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September 2004
 Employee Health
Benefits 2004 Annual Survey
Employer-sponsored
health insurance reaches more than three out of every five
nonelderly Americans. To provide current information about the
nature of employer-provided health benefits, the Kaiser Family
Foundation (KFF) and the Health Research and Educational Trust (HRET)
conduct an annual national survey of private and public employers
of three or more workers. Kaiser and HRET have been conducting the
survey jointly since 1999. Prior to this, the survey was conducted
by the Health Insurance Association of America (HIAA) and Bearing
Point (formerly KPMG). Findings in this report draw on the
1999-2004 Kaiser/HRET Survey of Employer-Sponsored Health
Benefits, the 1993, 1996, and 1998 KPMG Surveys of
Employer-Sponsored Health Benefits, and the 1988, 1989 and 1990
studies conducted by HIAA.
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