Collectively Bargained Health Plans More Comprehensive Less Cost Sharing Than Employer Plans
Author: Jon R. Gabel, Heidi Whitmore, Jennifer L. Satorius, Jeremy Pickreign, Sam T. Stromberg
National statistics on the cost and provisions of collectively bargained health plans show them to have similar single premiums, but lower family premiums, compared to employer-based plans not subject to collective bargaining. Union members contribute 4 percent and 6 percent of the cost of their premiums for single and family coverage, respectively, versus 18 percent and 29 percent for workers in employer-based plans. Cost sharing in collectively bargained plans is considerably less than in employer-based plans; coverage for prescription drugs is similar.