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Self Insured Coverage In Employer Sponsored Health Insurance For The Private Sector 2000 And 2010
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Book Synopsis Self-insured Coverage in Employer-sponsored Health Insurance for the Private Sector, 2000 and 2010 by :
Download or read book Self-insured Coverage in Employer-sponsored Health Insurance for the Private Sector, 2000 and 2010 written by and published by . This book was released on 2011 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employers that offer health insurance to their employees can provide that coverage either through self-insured plans or through fully-insured plans purchased from an insurance company. When an employer chooses to self-insure coverage, it generally takes on the financial risk associated with paying the plan's costs although employers with such plans commonly purchase stop-loss coverage to limit their financial exposure. Employers that sponsor fully-insured plans generally pay premiums to an insurer and the insurer bears the financial risk. Self-insured and fully-insured coverage are not treated the same way under the law. State laws that regulate fully-insured employer-sponsored plans usually do not apply to self-insured plans. And some provisions of the federal Patient Protection and Affordable Care Act of 2010 pertain to fully-insured plans but not to self-insured plans. Larger firms often offer a choice of health plans with different benefits and costs to their employees--the options may include both self-insured and fully-insured plans. For example, a self-insured Preferred Provider Organization (PPO) may be offered at all sites nationwide while different fully-insured Health Maintenance Organizations (HMOs) are offered at various work locations in different states. This Statistical Brief is limited to an analysis of enrollment in self-insured health insurance plans. Of the total 56.1 million employees with employer-sponsored coverage in the private sector in 2010, 32.3 million were enrolled in plans that were self-insured by their employers. The Brief discusses self-insurance enrollment rates for small versus large employers and across industry groups in 2010, and changes since 2000, for private sector firms. This analysis is based on estimates from the Insurance Component of the Medical Expenditure Panel Survey (MEPS-IC). Only comparisons with a statistically significant difference at the 0.05 percent significance level are noted in the text.
Book Synopsis Self-Insured Health Plans by : Paul Fronstin
Download or read book Self-Insured Health Plans written by Paul Fronstin and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines recent trends in self-insurance. Data come from the Medical Expenditure Panel Survey (MEPS) and are presented by establishment size among private-sector employers. State-level data are also presented, along with the correlation between state mandates and the prevalence of self-insurance. Offering a self-insured plan means the employer assumes the financial risk related to offering health insurance (as opposed to a fully insured plan, where the insurance company assumes the risk). Large employers are much more likely to offer health benefits on a self-insured basis than small employers. However, there is speculation that passage of the Patient Protection and Affordable Care Act of 2010 (PPACA) will result in an increasing number of smaller employers offering self-insured plans. Employers think that components of PPACA, such as the strict grandfathering requirements; the minimum-creditable-coverage requirement; the breadth of essential health benefits; taxes on insurers, medical-device manufacturers, and pharmaceutical companies; affordability requirements; and reinsurance fees will all drive up the cost of health coverage. Small employers concerned about the rising cost of providing health coverage may view self-insurance as a more attractive means to mitigate any expected cost increases. Some key findings include the following: The percentage of workers in private-sector self-insured health plans has been increasing. In 2011, 58.5 percent of workers with health coverage were in self-insured plans, up from 40.9 percent in 1998. Large employers (with 1,000 or more workers) have driven the upward trend in overall self-insurance. The percentage of workers in self-insured plans in firms with fewer than 50 employees has been close to 12 percent in most years examined. The prevalence in self-insured plans varies by state, with Massachusetts having the third-highest prevalence of self-insurance in the small-group market (behind Hawaii and Alaska). Overall, 58.5 percent of workers were in self-insured plans in 2011, but the percentage ranged by state, from a low of 30.5 percent to a high of 73.8 percent. Massachusetts, the only state to have enacted health reform similar to PPACA, has seen an increase in the percentage of workers in self-insured plans among all firm-size cohorts, except among workers in firms with fewer than 50 employees. The PDF for the above title, published in the November 2012 issue of EBRI Notes, also contains the fulltext of another November 2012 EBRI Notes article abstracted on SSRN: “All or Nothing? An Expanded Perspective on Retirement Readiness.”
Book Synopsis Self-Insured Health Plans by : Paul Fronstin
Download or read book Self-Insured Health Plans written by Paul Fronstin and published by . This book was released on 2018 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Issue Brief examines 1996-2016 trends in the availability of and enrollment in self-insured health plans among private-sector establishments offering health plans and their covered workers, with a particular focus on 2013 to 2016, so as to assess whether the Patient Protection and Affordable Care Act of 2010 (ACA) might have affected these trends. The data come from the Medical Expenditure Panel Survey Insurance Component (MEPS-IC).Here are the key findings: • The percentage of all private-sector establishments offering health plans at least one of which is self-insured has continued an increase that started in 2000. o In 2016, 40.7 percent of private-sector establishments reported that they self-insured at least one of their health plans, up from 39 percent in 2015. • Between 2013 and 2016, the percentages of small and midsized establishments offering at least one self-insured plan both increased. o For small establishments, the percentage increased from 13.3 percent to 17.4 percent (a 31 percent increase), with most of the increase occurring in 2016. o For midsized establishments, the percentage increased from 25.3 percent to 29.2 percent (a 15.4 percent increase). (In 2016, the percentage of midsized establishments offering a self-insured plan fell from 30.1 percent to 29.2 percent.) • Between 2013 and 2016, the self-insurance trend for large establishments continued to decline, falling from 83.9 percent to 78.5 percent. • Because many more employees work for large establishments, the increase in self-insurance among small establishments (and their workers) was not large enough to offset the decline among large establishments (and their workers), resulting in a decrease in the percentage of covered workers enrolled in self-insured plans. o Between 2015 and 2016, the percentage of enrollees in self-insured plans fell from 60 percent to 57.8 percent.
Book Synopsis Employer-sponsored Health Insurance for Part-time Employees in the Private Sector, 2005 Versus 2010 by :
Download or read book Employer-sponsored Health Insurance for Part-time Employees in the Private Sector, 2005 Versus 2010 written by and published by . This book was released on 2011 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Self-Insured Health Plans by : Paul Fronstin
Download or read book Self-Insured Health Plans written by Paul Fronstin and published by . This book was released on 2016 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines 1996-2015 trends in self-insured health plans among private-sector establishments offering health plans and among their covered workers, with a particular focus on 2013 to 2015, so as to assess whether the Affordable Care Act (ACA) might have affected these trends. The data come from the Medical Expenditure Panel Survey Insurance Component (MEPS-IC). Since the passage of the ACA, some commentators have speculated that an increasing number of small and midsized employers would convert their health plans from fully insured to self-insured plans. The rationale has appeared to be that several of the key ACA components -- creditable coverage, affordability, essential benefits, and various taxes and fees -- would drive up the cost of health coverage, thus possibly making self-insurance (which is viewed by many as generally less expensive than fully-insured alternatives) a more attractive option for many employers. The percentage of private-sector establishments offering health plans at least one of which is self-insured has increased from 28.5 percent in 1996 to 39 percent in 2015 (36.8 percent increase). Between 2013 and 2015, the percentages of establishments offering health plans with at least one self-insured plan has increased for midsized establishments from 25.3 percent to 30.1 percent (a 19 percent increase); for small establishments from 13.3 percent to 14.2 percent (a 7 percent increase); and has decreased from 83.9 percent to 80.4 percent for large establishments (a 4 percent decrease). Similarly, the percentage of health-plan-covered workers enrolled in self-insured health plans has increased from 58.2 percent to 60 percent (a 3 percent increase) from 2013 to 2015. The largest increases in self-insured plan coverage among covered workers have occurred in establishments with 25-99 employees and with 100-999 employees. These data are consistent with the perspective set forth above that the ACA would cause more small and midsized employers to adopt self-insured plans.
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.
Book Synopsis Self-Insured Health Plans by : Paul Fronstin
Download or read book Self-Insured Health Plans 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: This paper examines recent trends in self-insurance. Data come from the Medical Expenditure Panel Survey (MEPS) and are presented by establishment size among only private-sector employers. State-level data are also presented. In 2013, 37.6 percent of private-sector establishments self-insured at least one of their health plans, up from 26.5 percent in 1999. All of the growth in self-insurance in recent years has been confined to larger firms. In 2013, 83.9 percent of employers with 500 or more employees self-insured at least one health plan, up from 66.2 percent in 1999. The percentage of employers offering a self-insured health plan with fewer than 100 employees has bounced around between 10.7 percent and 14.7 percent between 1996 and 2013. Furthermore, the percentage of employers offering a self-insured health plan with 100-499 employees fell from 35.3 percent in 1996 to 25 percent in 2006, and has been between 25.2 percent and 29.2 percent since. Large employers (with 1,000 or more workers) have driven the upward trend in overall self-insurance. Understanding the trend in self-insurance for employers with 50 or more workers and those with fewer than 50 workers is important because the employer mandate in the Patient Protection and Affordable Care Act (PPACA) affects only employers with at least 50 workers. To the degree small employers are concerned about the rising cost of providing health coverage, self-insurance may become a more attractive means to mitigate any expected regulatory cost increases. However, as of 2013, there is no evidence that smaller firms were increasingly self-insuring their health plans. In 2013, 64.6 percent of firms with 50 or more employees offered at least one self-insured plan, compared with 13.2 percent among firms with fewer than 50 employees. This analysis finds that the percentage of workers in self-insured plans has been increasing. In 2013, 58.2 percent of workers with health coverage were in self-insured plans, up from 40.9 percent in 1998. The percentage of workers in self-insured plans in firms with fewer than 50 employees has been close to 12 percent in most years examined in this analysis. The estimates in this analysis should serve as a baseline to gauge the potential impact of rising health insurance costs on self-insurance in the future.
Download or read book Klaus Vogelgesang written by and published by . This book was released on 1995 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Book Synopsis Employer-sponsored Single, Employee-plus-one, and Family Health Insurance Coverage by :
Download or read book Employer-sponsored Single, Employee-plus-one, and Family Health Insurance Coverage written by and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Health insurance provided by employers is a key source of coverage for employees and their families. In 2006, more private sector employees obtained non-single coverage health insurance (a plan covering the employee and at least one other family member) through their employers than single, self-only coverage. According to the Insurance Component of the Medical Expenditure Panel Survey (MEPS-IC), those employees with non-single coverage contributed both a larger dollar amount and a larger percentage of the total premium for their coverage than did employees with single coverage. Non-single health insurance plans encompass two types of coverage: family coverage and employee-plus-one coverage. Prior to 2001, MEPS-IC collected only information on family coverage plans. Information related to coverage for a family of four was collected in cases where multiple pricing levels were offered to employees. Beginning in 2001, separate data were also collected for employee-plus-one coverage. Not all employers who offer family coverage provide the alternative of an employee-plus-one policy for employees with just one family member to insure. However, when available for the same level of benefits, employee-plus-one plan premiums are less expensive than family plans. This Statistical Brief presents estimates on the selection and cost of single, employee-plus-one, and family health insurance coverage in 2006. Only differences that are statistically significant at the 0.05 significance level are discussed in the text.
Book Synopsis Employer-sponsored Single and Family Health Insurance Coverage by : Beth Levin Crimmel
Download or read book Employer-sponsored Single and Family Health Insurance Coverage written by Beth Levin Crimmel and published by . This book was released on 2003* with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health insurance provided by employers is a key source of coverage for both employees and their families. In 2000, more private-sector employees obtained family coverage health insurance through their employers than single, self-only coverage. According to the Medical Expenditure Panel Survey, conducted by the Agency for Healthcare Research and Quality, those employees with family coverage contributed both a larger dollar amount and a larger percent of the total premium for their coverage than did employees with single coverage.
Download or read book Envisioning People's Struggles written by and published by . This book was released on 2005 with total page 1 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Employer-sponsored Health Insurance for Small Employers in the Private Sector by Census Division, 2001 by : John P. Sommers
Download or read book Employer-sponsored Health Insurance for Small Employers in the Private Sector by Census Division, 2001 written by John P. Sommers and published by . This book was released on 2004 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 2001 Medical Expenditure Panel Survey-Insurance Component (MEPS-IC), approximately 101 million of the 114 million employees from the private sector worked in firms where the employer offer health insurance. Of those who worked where health insurance was offered, approximately 63 million were enrolled in a health insurance plan.
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.
Book Synopsis The Future of the Public's Health in the 21st Century by : Institute of Medicine
Download or read book The Future of the Public's Health in the 21st Century written by Institute of Medicine and published by National Academies Press. This book was released on 2003-02-01 with total page 536 pages. Available in PDF, EPUB and Kindle. Book excerpt: The anthrax incidents following the 9/11 terrorist attacks put the spotlight on the nation's public health agencies, placing it under an unprecedented scrutiny that added new dimensions to the complex issues considered in this report. The Future of the Public's Health in the 21st Century reaffirms the vision of Healthy People 2010, and outlines a systems approach to assuring the nation's health in practice, research, and policy. This approach focuses on joining the unique resources and perspectives of diverse sectors and entities and challenges these groups to work in a concerted, strategic way to promote and protect the public's health. Focusing on diverse partnerships as the framework for public health, the book discusses: The need for a shift from an individual to a population-based approach in practice, research, policy, and community engagement. The status of the governmental public health infrastructure and what needs to be improved, including its interface with the health care delivery system. The roles nongovernment actors, such as academia, business, local communities and the media can play in creating a healthy nation. Providing an accessible analysis, this book will be important to public health policy-makers and practitioners, business and community leaders, health advocates, educators and journalists.
Book Synopsis Market Structure of the Health Insurance Industry by : D. Andrew Austin
Download or read book Market Structure of the Health Insurance Industry written by D. Andrew Austin and published by DIANE Publishing. This book was released on 2010-04 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Handbook of Insurance by : Georges Dionne
Download or read book Handbook of Insurance written by Georges Dionne and published by Springer Science & Business Media. This book was released on 2013-12-02 with total page 1133 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new edition of the Handbook of Insurance reviews the last forty years of research developments in insurance and its related fields. A single reference source for professors, researchers, graduate students, regulators, consultants and practitioners, the book starts with the history and foundations of risk and insurance theory, followed by a review of prevention and precaution, asymmetric information, risk management, insurance pricing, new financial innovations, reinsurance, corporate governance, capital allocation, securitization, systemic risk, insurance regulation, the industrial organization of insurance markets and other insurance market applications. It ends with health insurance, longevity risk, long-term care insurance, life insurance financial products and social insurance. This second version of the Handbook contains 15 new chapters. Each of the 37 chapters has been written by leading authorities in risk and insurance research, all contributions have been peer reviewed, and each chapter can be read independently of the others.
