疫情当前，美国医疗保险费又涨了
美国凯撒家庭基金会（Kaiser Family Foundation）的2021年雇主健康福利调查（2021 Employer Health Benefits Survey）显示，在过去一年里，雇主承担的医保费用小幅提升，其中个人医保年均费用达到7739美元，家庭医保则为22221美元。
个人与家庭医保费用均同比上升4%，与同比增长5%的薪资相呼应。
尽管与前几十年的数据（当时保险费年均增长两位数）相比，近期医保费用增幅并不显著，但其增速日趋远超薪资涨幅与通货膨胀率。例如，自2011年起，家庭医疗保险费用上涨了47%，而薪资涨幅与通货膨胀率则分别为31%与19%。
凯撒家庭基金会的医疗健康市场项目副主管马修·雷是调查报告的撰稿人之一，他说：“过去五年至十年间，医保费用增速略微趋缓。我认为这种现象有好有坏。保费增速的确低于往年，但仍然会日渐超越薪资涨幅与通胀率。我们需要设法去应对这个问题。”
在美国，雇主承担的医疗保险参保人数为1.55亿，其中职工通常仅需支付总费用的一小部分。今年，雇员承担的个人医保费平均占总费用的17%，即需年均支出1299美元；家庭医保费则为28%，即年均5969美元。按月计算，个人医保每月需缴纳108美元，家庭医保则需497美元。
雇员承担的医保费具体取决于雇主。在美国，小型企业的雇员通常需要缴纳更高额的保险费。家庭医保方面，大型企业员工需要支付的费用占比为24%，小型企业员工则为37%。
大部分医保服务开启赔付前，多数雇员，即85%的员工还需要支出年均为1669美元的自付额。十年前，需要承担自付额的员工占比为74%。2011年，平均自付额仅为991美元；而在过去的十年间，自付额度总体上升了68%。（财富中文网）
译者：陈书陶
美国凯撒家庭基金会（Kaiser Family Foundation）的2021年雇主健康福利调查（2021 Employer Health Benefits Survey）显示，在过去一年里，雇主承担的医保费用小幅提升，其中个人医保年均费用达到7739美元，家庭医保则为22221美元。
个人与家庭医保费用均同比上升4%，与同比增长5%的薪资相呼应。
尽管与前几十年的数据（当时保险费年均增长两位数）相比，近期医保费用增幅并不显著，但其增速日趋远超薪资涨幅与通货膨胀率。例如，自2011年起，家庭医疗保险费用上涨了47%，而薪资涨幅与通货膨胀率则分别为31%与19%。
随着时间的推移，家庭医疗保险费用的增长速度超过了工资和通货膨胀
凯撒家庭基金会的医疗健康市场项目副主管马修·雷是调查报告的撰稿人之一，他说：“过去五年至十年间，医保费用增速略微趋缓。我认为这种现象有好有坏。保费增速的确低于往年，但仍然会日渐超越薪资涨幅与通胀率。我们需要设法去应对这个问题。”
在美国，雇主承担的医疗保险参保人数为1.55亿，其中职工通常仅需支付总费用的一小部分。今年，雇员承担的个人医保费平均占总费用的17%，即需年均支出1299美元；家庭医保费则为28%，即年均5969美元。按月计算，个人医保每月需缴纳108美元，家庭医保则需497美元。
雇员承担的医保费具体取决于雇主。在美国，小型企业的雇员通常需要缴纳更高额的保险费。家庭医保方面，大型企业员工需要支付的费用占比为24%，小型企业员工则为37%。
大部分医保服务开启赔付前，多数雇员，即85%的员工还需要支出年均为1669美元的自付额。十年前，需要承担自付额的员工占比为74%。2011年，平均自付额仅为991美元；而在过去的十年间，自付额度总体上升了68%。（财富中文网）
译者：陈书陶
The annual cost for employer-sponsored health insurance rose modestly over the past year, with the average premium for single coverage hitting $7,739 a year and $22,221 for a family plan, according to the Kaiser Family Foundation's 2021 Employer Health Benefits Survey.
The average cost of both single and family coverage rose about 4% year over year, matching the 5% rise in workers’ wages.
Although the recent rise in premium prices is modest compared to previous decades (where price jumps were in the double digits annually), the cost of health care still has risen far more quickly than wages or inflation over time. Since 2011, for example, family health insurance premiums have increased 47% compared to the 31% increase in wages and the 19% inflation growth.
"Premiums are growing a little slower in the last five years, in the last 10 years, than they did before. It's just kind of a two-edged sword, right? Slower than our old growth, but still, over time, faster than wages and inflation, and we've got to figure something out about that," says Matthew Rae, a coauthor on the report and associate director of KFF’s Program on the Health Care Marketplace.
Of the 155 million Americans enrolled in an employer-sponsored health plan, workers typically pay a smaller portion of the overall cost. This year, employees were on the hook for an average of 17% of the total premium cost, or $1,299 a year, for an individual plan and 28%, or $5,969, for a family plan. On a monthly basis, that breaks down to $108 for individual workers and $497 for those enrolled in family coverage.
The cost carried by workers does vary by employer, and Americans working at smaller companies generally contribute a higher share of the premium costs. When it comes to family coverage, for example, workers at small firms pay about 37% of the premium compared to those employed at larger companies, who pay about 24% of the cost.
The majority of workers, 85%, also have an annual deductible—$1,669 on average—that must be met before most services are paid for by the plan. That’s up from about 74% of workers who had a deductible 10 years ago. Overall, the size of deductibles has risen about 68% over the course of a decade; the average deductible was just $991 in 2011.
