Download or read book After Years of Erosion More Employers are Offering Health Coverage Worker Eligibility Higher written by Paul Fronstin and published by . This book was released on 2018 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the percentage of employers offering health insurance from 2008-2017 to better understand how health insurance offer rates may have been affected by the Patient Protection and Affordable Care Act of 2010 (ACA), the Great Recession of 2007-2009, and the subsequent economic recovery. The data come from the Medical Expenditure Panel Survey-Insurance Component (MEPS-IC). Many employers were expected to drop workplace health insurance with the introduction of the ACA, and some have done so. Since 2008, the percentage of employers with 1,000 or more employees offering health benefits to workers has been consistently near or above 99 percent -- it reached 99.8 percent in 2016 -- but smaller establishments have shown a steady, though not precipitous, decline in offer rates. For the smallest employers studied, those with fewer than 10 employees, the offer rate declined from 22.7 percent in 2015 to 21.7 percent in 2016. However, in 2017, the overall percentage of private-sector employers offering health benefits increased for the first time since 2008. In 2008, 56.4 percent of private-sector employers offered health benefits. By 2016, it was down to 45.3 percent. It then increased to 46.9 percent in 2017. There have been years before 2017 when offer rates increased in various specific establishment size segments, perhaps due to the strengthening economy and lower unemployment rates. More specifically: For employers with less than 10 employees, those offering health benefits increased from 21.7 percent to 23.5 percent between 2016 and 2017. For employers with 10-24 employees, those offering health benefits increased from 48.9 percent to 49.4 percent between 2015 and 2016. For employers with 25-99 employees, those offering health benefits increased from 73.5 percent to 74.6 percent between 2015 and 2016. For employers with 100-999 employees, those offering health benefits increased from 92.5 percent to 96.3 percent between 2014 and 2016. This paper discusses the context for the recent rebound and suggests factors that may influence future trends.

Download or read book Expanding Employment based Health Coverage written by Sharon Silow-Carroll and published by . This book was released on 2001 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Access to Adequate Health Insurance written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2004 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employment and Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 1993-02-01 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.

Download or read book The Uninsured and Affordable Health Care Coverage written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Health and published by . This book was released on 2002 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employersponsored health and retirement benefits efforts to control employer costs and the implications for workers report written by and published by DIANE Publishing. This book was released on with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Retiree health benefits employersponsored benefits may be vulnerable to further erosion written by and published by DIANE Publishing. This book was released on 2001 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Health Insurance Coverage for 55 to 64 year olds written by United States. Congress. Senate. Committee on Labor and Human Resources and published by . This book was released on 1998 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Health Care Choice Act written by Elizabeth Pendo and published by . This book was released on 2009 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: Traditionally, employer-sponsored group insurance plans have been the backbone of health insurance coverage in the United States. While it is still true that most Americans get their health insurance through their employment, the erosion of employer-sponsored health insurance has increased the ranks of the uninsured and pushed more workers, retirees and their families into the individual insurance market. In 2005, for example, nine percent of the population, or nearly 27 million people, turned to individual policies for health insurance coverage. The Health Care Choice Act of 2005 (the quot;Actquot;) currently before Congress aims to reform perceived problems in the individual market, and is touted as part of the solution to the problem of the uninsured. It purports to allow individuals who are not eligible for or cannot afford group coverage to purchase an individual policy in and from any state. If passed, the Act would allow health insurers to offer individual policies of insurance from any state without being required to comply with the laws of the insured's state. Its proponents claim that it would lower the cost of individual health insurance by bypassing state laws such as those mandating benefits, and offer consumers more choice.It does not appear that the Act would lower costs for most purchasers, increase meaningful choices, or reduce the overall number of uninsured. Moreover, the Act would permit health insurers to sell policies from the states with the fewest consumer protections, and to market and sell those policies to consumers in all other states. This would erode important consumer protections under state law and undercut the role of the states in regulating health insurance products and protecting their citizens. Worse, the Act could increase the existing problem of fragmentation in the individual and broader insurance markets and divert attention away from systemic issues such as the increasingly high cost of health care, and the growing crisis of un- and under-insurance. Indeed, the Act can be seen as an example of the larger political approach to health care policy, one focused on individual, market-based solutions that undermine the concept of health insurance as an expression of social solidarity and collective responsibility.

Download or read book Social Security Bulletin written by and published by . This book was released on 2000 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Private Health Insurance written by and published by . This book was released on 1998 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Health Benefits at Work written by Mark V. Pauly and published by University of Michigan Press. This book was released on 1999-06-04 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Who really pays for health benefits? An accessible explanation of the economic theory behind this question

Download or read book Tax Expenditures December 2006 109 2 Committee Print S Prt 109 072 written by and published by . This book was released on 2007 with total page 810 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Internal Revenue Cumulative Bulletin written by United States. Internal Revenue Service and published by . This book was released on 2007 with total page 820 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book ERISA a Quarter Century of Providing Workers Health Insurance written by United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations and published by . This book was released on 1999 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Challenges to Employer Efforts to Preserve Retiree Health Care Benefits written by United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations and published by . This book was released on 2005 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employer Sponsored Health and Retirement Benefits written by Barbara Bovbjerg and published by DIANE Publishing. This book was released on 2007-12 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.