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Research Article

Private Health Insurance

Health Benefits In 2022: Premiums Remain Steady, Many Employers Report Limited Provider Networks For Behavioral Health

  1. Gary Claxton, Kaiser Family Foundation, Washington, D.C.
  2. Matthew Rae ([email protected]), Kaiser Family Foundation, Washington, D.C.
  3. Anthony Damico, independent consultant, Washington, D.C.
  4. Emma Wager, Kaiser Family Foundation, San Francisco, California.
  5. Gregory Young, Kaiser Family Foundation, Washington, D.C.
  6. Heidi Whitmore, NORC at the University of Chicago, Bethesda, Maryland.
PUBLISHED:No Accesshttps://doi.org/10.1377/hlthaff.2022.01139

In 2022 the average annual premium for family health insurance coverage was $22,463, which is similar to the $22,221 reported in 2021. On average, covered workers contributed $1,327 for single coverage and $6,106 for family coverage. Among covered workers enrolled in a plan with a general annual deductible, the average deductible for single coverage was $1,763. Almost half of large employers reported an increase from 2021 in the share of employees using mental health services. The 2022 survey asked employers about the breadth of their provider networks, especially for those using services for mental health and substance use disorders. Employers were less likely to report that their plan with the largest enrollment was very broad for mental health services than for providers overall. Fewer employers thought that their plan had a sufficient number of behavioral health providers versus primary care providers to provide timely access to enrollees.

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