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The End of Employer-Provided Health Insurance
How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to i...
Employer-sponsored Health Insurance and Worker Productivity
"Health insurance for the working population of the United States is largely provided through employers primarily because of favorable income tax treatments and employment laws that encourage employers, large or small, to provide health insurance to their employees. In fact, a recent survey shows that employer-sponsored insurance covers over 50% of the non-elderly population of the United States, 57% of firms offered health benefits to employees, and 63% of workers accepted the coverage. This dissertation addresses several interesting questions raised by this situation. First, why do some firms offer health insurance to their employees whereas others do not? Second, what determines the numbe...
Employer-sponsored Health Insurance for Large Employers in the Private Sector, by Industry Classification, 2009
Employer-sponsored health insurance for current workers is one of the primary sources of health insurance coverage in the United States. According to data from the Insurance Component of the 2009 Medical Expenditure Panel Survey (MEPS-IC), approximately 96.8 million of the 110.5 million private sector employees worked in firms where the employer offered health insurance. Of those employees, approximately 59.1 million enrolled in a health insurance plan. About 80.7 million employees (73 percent) worked for large private sector employers in 2009 across eight industry classifications (figure 1) and approximately 48.6 million of them were enrolled. This Statistical Brief presents estimates, by i...
Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2009
Employer-sponsored health insurance for current workers is one of the primary sources of health insurance coverage in the United States. According to data from the Insurance Component of the 2009 Medical Expenditure Panel Survey (MEPS-IC), approximately 96.8 million of the 110.5 million employees from the private sector worked in firms where the employer offered health insurance. Of those employees who worked where health insurance was offered, approximately 59.1 million were enrolled. About 29.8 million employees (27 percent) worked for small private sector employers in 2009 across eight industry classifications (figure 1) and approximately 10.6 million of them were enrolled. This Statistic...
Employer-Sponsored Health and Retirement Benefits
Many U.S. workers receive health & pension benefits from employers, & the cost of these benefits represents a growing share of workers¿ total compensation. Employers have made changes to control these rising costs, contending that these changes will allow them to remain competitive in an increasingly global market. This report examines the practices employers are using to control the costs of benefits. To evaluate changing employer benefit practices & their implications, the author examined: (1) current & emerging practices employers are using to control the costs of health care benefits, & retirement benefits; & (2) employers¿ workforce restructuring changes. Charts & tables.
Employer-sponsored Health Insurance for Part-time Employees in the Private Sector, 2005 Versus 2010
Employer-sponsored health insurance is an especially valuable employment benefit for part-time employees who work less than 40 hours per week. Although some part-time workers are offered health insurance, it may not be affordable. As a result of the Patient Protection and Affordable Care Act, beginning in 2014, state-based health insurance exchanges will offer a choice of plans with coverage for part-time employees, along with others, who do not currently receive insurance through their employers. This Statistical Brief examines trends and variation in availability of employer-sponsored health insurance for part-time employees in the private sector by firm size using data from the 2005 and 2010 Medical Expenditure Panel Survey Insurance Component (MEPS-IC). Only differences between estimates at the 0.05 percent significance level are noted in the text.
The Impact of Employer-Sponsored Health Insurance on Labor Market Outcomes
The US does not have universal healthcare coverage for all its citizens. Instead, institutions have been cobbled together, with coverage varying from person to person. Some forms of health insurance are part of the compensation for employment, while others can be accessed whether the person is employed or not. Employers and the government provide most people their health insurance. The Affordable Care Act has mandated all employers with at least 50 full time employees to cover the health insurance of at least 95 percent of the employees. This coverage is borne as a cost by the employer. My thesis uses longitudinal data from the March Current Population Survey (CPS) conducted by the Census for the Bureau of Labor Statistics (which includes individual-level responses to many demographic and socioeconomic questions) to estimate the impact of insurance cost by observing two sets of time periods (before the mandate is imposed and after the mandate is imposed) to study what has been the impact on variables such as wages, for people who are the heads of their households and what the variation is based on (such as race, age, level of education, and marital status).
Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2006
Employer-sponsored health insurance for current workers is one of the primary sources of health insurance coverage in the United States. According to data from the Insurance Component of the 2006 Medical Expenditure Panel Survey (MEPS-IC), approximately 99.7 million of the 114.7 million employees from the private sector worked in firms where the employer offered health insurance. Of those employees who worked where health insurance was offered, approximately 60.6 million were enrolled. This Statistical Brief presents estimates, by industry classification, on the percentage of employees who worked for small private sector employers (firms with fewer than 50 employees) who offered health insur...
