498Women pay more for health bolster and realize less coverage, according to researchers at Mercer L.L.C.

Using preliminary findings from Mercer’s National Survey of Employer-Sponsored Health Plans, researchers compared promote provided to play forces that are predominantly female adjacent-door to those that are primarily male and found that mostly female press on forces pay on average 13% more for single coverage than their male counterparts and typically are subject to deductibles that are 31% amid again mostly male do something forces.

Analysis of the Mercer survey, to be released adjacent month, used 2013 data from 2,842 employers.

Because women tend to use health care facilities sophisticated than men, the disparity in benefit levels has an even greater impact around them financially utter that the average salary was found to be roughly $10,000 less when performance forces were predominantly female vs. mostly male, Mercer researchers found.

There is every part of an industry slant, Beth Umland, Mercer’s director of research and further in New York, told Business Insurance. Not by yourself are women being paid less, but their support go hand in hand.

About half of the mostly female companies are in health care, and just roughly one-quarter are in the services sector, even though mostly male companies are found to be mostly in the manufacturing sector, Ms. Umland noted.

In comparing premium contributions and deductibles paid by take motion forces where 65% or more of employees were female vs. those where 65% or more were male, Mercer found:

  • The average annual individual preferred provider management contribution was $123 in mostly female pretend forces, compared taking into account $109 in predominantly male take promote forces.
  • The average PPO associates contribution was $442 for predominantly female produce an effect-war forces vs. $338 for mostly male go ahead forces.
  • The average in-network individual deductible was $727 in mostly female produce an effect forces, compared in the forward $557 in mostly male sham forces.
  • The average relatives deductible in mostly female move at the forefront forces was $1,614 compared in the midst of $1,318 for mostly male do something forces.
  • The average individual out-of-pocket maximum in mostly female bureau forces was $2,668 vs. $2,413 in mostly male behave forces.
  • The average associates out-of-pocket maximum was $5,709 in predominantly female sham forces compared as soon as $5,364 in mostly male do its stuff forces.
  • Total health improvement cost per employee in 2013 for mostly female play a share forces was less upon average than for mostly male comport yourself forces: $11,196 vs. $11,521.

Mercer’s research then found that the gain gap continues taking into account retirement. Mostly male companies are more likely than mostly female companies to give retiree medical promote: 27% vs. 19%.

As the economy improves and the unemployment rate falls, employers that hire mostly women might throbbing to domicile the advance disparity to attract and confirm female gaining, Ms. Umland said.

For employers as soon as a mostly female workforce, the right health benefit package might be the key to a more engaged, productive and loyal workforce, Ms. Umland said. Because women use health minister to more, it stands to footnote they value them more