out-of-pocket limits; 20% have increased the employee share of prescription drug costs; and 24% have increased the employee share of dependent coverage costs. Thirty-six percent of colleges and universities have adopted or expanded a wellness program; and 21% have adopted or expanded financial incentives to encourage healthy behaviors. The survey also reveals the following about colleges and universities:

  • 50% of part-time staff and 80% of part-time faculty work less than 30 hours a week.
  • The average annual premium was $6,501 for employee-only coverage and $17,484 for the employee plus family coverage for all four plan types (PPOs, HMO, POS plans, and HDHPs).
  • 82% offer PPO plans; and 44% offer HDHPs — up from 17% in 2009.
  • 60% offer healthcare benefits to same sex domestic partners or spouses (up from 46% five years ago).
  • 42% offer healthcare benefits to part-time staff and 36% offer healthcare benefits faculty. Most of those also pay part of the premium.
  • Colleges and universities that don’t offer healthcare benefits for part-time employees are not providing financial support for enrollment in a public exchange, and only 2% are considering doing so next year.
  • Almost all colleges and universities provide basic life insurance, long-term disability, paid time-off, tuition assistance and retirement benefits. But only 64% offer short-term disability coverage.

For more information visit www.cupahr.org/surveys/benefits.aspx.

Last Updated 10/21/2020

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