Subsidies to employee health insurance premiums and the health insurance market

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Subsidies to employee health insurance premiums and the health insurance market.

One approach to covering the uninsured that is frequently advocated by policy-makers is subsidizing the employee portion of employer-provided health insurance premiums. But, since the vast majority of those offered employer-provided health insurance already take it up, such an approach is only appealing if there is a very high takeup elasticity among those who are offered and uninsured. Moreove...

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Employer Subsidies for Health Insurance Premiums: Massachusetts’ Unique Experiment

Efforts to enroll low-income workers in premium assistance programs are constrained by the health insurance offer rates of the firms who employ them. One solution is to target premium subsidies to small firms as well as to their low-income workers, and Massachusetts is the sole state to have tried this. Firms participating in the state’s Insurance Partnership were more likely to be self-employe...

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We estimate the effect of rising health insurance premiums on wages, employment, and the distribution of part-time and full-time work using variation in medical malpractice payments driven by the recent “medical malpractice crisis.” We estimate that a 10% increase in health insurance premiums reduces the aggregate probability of being employed by 1.2 percentage points, reduces hours worked by 2...

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Private Health Insurance Premiums and Federal Policy

Most Americans are covered by private health insurance, which they either obtain through employment or purchase individually. Insurance premiums—the payments made to buy that coverage by enrollees or by other parties on their behalf—are high and rising. The Congressional Budget Office and the staff of the Joint Committee on Taxation (JCT) project that in 2016, the average premium for an employm...

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ژورنال

عنوان ژورنال: Journal of Health Economics

سال: 2005

ISSN: 0167-6296

DOI: 10.1016/j.jhealeco.2004.08.004