Twenty-nine percent of covered workers in small firms are in a plan where the employer pays the entire premium for single coverage, compared to only 5% of covered workers in large firms. Covered workers in firms with a relatively large share of younger workers (where at least 35% of workers are age 26 or younger) have higher average contribution rates for single coverage (23% vs. 17%) and for family coverage (35% vs. 28%) than those in firms with a smaller share of younger workers. Covered workers at private for-profit firms on average contribute a higher percentage of the premium for both single and family coverage than covered workers at other firms, while covered workers in public firms on average contribute a lower percentage of the premium for both single and family coverage. Covered workers in firms with a relatively large share of lower-wage workers have higher average contribution rates for family coverage than those in firms with a smaller share of lower-wage workers (35% vs. 27%). Covered workers in small firms on average contribute a higher percentage of the premium for family coverage than covered workers in large firms (24% vs. 37%). On average, covered workers contribute 17% of the premium for single coverage and 28% of the premium for family coverage. Most covered workers make a contribution toward the cost of the premium for their coverage. In contrast, the average premiums for covered workers enrolled in PPOs are higher that the overall average premiums for single ($8,092) and family coverage ($23,312).įigure B: Average Annual Worker and Employer Premium Contributions for Single and Family Coverage, by Plan Type, 2021 The average premiums for covered workers in high-deductible health plans with a savings option (HDHP/SO) are lower that the overall average premiums for single coverage ($7,016) and family coverage ($20,802). The average premiums for covered workers in firms with a relatively large share of lower-wage workers (where at least 35% of the workers earn $28,000 annually or less) are lower than the average premiums for covered workers in firms with a smaller share of lower-wage workers for single coverage ($7,156 vs. $7,796) and family coverage ($20,315 vs. $22,407) 3. Ĭovered workers in small and large firms have similar premiums for single coverage ($7,813 vs. $7,709) and family coverage ($21,804 vs. $22,389). The average premium for family coverage has increased 22% over the last five years and 47% over the last ten years. During this period, workers’ wages increased 5% and inflation increased 1.9%. The average single and family premiums increased 4% over the past year. In 2021, the average annual premiums for employer-sponsored health insurance are $7,739 for single coverage and $22,221 for family coverage. The journal editor says my research findings are not novel.HEALTH INSURANCE PREMIUMS AND WORKER CONTRIBUTIONS.How do I identify and describe any two different ways of reporting scientific findings?.Another example is scope versus delimitations, as you may find out in this resource.įor more information on findings/results, you may refer to the following resources: However, in a real-world situation, they are used interchangeably and the difference between them is more academic. For example, in a behavioral study, you may say ‘ It was found that when service executives aimed to build rapport with customers, it led to purchases 72% of the time compared with 38% of the time when no rapport was built.’ On the other hand, for a chemical study, you may say ‘ The combination of X and Y results in reaction Z.’ For more information on this distinction, you may refer to this document.Īs a side note, there are many such terms in research that have a ‘hairline’ difference between them. Technically or academically speaking, ‘findings’ seems to be used more for qualitative studies whereas ‘results’ seems to be used more for quantitative studies. So, if you have used ‘findings’ the first time, you need to use only that throughout the paper and not switch back and forth between ‘findings’ and ‘results’. However, it helps to be consistent throughout the paper. In most papers, they are used interchangeably. Generally speaking, there is no real difference between the two.
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