Employer Sponsored Health Insurance

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The End of Employer-Provided Health Insurance

Author : Paul Zane Pilzer
Publisher : John Wiley & Sons
ISBN 13 : 1119012112
Total Pages : 288 pages
Book Rating : 4.1/5 (19 download)

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Book Synopsis The End of Employer-Provided Health Insurance by : Paul Zane Pilzer

Download or read book The End of Employer-Provided Health Insurance written by Paul Zane Pilzer and published by John Wiley & Sons. This book was released on 2014-11-17 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.

Estimates of Federal Tax Expenditures

Author : United States. Department of the Treasury
Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Estimates of Federal Tax Expenditures by : United States. Department of the Treasury

Download or read book Estimates of Federal Tax Expenditures written by United States. Department of the Treasury and published by . This book was released on 1975 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Employment and Health Benefits

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309048273
Total Pages : 381 pages
Book Rating : 4.3/5 (9 download)

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Book Synopsis Employment and Health Benefits by : Institute of Medicine

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.

Health Insurance is a Family Matter

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309169054
Total Pages : 296 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Health Insurance is a Family Matter by : Institute of Medicine

Download or read book Health Insurance is a Family Matter written by Institute of Medicine and published by National Academies Press. This book was released on 2002-09-18 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.

Care Without Coverage

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309083435
Total Pages : 213 pages
Book Rating : 4.3/5 (9 download)

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Book Synopsis Care Without Coverage by : Institute of Medicine

Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

The Affordable Care Act

Author : Tamara Thompson
Publisher : Greenhaven Publishing LLC
ISBN 13 : 0737771496
Total Pages : 130 pages
Book Rating : 4.7/5 (377 download)

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Book Synopsis The Affordable Care Act by : Tamara Thompson

Download or read book The Affordable Care Act written by Tamara Thompson and published by Greenhaven Publishing LLC. This book was released on 2014-12-02 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.

Health Benefits Coverage Under Federal Law--.

Author :
Publisher :
ISBN 13 :
Total Pages : 108 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis Health Benefits Coverage Under Federal Law--. by :

Download or read book Health Benefits Coverage Under Federal Law--. written by and published by . This book was released on 2010 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Employer-based Health Insurance

Author : United States. General Accounting Office
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Employer-based Health Insurance by : United States. General Accounting Office

Download or read book Employer-based Health Insurance written by United States. General Accounting Office and published by . This book was released on 1992 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Coverage Matters

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309076099
Total Pages : 204 pages
Book Rating : 4.3/5 (9 download)

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Book Synopsis Coverage Matters by : Institute of Medicine

Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.

Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2006

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (243 download)

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Book Synopsis Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2006 by :

Download or read book Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2006 written by and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 insurance and of employees working in such firms who enrolled in offered health insurance plans. The brief also provides estimates on average premiums and the average employee contributions towards premiums for single coverage and for family coverage. Only those estimates that had a statistically significant difference from the national average at the 0.05 percent significance level are noted in the text. Although a large percentage of private sector employees worked where health insurance was offered in 2006, small private sector employers were much less likely to offer health insurance than other firms or governments. Among these small employers, the offer and enrollment rates varied considerably by industry.

The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act

Author : Nan L. Maxwell
Publisher : W.E. Upjohn Institute
ISBN 13 : 0880994266
Total Pages : 208 pages
Book Rating : 4.8/5 (89 download)

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Book Synopsis The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act by : Nan L. Maxwell

Download or read book The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act written by Nan L. Maxwell and published by W.E. Upjohn Institute. This book was released on 2014-05-14 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: And Discussion4: How Large Firms Might Respond to the ACA; The ACA and Increasing Costs; Large Firms' Behavior as a Response to Increasing Costs; Past Behavior and Potential Increased Health Care Costs; Summary and Discussion; 5: How Small Firms Might Respond to the ACA; The ACA and Small Firms; Small Firms That Did Not Offer ESI; Small Firms That Offered ESI; Summary and Discussion; 6: Health Policy and Firm Behavior; Analyzing Incentives for Firms to Offer ESI; Firms' Prereform Behavior; Three Characteristics of Employer-Sponsored Insurance in the Prereform Period

Employer-sponsored Health Insurance for Large Employers in the Private Sector, by Industry Classification, 2009

Author : Karen E. Davis
Publisher :
ISBN 13 :
Total Pages : 7 pages
Book Rating : 4.:/5 (732 download)

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Book Synopsis Employer-sponsored Health Insurance for Large Employers in the Private Sector, by Industry Classification, 2009 by : Karen E. Davis

Download or read book Employer-sponsored Health Insurance for Large Employers in the Private Sector, by Industry Classification, 2009 written by Karen E. Davis and published by . This book was released on 2011 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 industry classification, on the percentage of employees who worked for large private employers (firms with 50 or more employees) who offered health insurance and of employees working in such firms who enrolled in offered health insurance plans. The Brief also provides estimates on average premiums and the average employee contributions towards premiums for single coverage and for family coverage. Only those estimates that had a statistically significant difference from the national average at the 0.05 percent significance level are noted in the text.

Health-Care Utilization as a Proxy in Disability Determination

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 030946921X
Total Pages : 161 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine

Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2009

Author : James M. Branscome
Publisher :
ISBN 13 :
Total Pages : 7 pages
Book Rating : 4.:/5 (732 download)

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Book Synopsis Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2009 by : James M. Branscome

Download or read book Employer-sponsored Health Insurance for Small Employers in the Private Sector, by Industry Classification, 2009 written by James M. Branscome and published by . This book was released on 2011 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 Statistical Brief presents estimates, by industry classification, on the percentage of employees who worked for small private employers (firms with fewer than 50 employees) who offered health insurance and of employees working in such firms who enrolled in offered health insurance plans. The Brief also provides estimates on average premiums and the average employee contributions towards premiums for single coverage and for family coverage. Only those estimates that had a statistically significant difference from the national average at the 0.05 percent significance level are noted in the text. Although a large percentage of private sector employees worked where health insurance was offered in 2009, small private sector employers were much less likely to offer health insurance than other firms or governments. Among these small employers, the offer and enrollment rates varied considerably by industry.

Employer-sponsored Health Insurance

Author : Mark W. Stanton
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Employer-sponsored Health Insurance by : Mark W. Stanton

Download or read book Employer-sponsored Health Insurance written by Mark W. Stanton and published by . This book was released on 2004 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This report is intended to answer questions that might arise during discussions about options for affordable health insurance coverage. Based on data obtained by the Federal Agency for Healthcare Research and Quality (AHRQ) in the Medical Expenditure Panel Survey (MEPS), an ongoing series of annual surveys, it answers the questions: What are the recent trends in offer, eligibility, and enrollment rates?; What impact does firm size have on whether or not employers offer health insurance?; What factors affect whether employees enroll in insurance programs?; Who is less likely to have employer-sponsored insurance?

Evolving Beyond Traditional Employer-sponsored Health Insurance

Author : Hamilton Project
Publisher :
ISBN 13 :
Total Pages : 7 pages
Book Rating : 4.:/5 (185 download)

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Book Synopsis Evolving Beyond Traditional Employer-sponsored Health Insurance by : Hamilton Project

Download or read book Evolving Beyond Traditional Employer-sponsored Health Insurance written by Hamilton Project and published by . This book was released on 2007 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Impact of Employer-Sponsored Health Insurance on Labor Market Outcomes

Author : Avantika Kapoor
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.:/5 (133 download)

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Book Synopsis The Impact of Employer-Sponsored Health Insurance on Labor Market Outcomes by : Avantika Kapoor

Download or read book The Impact of Employer-Sponsored Health Insurance on Labor Market Outcomes written by Avantika Kapoor and published by . This book was released on 2021 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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).