Learn about health benefitsHSAs: A best kept financial secret
1. Share the cost
The premium—the amount paid to the insurance company each month for coverage—is typically shared by the employer and employees. On average, employers contributed 82% of the premium for employee-only coverage, and 66% for family coverage in 2018.1 Among small firms (3-199 employees), about one-third of workers contributed more than 50% of the total family premium.
(Note: Some insurance carriers or states require employers to cover up to 50 percent of the premium for employee-only coverage. Ask the carrier or agent about minimum funding requirements in your state.)