This bar graph compares the average annual health insurance premium in Minnesota by employee plus one and family coverage, for select years.
Employee Plus one coverage: 2010/2011=$10,033; 2014/2015=$11,796*; 2018/2019=$13,946*; 2022/2023=$15,955*
Family coverage: 2010/2011=$14,767; 2014/2015=$16,644*; 2018/2019=$20,115*; 2022/2023=$23,852*
*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 7 – Average Annual Health Insurance Premiums in Minnesota for Employee Plus One Coverage, by Firm Size, Select Years

This bar graph compares the average annual employee plus one and family coverage health insurance premiums in Minnesota, by firm size, for select years.
Employee plus one coverage:
- Fewer than 10 employees: 2018/2019=Not Reported; 2022/2023=$19,948
- 10 to 24 employees: 2018/2019=Not Reported; 2022/2023=Not Reported
- 25 to 49 employees: 2018/2019=$10,039^; 2022/2023=$14,412^
- 50 to 200 employees: 2018/2019=$13,543; 2022/2023=$14,500
- 201+ employees: 2018/2019=$14,165; 2022/2023=$16,392*
- Total: 2018/2019=$13,946; 2022/2023=$15,955*
Family coverage:
- Fewer than 10 employees: 2018/2019=Not Reported; 2022/2023=$19,948
- 10 to 24 employees: 2018/2019=Not Reported; 2022/2023=$20,539^
- 25 to 49 employees: 2018/2019=$14,759^; 2022/2023=$21,419*
- 50 to 200 employees: 2018/2019=$18,321; 2022/2023=$21,606*
- 201+ employees: 2018/2019=$20,827; 2022/2023=$25,025*
- Total: 2018/2019=$20,115; 2022/2023=$23,852*
#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. “Not reported” indicates not enough data to provide results. Data presented are weighted averages of two years of data.

Page 8– Average Employer and Employee Shares of Premiums in Minnesota

This bar graph compares the average annual employee and employer shares of health insurance premiums in Minnesota, for employee plus one and family coverage, for select years.

Employee plus one coverage:
- Employee Share of Premium: 2010/2011=25.9%; 2014/2015=26.0%; 2018/2019=28.3%; 2022/2023=26.3%
- Employer Share of Premium: 2010/2011=74.1%; 2014/2015=74.0%; 2018/2019=71.7%; 2022/2023=73.7%
Family coverage:
- Employee Share of Premium: 2010/2011=24.8%; 2014/2015=27.8%; 2018/2019=28.7%; 2022/2023=25.3%
- Employer Share of Premium: 2010/2011=75.2%; 2014/2015=72.2%; 2018/2019=71.3%; 2022/2023=74.7%
*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 9 – 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 employee plus one and family coverage, for select years.
Employee plus one coverage:
- Employee Contribution to Premium: 2010/2011=$2,604; 2014/2015=$3,075*; 2018/2019=$3,952*; 2020/2021=$4,193
- Employer Contribution to Premium: 2010/2011=$7,429; 2014/2015=$8,721*; 2018/2019=$9,994*; 2022/2023=$11,762*
Family coverage:
- Employee Contribution to Premium: 2010/2011=$3,678; 2014/2015=$4,627*; 2018/2019=$5,759*; 2022/2023=$6,029
- Employer Contribution to Premium: 2010/2011=$11,088; 2014/2015=$12,016; 2018/2019=$14,356*; 2022/2023=$17,822*
*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 10 – Percentage of Enrollees Whose Employer Pays 100 Percent of Premiums in Minnesota

This bar graph compares the percent of enrollees whose employer pays 100 percent of premium coverage in Minnesota by employee plus one and family coverage, for select years.
Employee plus one coverage: 2010/2011=5.9%#; 2014/2015=Not reported; 2018/2019=9.2%#; 2022/2023=3.9%*#
Family coverage: 2010/2011=6.3%#; 2014/2015=6.1%; 2018/2019=7.7%#; 2022/2023=5.0%#
# 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. Data presented are weighted averages of two years of data.

Page 11–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 2018/2019 and 2022/2023, by employee plus one and family coverage.
Employee plus one coverage:
- Less than 50% of employee plus one coverage contributed by employer: 2018/2019=12.5%, 2022/2023=12.0%
- 50% to 69% of employee plus one coverage contributed by employer: 2018/2019=22.2%, 2022/2023=20.9%
- 70% to 79% of employee plus one coverage contributed by employer: 2018/2019=31.6%, 2022/2023=25.5%
- 80% to 89% of employee plus one coverage contributed by employer: 2018/2019=20.2%, 2022/2023=31.5%*
- 90% to 99% of employee plus one coverage contributed by employer: 2018/2019=4.3%#, 2022/2023=6.2%#
- 100% of employee plus one coverage contributed by employer: 2018/2019=9.2%#, 2022/2023=3.9%*#
Family coverage:
- Less than 50% of family coverage contributed by employer: 2018/2019=14.1%, 2022/2023=13.8%
- 50% to 69% of family coverage contributed by employer: 2018/2019=23.3%, 2022/2023=16.8%
- 70% to 79% of family coverage contributed by employer: 2018/2019=27.4%, 2022/2023=21.8%
- 80% to 89% of family coverage contributed by employer: 2018/2019=23.5%, 2022/2023=32.9%*
- 90% to 99% of family coverage contributed by employer: 2018/2019=4.1%#, 2022/2023=9.7%#
- 100% of family coverage contributed by employer: 2018/2019=7.7%#, 2022/2023=5.0%#
# 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. Data presented are weighted averages of two years of data. For purposes of this survey, we estimate the number of Minnesotans enrolled in employee plus one coverage at approximately 251,000 in 2018/2019 and 221,000 in 2022/2023 and Minnesotans enrolled with family coverage at approximately 385,000 in 2018/2019 and 347,000 in 2022/2023. <

Page 12– Percentage of Enrollees in a Health Plan with a Deductible

This bar graph compares the percentage of enrollees in a health insurance plan with a deductible by employee plus one and family coverage, for select years.
Employee plus one coverage: 2010/2011=82.8%; 2014/2015=94.1%*; 2018/2019=93.9%; 2022/2023=97.4%*
Family coverage: 2010/2011=82.1%; 2014/2015=96.1%*; 2018/2019=92.6%; 2022/2023=96.6%
*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 13 – Cumulative Growth Rates of Premiums for Employee Plus One Coverage

This graph depicts the cumulative growth rates of employee premiums (employee premium share) and employer premiums (employer premium share) for individuals with employee plus one coverage over the years 2008/2009 through 2022/2023.
2008/2009 is the starting point; employee premium share and employer premium share have no growth.
Employee Premium Share: 2008/2009=0.0%; 2010/2011=2.5%; 2010/2011=15.3%; 2011/2012=19.8%; 2012/2013=20.0%; 2014/2015=21.3%; 2014/2015=36.2%; 2015/2016=39.8%; 2016/2017=38.6%; 2018/2019=58.5%; 2018/2019= 75.0%; 2019/2020=86.0%; 2020/2021=83.2%; 2022/2023=77.2%; 2022/2023=85.7%
Employer Premium Share: 2008/2009=0.0%; 2010/2011=1.7%; 2010/2011=14.3%; 2011/2012=22.0%; 2012/2013=20.8%; 2014/2015=28.1%; 2014/2015=34.2%; 2015/2016=33.1%; 2016/2017=41.5%; 2018/2019=48.6%; 2018/2019= 53.8%; 2019/2020=55.0%; 2020/2021=63.6%; 2022/2023=75.0%; 2022/2023=81.0%
- 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.