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Survey:Women Pay More Than Men for Healthcare Benefits

maleandfemaleWomen who work at companies which are predominantly women pay more for healthcare benefits and receive less coverage, according to preliminary research from Mercer L.L.C. Researchers used findings from Mercer’s National Survey of Employer-Sponsored Health Plans to compare workforces that are predominantly male and predominantly female. Mercer’s preliminary findings revealed that predominantly female workforces on average pay significantly more in premiums and deductibles.

The preliminary results for the National Survey of Employer-Sponsored Health Plans used 2013 information from 2,842 employers. Mercer’s researchers found that about half of the predominantly female companies are in healthcare, and about one-quarter are in the services sector. The predominantly male companies are found to be mostly in the manufacturing sector.

Key Findings from the Survey:

Mercer’s researchers compared premiums, deductibles, and out-of-pocket amounts for predominantly male and female companies. Companies with workforces of at least 65 percent women were considered predominantly women, while workforces with at least 65 percent men were considered predominantly men.

  • Total healthcare benefits costs per employee in 2013 for predominantly female workforces was less on average ($11,196) than for predominantly male workforces ($11,521)

  • The average family out-of-pocket maximum in mostly female workforces was $5,709 while for mostly male workforces it was $5,364

  • The average individual out-of-pocket maximum was $2,668 for mostly female workforces vs $2,413 for mostly male workforces

  • The average contribution for an individual in a preferred provider organization (PPO) was $123 for mostly female workforces compared with $109 for mostly male workforces

  • The average PPO contribution for a family in mostly female workforces was $442 for mostly female workforces compared with $338 for mostly male workforces

  • The average in-network individual deductible was $727 is mostly female workforces, compared with $557 in mostly male workforces

  • The average family deductible in mostly female workforces was $1,614 compared with $1,318 for mostly male workforces

Additional Resources:

Health Insurance Marketplace Ads Targeting Women - Effective or Not?

Survey: Large Employers Shifting Healthcare Costs to Employees

Small Businesses Concerned with ACA Compliance and Cost-Mitigation

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