Nevada state staff members need to pay a considerably bigger share of their health insurance coverage premiums than their counterparts in other states, a report released Tuesday stated.
Nevada is one of 11 states where employees covered a minimum of one-fourth of the expense of their premium in 2013– 26 percent by a Nevada worker and 74 percent by the state.
The average among all states is 16 percent for an employee, according to the report by the Pew Charitable Trusts and the John D. and Catherine T. MacArthur Foundation.
Hawaii requires state staff members to cover 42 percent of premium expenses. Workers in North Carolina should pay 38 percent and Louisiana 33 percent, the study said.
At the other end of the spectrum, North Dakota and Ohio cover all premiums for individual employees. Alaska and Iowa pay 97 percent, and 9 other states cover a minimum of 90 percent: Delaware, Idaho, Minnesota, Montana, New Hampshire, New Jersey, Oregon, Utah and Wyoming.
Maria Schiff, director of the trust’s State WellnessHealthcare Investing Task, stated she discovered the broad variation in state contributions to be the most surprising aspect in the study.
“There’s a 3-to-1 difference between the greatest and cheapest per-employee premiums,” Schiff said.
State officials raised some questions about the figures for Nevada however said they neededhad to do additional review prior to commenting.
“Having simply received the data today, we are evaluating the Nevada certain calculations in the report as a few of them are inconsistent with our internal numbers,” stated Jim Wells, executive officer of the Nevada Public Staff member Advantage Board.
Overall expenditures on Nevada’s state health plan have fallen about 10 percent from $250 million in 2011 to $225 million in 2013, the report said. Throughout the very same duration, state health plan spending country wide increased 2 percent to a total of $30.7 billion in 2013.
Average overall month-to-month wellness insurance coveragemedical insurance premiums for Nevada state staff members and their dependents last year totaled $939– slightly less than the average in all states of $963, the report said.
Employees with individual protection pay 19 percent of the premium, as compared to the national average of 13 percent. Those guaranteeing dependents cover 28 percent of the premium expense, compared to 20 percent country wide.
Nevada’s state workers have excellent protection based upon “strategy richness,” a phrase that mirrors the relative cost-sharing between an employer and workers when considering required deductibles, copayments and coinsurance, the report stated.
Nevada scored 91 percent in the category of typical actuarial value, right at the nationwide average of 92 percent. By comparison, the report said the plans readily available as part of national healthhealthcare reform scored about 70 percent. Most private company strategies are normally in the 80 percent variety.
About half of the states– including Nevada– provide insurance strategies without any deductible together with strategies that lug a minimum of a $1,500 deductible.