Below are summaries of the charts, tables and graphs contained in Section 3 of the Minnesota Health Care Chartbook by page number. This chartbook was last updated in April of 2024 and contains 43 pages. Pages without charts or graphs are not listed below.

Page 6 – Distribution of Minnesota Establishments and Employees by Firm Size, 2021/2022

This graph depicts the percentage of Minnesota business establishments that offered health care insurance coverage for 2021/2022.
Firms with less than 10 Employees=58.3%
Firms with 10 to 24 Employees=11.2%
Firms with 25 to 49 Employees=5.4%
Firms with 50 to 200 Employees=5.3%
Firms with 201 or more Employees=19.8%
Percent of Employees at Firms with less than 10 Employees=10.2%
Percent of Employees at Firms with 10 to 24 Employees=8.3%
Percent of Employees at Firms with 25 to 49 Employees=6.9%
Percent of Employees at Firms with 50 to 200 Employees=12.7%
Percent of Employees at Firms with 201 or more Employees=61.9%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 7 – Percentage of Minnesota Employees in each Industry Sector, Select Years

This bar graph depicts the percentage of employees in each industry sector, for select years.
Agriculture/Fishing/Forestry: 2009/2010=5.7%; 2013/2014=4.8%; 2017/2018=6.2%; 2021/2022=4.8%
Mining/Manufacturing: 2009/2010=12.9%; 2013/2014=11.9%; 2017/2018=12.4%; 2021/2022=11.1%
Retail/Other Services: 2009/2010=31.1%; 2013/2014=32.9%; 2017/2018=32.3%; 2021/2022=29.4%
Professional Services: 2009/2010=30.2%; 2013/2014=27.8%; 2017/2018=28.4%; 2021/2022=29.5%
All Others: 2009/2010=20.1%; 2013/2014=22.5%; 2017/2018=20.7%; 2021/2022=25.1%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 8 – Percentage of Minnesota Employees Working Part-Time, Select Years

This bar graph depicts the percentage of Minnesota employees working part-time, for select years.
2009/2010=25.9%
2013/2014=28.9%
2017/2018=24.2%
2021/2022=24.9%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Part-time is defined by survey respondent as not being full-time. Full-time definition is determined by respondent and no minimum number of hours is specified in the survey. Data presented are weighted averages of two years of data.

Page 10 –Minnesota Establishments Offering Health Insurance Coverage & Their, Select Years

These bar graphs depict the percentage of Minnesota business establishments that offer health care coverage and the percentage of Minnesota employees working for a business establishment that offers health insurance, for select years.
% of MN Establishments that Offer Health Insurance Coverage:
- 2009/2010=51.5%
- 2013/2014=45.6%*
- 2017/2018=47.4%
- 2021/2022=51.2%
% of MN Employees Working for Those Establishments:
- 2009/2010=86.1%
- 2013/2014=83.2%
- 2017/2018=83.6%
- 2021/2022=85.0%
*Indicates a statistically significant difference (95% level) from previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 11 – Percentage of Minnesota Employers Offering Health Insurance, by Firm Size, Select Years

This bar graph compares the percentage of employers offering health insurance, by firm size, for select years.
Fewer than 10 employees: 2009/2010=31.1%^; 2013/2014=25.0%*^; 2017/2018=25.1%^; 2021/2022=31.0%^
10 to 24 employees: 2009/2010=57.9%; 2013/2014=52.1%; 2017/2018=50.6%; 2021/2022=43.8%
25 to 49 employees: 2009/2010=78.8%^; 2013/2014=68.4%^; 2017/2018=67.2%^; 2021/2022=73.0%^
50 to 200 employees: 2009/2010=80.4%^; 2013/2014=84.3%^; 2017/2018=79.0%^; 2021/2022=96.9%*^
201+ employees: 2009/2010=99.2%^; 2013/2014=98.9%^; 2017/2018=99.2%^; 2021/2022=96.9%^
Total: 2009/2010=51.5%; 2013/2014=45.6%*; 2017/2018=47.4%; 2021/2022=51.2%
*Indicates a statistically significant difference (95% level) from previous time period estimate.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 12 – Among Employers Offering Coverage, Percentage of Minnesota Employers that Offer Family Coverage by Firm Size, Select Years

This bar graph depicts the percentage of Minnesota establishments that offer family coverage, by firm size, for select years.
Fewer than 25 employees: 2009/2010=71.0%^; 2013/2014=80.2%; 2017/2018=71.8%^; 2021/2022=62.2%^
25 to 49 employees: 2009/2010=93.5%; 2013/2014=96.2%; 2017/2018=89.3%; 2021/2022=86.3%
50 to 200 employees: 2009/2010=94.2%; 2013/2014=92.3%; 2017/2018=95.6%^; 2021/2022=97.5%^
201+ employees: 2009/2010=99.4%^; 2013/2014=99.3%^; 2017/2018=99.7%^; 2021/2022=100.0%^
Total: 2009/2010=84.3%; 2013/2014=89.5%; 2017/2018=86.6%; 2021/2022=81.7%
^Indicates a statistically significant difference (95% level) from average for all firms within a time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data. Results are only available for <25 Employees due to a low number of firms.

Page 13 – Percentage of Minnesota Employees in Establishments That Offer Health Insurance, by Firm Size, Select Years

This bar graph compares the percentage of employees in establishments that offer health insurance, by firm size, for select years.
Fewer than 10 employees: 2009/2010=40.3%^; 2013/2014=30.1%*^; 2017/2018=30.2%^; 2021/2022=34.0%^
10 to 24 employees: 2009/2010=63.0%^; 2013/2014=57.1%^; 2017/2018=50.4%^; 2021/2022=47.9%^
25 to 49 employees: 2009/2010=80.9%; 2013/2014=68.1%^; 2017/2018=71.0%^; 2021/2022=72.4%^
50 to 200 employees: 2009/2010=84.5%; 2013/2014=89.0%; 2017/2018=87.6%; 2021/2022=95.1%^
201+ employees: 2009/2010=99.0%^; 2013/2014=97.3%^; 2017/2018=98.4%^; 2021/2022=97.7%^
Total: 2009/2010=86.1%; 2013/2014=83.2%; 2017/2018=83.6%; 2021/2022=85.0%
*Indicates a statistically significant difference (95% level) from previous time period estimate.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 14 – Trends in Eligibility, Take-up and Coverage in Establishments That Offer Health Insurance, Select Years

This bar graph depicts trends in Eligibility, Take-up, and Coverage in business establishments that offer health insurance, for select years.
Eligibility: % of employees eligible for health insurance at establishments offering coverage.
Take-Up: % of eligible employees who enrolled in health insurance.
Coverage: % of employees eligible for and enrolled in health insurance, among all employees at establishments offering coverage (Eligibility x Take-Up).
Eligibility: 2009/2010=77.3%; 2013/2014=74.8%; 2017/2018=78.2%; 2021/2022=79.8%
Take-up: 2009/2010=78.7%; 2013/2014=73.9%*; 2017/2018=74.8%; 2021/2022=73.1%
Coverage: 2009/2010=60.8%; 2013/2014=55.3%*; 2017/2018=58.4%; 2021/2022=58.3%
*Indicates a significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 15 – Percentage of Minnesota Employees Eligible for Health Insurance, by Industry Sector, Select Years

This bar graph compares the percent of Minnesota employees eligible for coverage, by industry sector, for select years.
Eligibility is the percentage of employees eligible for health insurance at establishments offering coverage.
Agriculture/Fishing/Forestry: 2009/2010=77.2%; 2013/2014=Not reported; 2017/2018=Not reported; 2021/2022=85.6%*
Mining/Manufacturing: 2009/2010=92.1%^; 2013/2014=93.5%^; 2017/2018=94.4%^; 2021/2022=92.4%^
Retail/Other Services: 2009/2010=60.0%^; 2013/2014=52.7%^; 2017/2018=57.4%^; 2021/2022=59.8%^
Professional Services: 2009/2010=76.5%; 2013/2014=75.5%; 2017/2018=79.6%; 2021/2022=81.4%
All Others: 2009/2010=90.9%^; 2013/2014=86.5%^; 2017/2018=90.7%^; 2021/2022=90.8%
Total: 2009/2010=77.3%; 2013/2014=74.8%; 2017/2018=78.2%; 2021/2022=79.8%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. “Not reported” indicates not enough data to provide results. Data presented are weighted averages of two years of data.

Page 16 – Percentage of Minnesota Employees Eligible for Health Insurance, by Firm Size, Select Years

This bar graph compares the percentage of employees who are eligible for health insurance (among firms that offer health insurance), by firm size, for select years.
Fewer than 10 employees: 2009/2010=72.4%; 2013/2014=82.7%*^; 2017/2018=78.8%; 2021/2022=77.8%
10 to 24 employees: 2009/2010=75.7%; 2013/2014=71.4%; 2017/2018=66.3%^; 2021/2022=80.2%*
25 to 49 employees: 2009/2010=72.1%; 2013/2014=65.7%^; 2017/2018=77.4%*; 2021/2022=74.4%
50 to 200 employees: 2009/2010=76.5%; 2013/2014=72.1%; 2017/2018=75.6%; 2021/2022=79.0%
201+ employees: 2009/2010=78.4%; 2013/2014=75.9%; 2017/2018=79.5%; 2021/2022=80.4%
Total: 2009/2010=77.3%; 2013/2014=74.8%; 2017/2018=78.2%; 2021/2022=79.8%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 17 – Percentage of Eligible Minnesota Employees Who Enroll in Coverage (Take-up Rate), by Industry Sector, Select Years

This bar graph compares the percentage of eligible employees who enroll in health insurance (Take-up Rate) among those eligible for coverage from their employer, by industry type, for select years.
Agriculture/Fishing/Forestry: 2009/2010=86.0%^; 2013/2014=Not reported; 2017/2018=Not reported; 2021/2022=79.1%*
Mining/Manufacturing: 2009/2010=89.7%^; 2013/2014=76.3%*; 2017/2018=80.6%^; 2021/2022=73.8%*
Retail/Other Services: 2009/2010=63.8%^; 2013/2014=56.2%^; 2017/2018=64.6%^; 2021/2022=61.7%^
Professional Services: 2009/2010=77.1%; 2013/2014=75.6%; 2017/2018=69.6%*^; 2021/2022=75.6%*
All Others: 2009/2010=84.4%^; 2013/2014=81.7%^; 2017/2018=84.3%^; 2021/2022=76.7%*
Total: 2009/2010=78.7%; 2013/2014=73.9%*; 2017/2018=74.8%; 2021/2022=73.1%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. “Not reported” indicates not enough data to provide results. Data presented are weighted averages of two years of data.

Page 18 – Percentage of Eligible Minnesota Employees Who Enroll in Coverage (Take-up Rate), by Firm Size, Select Years

This bar graph compares the percentage of eligible employees who enroll in coverage (Take-up Rate) among those eligible for coverage from their employer, by firm size, for select years.
Fewer than 10 employees: 2009/2010=79.4%; 2013/2014=71.4%; 2017/2018=78.0%; 2021/2022=77.2%
10 to 24 employees: 2009/2010=74.8%; 2013/2014=65.9%; 2017/2018=71.4%; 2021/2022=72.0%
25 to 49 employees: 2009/2010=77.5%; 2013/2014=65.8%*^; 2017/2018=70.5%; 2021/2022=67.2%
50 to 200 employees: 2009/2010=77.8%; 2013/2014=68.3%; 2017/2018=69.2%; 2021/2022=72.0%
201+ employees: 2009/2010=79.2%; 2013/2014=76.3%; 2017/2018=76.3%; 2021/2022=73.6%
Total: 2009/2010=78.7%; 2013/2014=73.9%*; 2017/2018=74.8%; 2021/2022=73.1%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 19 – Percentage of Minnesota Employees Enrolled in Coverage, by Industry Sector, Select Years

This bar graph compares the percentage of Minnesota employees enrolled in coverage, by industry type, for select years.
Coverage is the % of employees eligible for and enrolled in health insurance, among all employees at establishments offering coverage (Eligibility * Take-up).
Agriculture/Fishing/Forestry: 2009/2010=66.3%; 2013/2014=Not reported; 2017/2018=Not reported; 2021/2022=67.7%*
Mining/Manufacturing: 2009/2010=82.7%^; 2013/2014=71.3%*^; 2017/2018=76.1%^; 2021/2022=68.2%*^
Retail/Other Services: 2009/2010=38.3%^; 2013/2014=29.7%*^; 2017/2018=37.1%^; 2021/2022=36.9%^
Professional Services: 2009/2010=59.0%; 2013/2014=57.1%; 2017/2018=55.3%; 2021/2022=61.6%*
All Others: 2009/2010=76.6%^; 2013/2014=70.7%*^; 2017/2018=76.5%^; 2021/2022=69.7%*^
Total: 2009/2010=60.8%; 2013/2014=55.3%*; 2017/2018=58.4%; 2021/2022=58.3%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. “Not reported” indicates not enough data to provide results. Data presented are weighted averages of two years of data.

Page 20 – Percentage of Minnesota Employees Enrolled in Coverage, by Firm Size, Select Years

This bar graph compares the percentage of Minnesota employees enrolled in coverage, by firm size, for select years.
Coverage is the % of employees eligible for and enrolled in health insurance, among all employees at establishments offering coverage (Eligibility * Take-up).
Fewer than 10 employees: 2009/2010=57.5%; 2013/2014=59.1%; 2017/2018=61.4%; 2021/2022=60.1%
10 to 24 employees: 2009/2010=56.6%; 2013/2014=47.0%; 2017/2018=47.3%^; 2021/2022=57.8%
25 to 49 employees: 2009/2010=55.9%; 2013/2014=43.2%*^; 2017/2018=54.5%*; 2021/2022=49.9%^
50 to 200 employees: 2009/2010=59.5%; 2013/2014=49.3%; 2017/2018=52.3%; 2021/2022=56.8%
201+ employees: 2009/2010=62.1%; 2013/2014=58.0%; 2017/2018=60.7%; 2021/2022=59.2%
Total: 2009/2010=60.8%; 2013/2014=55.3%*; 2017/2018=58.4%; 2021/2022=58.3%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within a time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 21 – Percentage of Minnesota Employees Enrolled in Coverage by Full-Time/Part-Time Status, Select Years

This bar graph compares the percent of Minnesota employees enrolled in coverage, by full-time or part-time status, for select years.
Full-Time: 2009/2010=72.5%^; 2013/2014=70.3%^; 2017/2018=69.7%^; 2021/2022=68.2%^
Part-Time: 2009/2010=17.1%^; 2013/2014=8.6%*^; 2017/2018=8.6%^; 2021/2022=19.8%^#
Statewide average: 2009/2010=60.8%; 2013/2014=55.3%; 2017/2018=58.4%; 2021/2022=58.3%
#Indicates figure does not meet MEPS survey standard of reliability or precision.
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Part-time is defined by survey respondent as not being full-time. Full-time definition is determined by respondent and no minimum number of hours is specified in the survey. Data presented are weighted averages of two years of data.

Page 23 – Average Annual Health Insurance Premiums in Minnesota, Select Years

This bar graph compares the average annual health insurance premium in Minnesota, by single and family coverage, for select years.
Single Coverage: 2009/2010=$4,782; 2013/2014=$5,557*; 2017/2018=$6,533*; 2021/2022=$7,488*
Family Coverage: 2009/2010=$13,542; 2013/2014=$15,598*; 2017/2018=$18,917*; 2021/2022=$22,132*
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.

Page 24– Average Annual Health Insurance Premiums in Minnesota for Single Coverage, by Firm Size, Select Years

This bar graph compares the average annual single coverage health insurance premium in Minnesota, by firm size, for select years.
Fewer than 10 employees: 2009/2010=$5,251; 2013/2014=$5,478; 2017/2018=$7,039*; 2021/2022=$7,300
10 to 24 employees: 2009/2010=$4,882; 2013/2014=$5,787; 2017/2018=$5,525^; 2021/2022=$7,747*
25 to 49 employees: 2009/2010=$4,501; 2013/2014=$5,074; 2017/2018=$5,939; 2021/2022=$7,111*
50 to 200 employees: 2009/2010=$4,680; 2013/2014=$5,641*; 2017/2018=$6,116; 2021/2022=$7,556*
201+ employees: 2009/2010=$4,782; 2013/2014=$5,557*; 2017/2018=$6,533*; 2021/2022=$7,488*
Total: 2009/2010=$4,782; 2013/2014=$5,557*; 2017/2018=$6,533*; 2021/2022=$7,488*
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.

Page 25 – Average Annual Health Insurance Premiums in Minnesota for Family Coverage, by Firm Size, Select Years

This bar graph compares the average annual family coverage health insurance premium in Minnesota, by firm size, for select years.
Fewer than 10 employees: 2009/2010=$13,755; 2013/2014=Not Reported; 2017/2018=Not Reported; 2021/2022=Not Reported
10 to 24 employees: 2009/2010=$11,867; 2013/2014=Not Reported; 2017/2018=Not Reported; 2021/2022=$19,408^
25 to 49 employees: 2009/2010=$12,035; 2013/2014=$13,632^; 2017/2018=$15,434^; 2021/2022=$20,756*
50 to 200 employees: 2009/2010=$12,598; 2013/2014=$14,433; 2017/2018=$17,668*; 2021/2022=$20,113
201+ employees: 2009/2010=$13,956; 2013/2014=$16,160*; 2017/2018=$19,534*; 2021/2022=$23,051*
Total: 2009/2010=$13,542; 2013/2014=$15,598*; 2017/2018=$18,917*; 2021/2022=$22,132*
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
^Indicates a statistically significant difference (95% level) from average of all firms within time period.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. “Not reported” indicates not enough data to provide results. Data presented are weighted averages of two years of data.

Page 26– Average Employer and Employee Shares of Premiums in Minnesota, Select Years

This bar graph compares the average annual employee and employer shares of health insurance premiums in Minnesota, by single and family coverage, for select years.
Single Coverage Employee Share of Premium: 2009/2010=21.1%; 2013/2014=22.1%; 2017/2018=22.5%; 2021/2022=20.2%*
Single Coverage Employer Share of Premium: 2009/2010=78.9%; 2013/2014=77.9%; 2017/2018=77.5%; 2021/2022=79.8%
Family Coverage Employee Share of Premium: 2009/2010=25.8%; 2013/2014=26.9%; 2017/2018=29.5%; 2021/2022=25.9%*
Family Coverage Employer Share of Premium: 2009/2010=74.2%; 2013/2014=73.1%; 2017/2018=70.5%; 2021/2022=74.1%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Results are not statistically significant at the 95% level from previous time period shown. Data presented are weighted averages of two years of data.

Page 27 – Average Annual Employee and Employer Contribution to Premiums in Minnesota, Select Years

This bar graph compares the average annual employee and employer contribution to health insurance premiums in Minnesota, by single and family coverage, for select years.
Single Coverage Employee Contribution to Premium: 2009/2010=$1,009; 2013/2014=$1,224*; 2017/2018=$1,472*; 2020/2021=$1,514
Single Coverage Employer Contribution to Premium: 2009/2010=$3,774; 2013/2014=$4,332*; 2017/2018=$5,061*; 2021/2022=$5,974*
Family Coverage Employee Contribution to Premium: 2009/2010=$3,480; 2013/2014=$4,190*; 2017/2018=$5,594*; 2021/2022=$5,726
Family Coverage Employer Contribution to Premium: 2009/2010=$10,062; 2013/2014=$11,408*; 2017/2018=$13,323*; 2021/2022=$16,406*
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one. Data presented are weighted averages of two years of data.

Page 28 – Percentage of Enrollees Whose Employer Pays 100 Percent of Premiums in Minnesota, Select Years

This bar graph compares the percent of enrollees whose employer pays 100% of premium coverage in Minnesota, by single and family coverage, for select years.
Single Coverage: 2009/2010=14.4%; 2013/2014=12.3%; 2017/2018=8.7%; 2021/2022=9.5%
Family Coverage: 2009/2010=8.6%#; 2013/2014=7.8%; 2017/2018=6.2%#; 2021/2022=5.3%#
# Figures do not meet MEPS survey standard of reliability or precision.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.

Page 29–Distribution of Minnesotans with Employer Coverage by Level of Employer Contribution, Select Years

This bar graph compares the average distribution of enrollment by the employer’s contribution for the years 2017/2018 and 2021/2022, by single and family coverage.
Less than 50% of single coverage contributed by employer: 2017/2018=2.9%#, 2021/2022=3.2%#
50% to 69% of single coverage contributed by employer: 2017/2018=22.2%, 2021/2022=16.8%*
70% to 79% of single coverage contributed by employer: 2017/2018=24.9%, 2021/2022=23.6%
80% to 89% of single coverage contributed by employer: 2017/2018=30.5%, 2021/2022=37.5%*
90% to 99% of single coverage contributed by employer: 2017/2018=10.7%, 2021/2022=9.4%
100% of single coverage contributed by employer: 2017/2018=8.7%, 2021/2022=9.5%
Less than 50% of family coverage contributed by employer: 2017/2018=15.8%, 2021/2022=12.4%
50% to 69% of family coverage contributed by employer: 2017/2018=19.7%, 2021/2022=15.0%
70% to 79% of family coverage contributed by employer: 2017/2018=29.3%, 2021/2022=28.6%
80% to 89% of family coverage contributed by employer: 2017/2018=26.3%, 2021/2022=35.5%
90% to 99% of family coverage contributed by employer: 2017/2018=2.7%#, 2021/2022=3.3%#
100% of family coverage contributed by employer: 2017/2018=6.2%#, 2021/2022=5.3%#
# Indicates figure does not meet MEPS survey standard of reliability or precision.
* Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data. For purposes of this survey, we estimate the number of Minnesotans enrolled in single coverage at approximately 670,000 in 2017/2018 and 739,000 in 2021/2022; we estimate the number of Minnesotans enrolled with family coverage at approximately 339,000 in 2017/2018 and 405,000 in 2021/2022; a single enrollment in Family coverage counts only the enrollee, not the additional family members enrolled.

Page 30– Percentage of Enrollees in a Health Plan with a Deductible, Select Years

This bar graph compares the percent of enrollees in a health insurance plan with a deductible, by single and family coverage, for select years.
Single Coverage: 2009/2010=86.2%; 2013/2014=92.0%*; 2017/2018=94.7%*; 2021/2022=94.4%
Family Coverage: 2009/2010=85.6%; 2013/2014=91.9%*; 2017/2018=95.4%*; 2021/2022=94.9%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 31 – Average Deductible and Percentage Growth for Individuals with Employer Coverage, Select Years

This bar graph compares the average enrollee deductible, by single and family coverage, for select years.
Single Coverage: 2009/2010: $1,108; 2013/2014=$1,402*, percentage growth: 27%; 2017/2018=$2,007*, percentage growth: 43%; 2021/2022=$2,122, percentage growth: 6%
Family Coverage: 2009/2010: $2,082; 2013/2014=$2,708*, percentage growth: 30%; 2017/2018=$3,886*, percentage growth: 44%; 2021/2022=$4,010, percentage growth: 3%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Percentage growth is based on the deductible from the prior year shown in this graph (e.g., the growth in single coverage between 2016/2017 and 2020/2021 was 20%).
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 32 – Percentage of Minnesotans Enrolled in a High Deductible Health Plan (HDHP)

This graph depicts the percent of Minnesotans enrolled in a high deductible health plan in select years.
Single Coverage: 2017/2018=66.6%; 2021/2022=64.3%
Family Coverage: 2017/2018=67.8%; 2021/2022=63.6%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data not reported prior to 2016 on the MEPS website. Data presented are weighted averages of two years of data. Coverage plans are classified as “high deductible” if the deductible met or exceeded the Internal Revenue Service (IRS) threshold for a high deductible in a given year. For 2020 and 2021, minimum deductibles were $1,400 per individual/$2,800 per family to qualify as a high deductible health plan.

Page 33 – Percentage of Minnesotans Enrolled in a High Deductible Health Plan with Employer Contributions to an HSA or HRA

This graph depicts the percent of Minnesotans enrolled in a high deductible health plan in select years where an employer contributes to an HSA or HRA.
Single Coverage: 2017/2018=54.3%; 2021/2022=53.0%
Family Coverage: 2017/2018=61.7%; 2021/2022=63.5%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data not available prior to 2016. Data presented are weighted averages of two years of data. An HSA is a Health Savings Account and an HRA is a Health Reimbursement Account.

Page 34 – Average Monthly Employer Contribution to an HSA or HRA

This graph graph depicts the average monthly employer contribution to an HSA or HRA.
Single Coverage: 2021/2022=$73 per month; 2021/2022=$64 per month
Family Coverage: 2021/2022=$122 per month; 2021/2022=$118 per month
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data not available prior to 2020. Data presented are weighted averages of two years of data. An HSA is a Health Savings Account and an HRA is a Health Reimbursement Account.

Page 35 – Cumulative Growth Rates of Premiums and Deductibles for Single Coverage

This graph depicts the cumulative growth rates of employee premiums (employee premium share), employer premiums (employer premium share), and deductibles for individuals with single coverage over the years 2006/2008 through 2021/2022.
2006/2008 is the starting point; employee premium share, employer premium share, and deductibles have no growth.
Employer Premium Share: 2006/2008=0.0%; 2008/2009=6.3%; 2009/2010=12.3%; 2010/2011=23.0%; 2011/2012=26.0%; 2012/2013=21.6%; 2013/2014=29.0%; 2014/2015=32.9%; 2015/2016=33.8%; 2016/2017=42.2%; 2017/2018=50.6%; 2018/2019= 58.8%; 2019/2020=61.7%; 2020/2021=69.0%; 2021/2022=77.8%
Employee Premium Share: 2006/2008=0.0%; 2008/2009=10.5%; 2009/2010=18.5%; 2010/2011=23.8%; 2011/2012=35.1%; 2012/2013=43.5%; 2013/2014=43.8%; 2014/2015=49.9%; 2015/2016=59.4%; 2016/2017=61.1%; 2017/2018=72.9%; 2018/2019= 77.5%; 2019/2020=73.2%; 2020/2021=75.6%; 2021/2022=77.9%
Deductible Growth: 2006/2008=0.0%; 2008/2009=21.1%; 2009/2010=42.5%; 2010/2011=57.3%; 2011/2012=61.3%; 2012/2013=66.8%; 2013/2014=80.4%; 2014/2015=109.1%; 2015/2016=131.6%; 2016/2017=141.1%; 2017/2018=158.3%; 2018/2019= 178.1%; 2019/2020=194.9%; 2020/2021=188.1%; 2021/2022=173.1%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data. The Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component survey was not completed in 2007 due to methodology design changes; as a result, results were blended for 2006 and 2008 years.

Page 36- Cumulative Growth Rates of Premiums and Deductibles for Family Coverage

This graph depicts the cumulative growth rates of employee premiums (employee premium share), employer premiums (employer premium share), and deductibles for individuals with family coverage over the years 2006/2008 through 2021/2022
2006/2008 is the starting point; employee premium share, employer premium share, and deductibles have no growth.
Employer Premium Share: 2006/2008=0.0%; 2008/2009=6.4%; 2009/2010=7.8%; 2010/2011=18.8%; 2011/2012=21.4%; 2012/2013=16.8%; 2013/2014=22.2%; 2014/2015=28.7%; 2015/2016=31.8%; 2016/2017=40.2%; 2017/2018=42.7%; 2018/2019= 53.8%; 2019/2020=62.5%; 2020/2021=64.8%; 2021/2022=75.8%
Employee Premium Share: 2006/2008=0.0%; 2008/2009=9.5%; 2009/2010=9.1%; 2010/2011=15.3%; 2011/2012=30.0%; 2012/2013=32.3%; 2013/2014=31.4%; 2014/2015=45.1%; 2015/2016=54.8%; 2016/2017=53.3%; 2017/2018=75.4%; 2018/2019= 80.5%; 2019/2020=73.0%; 2020/2021=75.7%; 2021/2022=79.5%
Deductible Growth: 2006/2008=0.0%; 2008/2009=19.1%; 2009/2010=40.3%; 2010/2011=56.1%; 2011/2012=65.9%; 2012/2013=68.8%; 2013/2014=82.5%; 2014/2015=116.9%; 2015/2016=130.2%; 2016/2017=135.6%; 2017/2018=161.9%; 2018/2019= 176.5%; 2019/2020=193.9%; 2020/2021=197.5%; 2021/2022=170.2%
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data. The Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component survey was not completed in 2007 due to methodology design changes; as a result, results were blended for 2006 and 2008 years.

Page 38- Average Annual Health Insurance Premiums for Family Coverage

This bar graph compares the average annual health insurance premium for family coverage nationally and in Minnesota, for select years.
National Family Coverage: 2009/2010=$13,436; 2013/2014=$16,338*; 2017/2018=$19,132*; 2021/2022=$21,656*
Minnesota Family Coverage: 2009/2010=$13,542; 2013/2014=$15,598*; 2017/2018=$18,917*; 2021/2022=$22,132*
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Data presented are weighted averages of two years of data.

Page 39 - Average Employer and Employee Shares of Premiums for Family Coverage

This bar graph compares the average annual employee and employer shares of health insurance premiums nationally and in Minnesota, by family coverage, for select years.
National Family Coverage Employee Share of Premium: 2009/2010=26.7%; 2013/2014=27.4%; 2017/2018=27.8%; 2021/2022=29.2%
National Family Coverage Employer Share of Premium: 2009/2010=73.3%; 2013/2014=72.6%; 2017/2018=72.2%; 2021/2022=70.8%
Minnesota Family Coverage Employee Share of Premium: 2009/2010=25.8%; 2013/2014=26.9%; 2017/2018=29.5%; 2021/2022=25.9%*
Minnesota Family Coverage Employer Share of Premium: 2009/2010=74.2%; 2013/2014=73.1%; 2017/2018=70.5%; 2021/2022=74.1%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one coverage. Results are not statistically significant at the 95% level from previous time period shown. Data presented are weighted averages of two years of data. Standard errors are not available for national employer contribution to premiums.

Page 40 - Average Annual Employee and Employer Contribution to Premiums for Family Coverage

This bar graph compares the average annual employee and employer contribution to health insurance premiums nationally and in Minnesota, by family coverage, for select years.
National Family Coverage Employee Contribution to Premium: 2009/2010=$3,594; 2013/2014=$4,469*; 2017/2018=$5,326*; 2021/2022=$6,333
National Family Coverage Employer Contribution to Premium: 2009/2010=$9,843; 2013/2014=$11,869*; 2017/2018=$13,806*; 2021/2022=$15,323*
Minnesota Family Coverage Employee Contribution to Premium: 2009/2010=$3,480; 2013/2014=$4,190*; 2017/2018=$5,594*; 2021/2022=$5,726
Minnesota Family Coverage Employer Contribution to Premium: 2009/2010=$10,062; 2013/2014=$11,408; 2017/2018=$13,323; 2021/2022=$16,406
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Family coverage excludes employee-plus-one. Data presented are weighted averages of two years of data. Standard errors are not available for the national employer contribution to premiums.

Page 41 - Average Deductible and Percentage Growth for Individuals with Employer Family Coverage

This bar graph compares the average enrollee deductible nationally and in Minnesota, by family coverage, for select years.
National Family Coverage: 2009/2010: $1,865; 2013/2014=$2,565*, percentage growth: 38%; 2017/2018=$3,394, percentage growth: 32%; 2021/2022=$3,840, percentage growth: 13%
Minnesota Family Coverage: 2009/2010: $2,082; 2013/2014=$2,708*, percentage growth: 30%; 2017/2018=$3,886*, percentage growth: 44%; 2021/2022=$4,010, percentage growth: 3%
*Indicates a statistically significant difference (95% level) from estimate of previous time period shown.
Percentage growth is based on the deductible from the prior year shown in this graph (e.g., the growth in national family coverage between 2017/2018 and 2021/2022 was 13%).
- Source: MDH analysis of data for private employers from the Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey-Insurance Component. Data presented are weighted averages of two years of data.

Page 42 - Median Total Household Spending on Health Care Out-of-Pocket Spending, Including Premium Payments (2022)

This bar graph compares the median household spending on health care out-of-pocket spending in 2022 for Minnesota and the United States across all states.
Minnesota had the third highest household out-of-pocket spending at $3,200; whereas the United States average ranked much lower (34th), with household out-of-pocket spending only at $1,750.

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