The modest 2013 increases in employer-sponsored health-insurance premiums have struck a favorable balance for both insurers and buyers, as insurers enjoy some premium growth, but not at the destructive levels seen in years past.
Rates were up by about 5 percent for single coverage and 4 percent for family coverage in 2013, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey.
A Moody's analysis of the survey, written by Moody's Senior Vice President Steve Zaharuk, cites three typical factors that influence health insurance premium growth: medical inflation, growth in medical utilization and benefit inflation.
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