The Value of Employer-Sponsored Health Insurance

Employer-sponsored health insurance for retired Americans.

Diabetes in employer-sponsored health insurance.

OBJECTIVE To examine medical and mental health care expenditures for large numbers of individuals with diabetes enrolled in employment-sponsored insurance plans. RESEARCH DESIGN AND METHODS Health insurance billing data for approximately 1.3 million individuals enrolled in health insurance plans sponsored by 862 large self-insured employers nationwide were used to examine employer expenditure...

The health status of workers who decline employer-sponsored insurance.

This paper uses data from the 1997 National Health Interview Survey to compare workers who decline employers' offers of health insurance (decliners) with comparison groups of workers who take up offers of employer coverage and those who do not have such offers. Uninsured decliners fare much worse than coverage takers on every mental health measure. While the evidence on physical health measures...

Asymmetric Information and the Generosity of Employer-Sponsored Health Insurance∗

While obtaining health insurance through an employer is an effective means of pooling risk, employees information advantage over insurers threatens to induce inefficiency due to moral hazard and adverse selection. I use Medical Expenditure Panel Survey data from 1996 to 2001 for a national sample of employer-employee matches to determine whether moral hazard and adverse selection affect the emp...

Employer-sponsored health insurance erosion accelerates in the recession.

From 2000 to 2009, the share of non-elderly Americans covered by employer-sponsored health insurance (ESI) fell 9.4 percentage points. Although the economy was already in a recession in 2008, it continued to dramatically deteriorate in 2009. From 2008 to 2009, the unemployment rate rose 3.5 percentage points, the largest one-year increase on record. As most Americans under age 65 rely on health...