Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
Examining Innovative Health Insurance Options For Workers And Employers
Download Examining Innovative Health Insurance Options For Workers And Employers full books in PDF, epub, and Kindle. Read online Examining Innovative Health Insurance Options For Workers And Employers ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
Author :United States. Congress Publisher :Createspace Independent Publishing Platform ISBN 13 :9781985319660 Total Pages :58 pages Book Rating :4.3/5 (196 download)
Book Synopsis Examining Innovative Health Insurance Options for Workers and Employers by : United States. Congress
Download or read book Examining Innovative Health Insurance Options for Workers and Employers written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-02-13 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examining innovative health insurance options for workers and employers : hearing before the Subcommittee on Employer-Employee Relations of the Committee on Education and the Workforce, U.S. House of Representatives, One Hundred Eighth Congress, second session, June 24, 2004.
Author :United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations Publisher : ISBN 13 : Total Pages :68 pages Book Rating :4.F/5 ( download)
Book Synopsis Examining Innovative Health Insurance Options for Workers and Employers by : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations
Download or read book Examining Innovative Health Insurance Options for Workers and Employers 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 2004 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations Publisher : ISBN 13 :9781422305607 Total Pages :54 pages Book Rating :4.3/5 (56 download)
Book Synopsis Examining Innovative Health Insurance Options for Workers and Employers by : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations
Download or read book Examining Innovative Health Insurance Options for Workers and Employers 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 2006-05 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Witnesses: William Dennis Jr., Sr. Research Fellow, Nat. Fed. of Independent Business (NFIB), Wash., DC; Frank McArdle, Ph.D., Manager, Wash., DC Research Office, Hewitt Associates; Ron Pollack, Exec. Dir., Families USA, Wash., DC; Rick Remmers, CEO, Humana, Inc. -- Kentucky, Louisville, KY; & Rep. Robert E. Andrews from NJ, Ranking Member, & Sam Johnson from TX, Chmn., Subcomm. on Employer-Employee Relations, Comm. on Education & the Workforce.
Author :United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions Publisher : ISBN 13 : Total Pages :120 pages Book Rating :4.F/5 ( download)
Book Synopsis Examining Innovative Approaches to Covering the Uninsured Through Employer-provided Health Benefits by : United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions
Download or read book Examining Innovative Approaches to Covering the Uninsured Through Employer-provided Health Benefits written by United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions and published by . This book was released on 2007 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
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.
Book Synopsis Reinsuring Health by : Katherine Swartz
Download or read book Reinsuring Health written by Katherine Swartz and published by Russell Sage Foundation. This book was released on 2006-05-11 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's current system of health insurance, which relies almost exclusively on employer-sponsored coverage, is in danger of collapse, and this problem is not limited to the poor and working class. An increasing number of middle class Americans do not have employer-provided insurance and—due to skyrocketing premiums—cannot afford to purchase coverage for themselves. Reinsuring Health, by economist Katherine Swartz, examines this growing national crisis and outlines a concrete plan to make health insurance accessible and affordable for all Americans. Reinsuring Health documents why the number of uninsured Americans—now 45.5 million people—has grown in the last twenty-five years. Swartz focuses on how labor market changes—such as the decline of domestic manufacturing, decreased unionization, and the growth of non-standard work arrangements—have led U.S. employers to retreat from providing health insurance for their workers. These trends, combined with the increasing costs of medical care, have led to an explosion in health insurance premiums and a decline in coverage, particularly among the middle-class. Since those who seek insurance as individuals are generally most likely to need health care, private insurers charge higher premiums in the individual (non-group) markets than to people who obtain group insurance. This makes individual health insurance less attractive to the young and increasingly unaffordable for middle-class Americans. Similarly, insurers charge higher per person (or per family) premiums to small firms than to large companies, so many small firms do not sponsor coverage for their employees. Reinsuring Health shows how these problems can be overcome if the federal government provides a new reinsurance program which would protect insurance companies that provide small group and individual health insurance against the possibility that their policy-holders will incur very high medical expenses. By assuming some of the risk that people will face extremely costly medical bills, the government will make insurers less hesitant to offer coverage to high-risk individuals, and will help drive down premiums for others. Reinsuring Health demonstrates that this form of government reinsurance has worked in the past, helping to establish smooth running private markets for catastrophe insurance and secondary mortgages. Today, growing numbers of middle class Americans lack health insurance. Protection against the possibility of falling ill or getting hurt and having to pay extraordinary health care bills should not be a luxury available only to the very rich and the very poor. Reinsuring Health proposes a straightforward solution that would bring health insurance back within the reach of the increasing ranks of the uninsured, particularly those who are in the middle class.
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.
Book Synopsis House Hearing, 108th Congress by : U. S. Government Printing Office (Gpo)
Download or read book House Hearing, 108th Congress written by U. S. Government Printing Office (Gpo) and published by BiblioGov. This book was released on 2013-09 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States Government Printing Office (GPO) was created in June 1860, and is an agency of the U.S. federal government based in Washington D.C. The office prints documents produced by and for the federal government, including Congress, the Supreme Court, the Executive Office of the President and other executive departments, and independent agencies. A hearing is a meeting of the Senate, House, joint or certain Government committee that is open to the public so that they can listen in on the opinions of the legislation. Hearings can also be held to explore certain topics or a current issue. It typically takes between two months up to two years to be published. This is one of those hearings.
Book Synopsis Innovations in Employment-Based Health Benefits by : Tracey Young
Download or read book Innovations in Employment-Based Health Benefits written by Tracey Young and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, there have been many employer-driven “innovations” in health benefit design, such as health reimbursement arrangements, value-based benefit design, medical homes, wellness programs, and others. All of these innovations have a common goal: to better manage spending on health care through consumer engagement tools or the use of incentives that change individual behavior. What do we know about the effectiveness of these innovations? In large part, very little independent research exists on their impact. Premiums by plan type can be compared, and the use of preventive services can be tracked; but reliable, unbiased information regarding the true impact of these programs is scarce. Nearly a hundred health policy experts, senior private-sector HR representatives, and insurance and health officials examined some innovative employer-driven programs during a daylong policy forum held by the nonpartisan Employee Benefit Research Institute (EBRI) in Washington, DC, on Dec. 9, 2010. The discussion also considered the future of employment-based health programs in the wake of the November election results and enactment of the Patient Protection and Affordable Care Act (PPACA). This paper summarizes the presentations and debate during that forum. The PDF for the above title, published in the April 2011 issue of EBRI Notes, also contains the full text of another April 2011 EBRI Notes article abstracted on SSRN: “Retirement Income Adequacy: Alternative Thresholds and the Importance of Future Eligibility in Defined Contribution Retirement Plans.”
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.
Book Synopsis Recent Trends in Employer-sponsored Health Insurance Coverage by : Henry S. Farber
Download or read book Recent Trends in Employer-sponsored Health Insurance Coverage written by Henry S. Farber and published by . This book was released on 1998 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine whether the decline in the availability of employer-provided health insurance is a phenomenon common to all jobs or is concentrated only on certain jobs. In particular, we investigate the extent to which employers have continued to provide health insurance on what we term reducing the availability of health insurance on jobs. We consider two dimensions on which jobs may be considered peripheral: if they are new (tenure less than one year) or part-time. We consider three outcomes whose product is the health insurance coverage rate: 1) the fraction of workers who are in firms that offer health insurance to at least some workers (the offer rate); 2) the fraction of workers who are eligible for health insurance, conditional on being in a firm where it is offered (the eligibility rate); and 3) the fraction of workers who enroll in health insurance when they are eligible for it (the takeup rate). We find that declines in own-employer insurance coverage over the 1988-1997 period are driven primarily by declines in takeup for core workers and declines in eligibility for peripheral workers. We also look at trends by workers' education level and see how much of the decline is offset by an increase in coverage through a spouse's policy. Our findings are consistent with the view that employers are continuing to make health insurance available to their core long-term employees but are restricting access to health insurance by their peripheral short-term and pa
Book Synopsis Employer-sponsored Health Insurance and Worker Productivity by : Maozhao Zheng
Download or read book Employer-sponsored Health Insurance and Worker Productivity written by Maozhao Zheng and published by . This book was released on 2017 with total page 183 pages. Available in PDF, EPUB and Kindle. Book excerpt: "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 number of health insurance plans offered among employers who do offer health insurance? Third, how do employers' decisions concerning how many health insurance plans to offer influence the take-up decisions by employees and, therefore, variations in the extent and quality of health insurance coverage across industries and occupations? To provide at least a partial answer to these questions, this dissertation hypothesizes that employer-sponsored health insurance may affect worker productivity and, as a result, the different types of health insurance policies offered by employers and taken up by their workers. It then empirically investigates whether and how it does so. The first part of the dissertation addresses this issue from a theoretical perspective by investigating how employers decide the types and costs of the health insurance plans they offer, and their workers decisions whether to take up those plans. Following the existing literature, I examine these issues assuming that each worker's demand for health insurance (and health status) is unobserved by the firm, that health insurance plans are priced competitively, and that workers do not move between employers. The contribution of the theory presented here is to add into this environment the assumption that a worker's productivity is altered by the provision of employer-sponsored health insurance. The dissertation also explores certain variants of this theoretical model to investigate workers' take-up decisions by modifying the framework so that workers can choose to remain uninsured. The second part of the dissertation tests whether and how employer-sponsored health insurance affects worker productivity in the real world by conducting an empirical analysis using data from the Medical Expenditure Panel Survey (MEPS). It does so by using a variable measuring health-related absenteeism at the workplace due to sickness as a proxy for productivity and investigating the relationship between this productivity proxy variable and a variable indicating whether a worker is insured through his or her employer. To purge this relationship of the endogeneity effects that may result from selection, the dissertation utilizes employment-related spousal variables as instruments for the potentially endogenous employer-sponsored health insurance variable. The resulting (negative) estimates suggest that employer-health insurance may enhance worker productivity by reducing health-related absenteeism. The hypothesis that health insurance improves worker productivity helps explain why firms are willing to offer health insurance to their employees and bear part of the premium costs. The dissertation makes several contributions in the field of health economics. First, the dissertation brings about the novel idea that health insurance may affect productivity. Second, it theoretically examines the take-up decisions of workers by allowing them to remain uninsured. Third, the dissertation studies the firms' optimal decisions and equilibrium conditions when workers require reservation wages. Fourth, it finds a statistically significant empirical relationship between a proxy for worker productivity (days missed for health reasons) and employer-sponsored health insurance."--Abstract from author supplied metadata.
Book Synopsis Leave No Employee Uninsured by : Jed MacKay Perry
Download or read book Leave No Employee Uninsured written by Jed MacKay Perry and published by University of Texas Press. This book was released on 2003-01-01 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report examines how small businesses in Texas can provide health insurance benefits to employees. It describes programs in Florida, New York, and California that seek to improve the level of small employer health insurance coverage and evaluates the concept of health insurance purchasing cooperatives and alliances, a popular concept among small business employers in Texas. Concerns about employer/employee choice, access, market continuity, administrative savings, subsidy programs, and insurance rate regulation are all addressed. According to the author, there are several options for Texas to reform insurance regulations to increase the number of insured employees working for small businesses. However, no single approach is likely to produce dramatic increases in the number of insured employees. As a result, if Texas seeks to increase insured employees in small businesses, policymakers will need to develop initiatives that build on the options discussed in this book.
Book Synopsis The Impact of Offering Free Coverage on Enrollment Choice and Risk Selection in an HSA-eligible Health Plan by : Paul Fronstin
Download or read book The Impact of Offering Free Coverage on Enrollment Choice and Risk Selection in an HSA-eligible Health Plan written by Paul Fronstin and published by . This book was released on 2017 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines whether offering a health savings account (HSA)-eligible health plan for free, alongside other health plan options with a premium, alters employee enrollment choices; and if responders differ by health status. The data for this study come from two large employers and cover the years 2011 to 2014, spanning the 2013 intervention when one of the two employers eliminated employee premiums for the HSA-eligible health plan. As a result of eliminating premiums for the HSA-eligible health plan, enrollment increased by 21 percentage points among individuals with employee-only coverage and 25 percentage points among individuals with family coverage. After eliminating employee premiums for all coverage tiers, HSA-eligible health plan enrollment increased from 4 percent to 25 percent among individuals with employee-only coverage and from 3 percent to 28 percent among individuals with family coverage. Clearly, workers and their families are highly sensitive to health insurance premiums, a major driver of plan choice. Healthier-than-average employees are enticed by $0 premiums for HSA-eligible health plans. Offering coverage with no payroll deduction attracted individual enrollees who were marginally healthier than those who would have enrolled without this financial incentive in place; therefore, adverse selection was not mitigated as anticipated. The analysis did not find strong evidence that suggests the positive risk selection routinely reported in HSA-eligible health plan enrollment was moderated by eliminating the premium. While there is weak evidence that prior users of health care services were more likely to enroll in the HSA-eligible health plan as a result of the elimination of premiums, for the most part, the findings are to the contrary. In summary, the financial incentive drew new individuals and families into the HSA-eligible health plan who were on average healthier than those who would have enrolled without the incentive in place. For employers looking to drive more workers to sign up for HSA-eligible health plans, one of the biggest financial incentives they can offer is to reduce or even eliminate the annual premiums.
Book Synopsis The Responsive Workplace by : Sheila B. Kamerman
Download or read book The Responsive Workplace written by Sheila B. Kamerman and published by Columbia University Press. This book was released on 2010-06-01 with total page 348 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the American workforce has changed in recent years to accommodate an increasing number of working parents, the workplace itself must also adapt. Sheila Kamerman and Alfred Kahn, two of the most respected authorities on work and the American family, explore in this study the ways in which the workplace has responded to social change. They examine innovations in the workplace as well as enduring concerns--fringe benefits, day care and other services, and employers' policies at the workplace. And, they assess employers' adequacy in assisting parents of young children to manage simultaneously their work and family roles. In doing so, Kamerman and Kahn separate over-optimistic "wish lists" from reality, and mere claims of certain effects from observed results. They also look at some critical benefits and services in detail, delineating which are useful and practical. The authors consider whether a workplace-based pattern of provision will meet everyone's needs and, if not, what alternatives are possible. While endorsing a serious role for employers, they stress that government must also take a role in respect to families of working parents.
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)
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.
