Download or read book The Erosion of Employment based Insurance written by Elise Gould and published by . This book was released on 2007 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Employment Based Health Insurance and the Changing Work Force written by Paul Fronstin and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the mid-1980s, the percentage of the U.S. nonelderly population (ages 18-64) with employment-based health insurance coverage has declined. In 1995, 63.8 percent of the nonelderly population was covered by an employment-based health insurance plan, compared with 69.2 percent in 1987. Analysts cite numerous factors as contributing to the erosion of employment-based health insurance. Primary among these factors are work force changes and rising health care costs coupled with stagnant wage growth.
Download or read book Private Health Insurance written by Michael Gutowski and published by DIANE Publishing. This book was released on 1998-04 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most Americans rely on private health insurance to help pay for medical expenses. During the past decade, private health insurance has undergone fundamental changes in who is covered, how much coverage costs, & the type of coverage Americans receive. This report provides information on major trends in the private health insurance market during the 1980s & 1990s. Specifically, it discusses the decline in private health insurance coverage & factors contributing to this decline, trends in health insurance premiums & reasons for these trends, & employers' efforts to control health benefit costs. Charts & tables.
Download or read book Private Health Insurance written by United States. General Accounting Office and published by . This book was released on 1997 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Employment Based Health Insurance for Children written by Paul Fronstin and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Between 1994 and 1997 the percentage of children covered by an employment-based health plan increased from 58.1 percent to 59.7 percent, after years of a steady erosion in coverage. As a result of the increase in the percentage of children with employment-based coverage and population growth, 1.8 million more children were covered by an employment-based health plan in 1997 than in 1994. The percentage of adults, both working and nonworking, covered by an employment-based health plan remained virtually constant over this period. The increase in the percentage of children with employment-based coverage is important to understand, for a number of reasons. First, policymakers and others have been puzzled by the overall increase in the number of uninsured persons during the recent period of strong U.S. economic growth. For example, a recent study found that fewer small employers offered health benefits in 1998 than in 1996 but was unable to explain why offer rates have fallen. This paper presents evidence that the strong economy is having a positive effect on health insurance coverage for children.
Download or read book Uninsured Unchanged in 2004 But Employment Based Health Coverage Declined written by Paul Fronstin and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The data provided in this paper provide an early look at the effect of a relatively weak labor market, combined with rising health benefit costs, on the number of individuals residing in the United States who have employment-based health benefits, who are covered by public programs, and who are uninsured in 2004. Initial findings indicate that the decline in the percentage of individuals with employment-based health benefits was due to the erosion of coverage among both workers and nonworkers. In response to the weak labor market and rising health benefit costs, small employers either continued to drop health benefits or required workers to pay more for health benefits when they were offered. Expected trends in health insurance and technical issues in counting the uninsured will be discussed more fully in EBRI's November 2005 Issue Brief titled Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2005 Current Population Survey.
Download or read book Employment based Health Insurance written by United States. General Accounting Office and published by . This book was released on 1997 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of the Recession on Employment Based Health Benefits written by Paul Fronstin and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the relationship between health benefits and union status and the impact of the recent recession on that relationship. Since union workers account for a declining share of the working population in the private sector, further erosion of unionization is likely to coincide with overall erosion in the percentage of workers with employment-based health benefits, despite the fact that union workers are more likely than nonunion workers to have health coverage through their job. Furthermore, any future decline in the size of the public sector that is unionized, or declines in the public sector in general in response to lower tax revenues, will only exacerbate the overall erosion in the percentage of workers with employment-based health benefits. Union workers are much more likely to have employment-based health benefits than nonunion workers. In 2009, 80.4 percent of union workers were covered by health benefits through their own job, compared with 52.2 percent of nonunion workers. Overall, 91 percent of union workers had coverage either through their own job or as a dependent, while 70.6 percent of nonunion workers had any employment-based coverage. In 2009, 5.6 percent did not have any health insurance coverage. Among nonunion workers, 20.2 percent were uninsured in 2009. Both union workers and nonunion workers were affected by the recession, but it affected nonunion workers more than union workers. Union workers covered through their own job fell from 82 percent to 80.4 percent between 2007 and 2009, a 2 percent decline. In contrast, the percentage of nonunion workers with coverage through their own job fell from 55.9 percent to 52.2 percent, a 6.5 percent decline. Overall, the percentage of union workers with any employment-based coverage fell from 93.4 percent to 91 percent (a 2.6 percent decline), while among nonunion workers it fell from 74.3 percent to 70.6 percent (a 5 percent decline). Differences in reasons for being uninsured are also examined for union and nonunion workers. The analysis ends with a discussion of trends in premiums. The PDF for the above title, published in the July 2011 issue of EBRI Notes, also contains the fulltext of another July 2011 EBRI Notes article abstracted on SSRN: “Capping Tax-Preferred Retirement Contributions: Preliminary Evidence of the Impact of the National Commission on Fiscal Responsibility and Reform Recommendations.”
Download or read book After Years of Erosion Mid Size and Some Small Employers Added Health Coverage in 2016 written by Paul Fronstin and published by . This book was released on 2017 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: This EBRI Notes article examines the percentage of employers offering health insurance from 2008-2016 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. Since 2008, the percentage of coverage-offering employers with 1,000 or more employees has been consistently near or above 99 percent--it reached 99.8 percent in 2016--but smaller firms 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.But over the last year, perhaps with the strengthening economy and lower unemployment rates, there is evidence of what may be a rebound in employment-based coverage offer rates among firms with 10-999 employees. More specifically, from 2015-2016:For employers with 10-24 employees, those offering health benefits increased from 48.9 percent to 49.4 percent. For employers with 25-99 employees, those offering health benefits increased from 73.5 percent to 74.6 percent. For employers with 100-999 employees, those offering health benefits increased from 95.1 percent to 96.3 percent. For these employers, this trend actually began a year earlier, when the offer rate increased from 92.5 percent in 2014 to 95.1 percent in 2015.This paper discusses the context for the recent rebound and suggests factors that may influence future trends.
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 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 Public Opinion on the Future of Employment Based Health Benefits written by Paul Fronstin and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines public opinion surrounding the future of employment-based health coverage. Data come from the EBRI/MGA 2011 Health Confidence Survey (HCS), a survey that examines a broad spectrum of health care issues, including Americans' satisfaction with health care today, their confidence in the future of the health care system and the Medicare program, and their attitudes toward health care reform. Enactment of the Patient Protection and Affordable Care Act (PPACA) of 2010 has raised many questions about whether employers will continue to offer health coverage in the future. In 2014, state-based health insurance exchanges will be available to individuals without employment-based coverage. These exchanges change the playing field in that workers will no longer need to rely on their employer to obtain health coverage. Workers will benefit from a number of insurance market reforms, such as guaranteed issue, modified community rating, subsidies, and increased choice of health plan. Over the long-term, public confidence that employers and unions will continue to offer health coverage has fallen. In 2011, 57 percent of individuals with employment-based coverage were extremely or very confident that their employer or union would continue to offer health coverage, down from 68 percent in 2000. Most of the erosion in confidence occurred between 2000 and 2002. Individuals have a low level of confidence that they can afford to purchase health coverage on their own even if their employer or union gave them the money to do so. In 2011, 20 percent were extremely or very confident that they could afford to purchase coverage; 30 percent were somewhat confident; and 48 percent were not too or not at all confident. According to the 2011 HCS, individual confidence in one's ability to compare different plan options and choose the best plan is neither high nor low. When it comes to confidence levels in an objective rating system being able to help an individual choose the best available plan, again, most people are somewhere in the middle. The vast majority of the population, 62 percent, reported that they were not at all familiar with health insurance exchanges, a key provision in the health reform law of 2010 (PPACA). However, the public does have opinions about the oversight of them: A majority of the population is not confident in the ability of the federal or state governments to run the exchanges, and 42 percent are not confident in private insurers' ability to run them. The PDF for the above title, published in the November 2011 issue of EBRI Notes, also contains the fulltext of another November 2011 EBRI Notes article abstracted on SSRN: “How Do Financial Literacy and Financial Behavior Vary by State?”
Download or read book Insuring America s Health written by Institute of Medicine and published by National Academies Press. This book was released on 2004-02-14 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the Census Bureau, in 2003 more than 43 million Americans lacked health insurance. Being uninsured is associated with a range of adverse health, social, and economic consequences for individuals and their families, for the health care systems in their communities, and for the nation as a whole. This report is the sixth and final report in a series by the Committee on the Consequences of Uninsurance, intended to synthesize what is known about these consequences and communicate the extent and urgency of the issue to the public. Insuring America's Health recommends principles related to universality, continuity of coverage, affordability to individuals and society, and quality of care to guide health insurance reform. These principles are based on the evidence reviewed in the committee's previous five reports and on new analyses of past and present federal, state, and local efforts to reduce uninsurance. The report also demonstrates how those principles can be used to assess policy options. The committee does not recommend a specific coverage strategy. Rather, it shows how various approaches could extend coverage and achieve certain of the committee's principles.
Download or read book America s Uninsured Crisis written by Institute of Medicine and published by National Academies Press. This book was released on 2009-07-01 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: When policy makers and researchers consider potential solutions to the crisis of uninsurance in the United States, the question of whether health insurance matters to health is often an issue. This question is far more than an academic concern. It is crucial that U.S. health care policy be informed with current and valid evidence on the consequences of uninsurance for health care and health outcomes, especially for the 45.7 million individuals without health insurance. From 2001 to 2004, the Institute of Medicine (IOM) issued six reports, which concluded that being uninsured was hazardous to people's health and recommended that the nation move quickly to implement a strategy to achieve health insurance coverage for all. The goal of this book is to inform the health reform policy debateâ€"in 2009â€"with an up-to-date assessment of the research evidence. This report addresses three key questions: What are the dynamics driving downward trends in health insurance coverage? Is being uninsured harmful to the health of children and adults? Are insured people affected by high rates of uninsurance in their communities?
Download or read book EBRI Issue Brief written by and published by . This book was released on 2009 with total page 444 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book For Profit Enterprise in Health Care written by Institute of Medicine and published by National Academies Press. This book was released on 1986-01-01 with total page 580 pages. Available in PDF, EPUB and Kindle. Book excerpt: "[This book is] the most authoritative assessment of the advantages and disadvantages of recent trends toward the commercialization of health care," says Robert Pear of The New York Times. This major study by the Institute of Medicine examines virtually all aspects of for-profit health care in the United States, including the quality and availability of health care, the cost of medical care, access to financial capital, implications for education and research, and the fiduciary role of the physician. In addition to the report, the book contains 15 papers by experts in the field of for-profit health care covering a broad range of topicsâ€"from trends in the growth of major investor-owned hospital companies to the ethical issues in for-profit health care. "The report makes a lasting contribution to the health policy literature." â€"Journal of Health Politics, Policy and Law.
Download or read book A Shared Destiny written by Institute of Medicine and published by National Academies Press. This book was released on 2003-03-05 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Shared Destiny is the fourth in a series of six reports on the problems of uninsurance in the United States. This report examines how the quality, quantity, and scope of community health services can be adversely affected by having a large or growing uninsured population. It explores the overlapping financial and organizational basis of health services delivery to uninsured and insured populations, the effects of community uninsurance on access to health care locally, and the potential spillover effects on a community's economy and the health of its citizens. The committee believes it is both mistaken and dangerous to assume that the persistence of a sizable uninsured population in the United States harms only those who are uninsured.
