Employment-based health insurance: past, present, and future.
نویسندگان
چکیده
We review the rise, stabilization, and decline of employment-based insurance; discuss its transformation from quasi-social insurance to a system based on actuarial principles; and suggest that the presence of Medicare and Medicaid has weakened political pressure for universal coverage. We highlight employment-based insurance's flaws: high administrative costs, inequitable sharing of costs, inability to cover large segments of the population, contribution to labor-management strife, and the inability of employers to act collectively to make health care more cost-effective. We conclude with scenarios for possible trajectories: employment-based insurance flourishes, continues to erode, or is replaced by a more comprehensive system.
منابع مشابه
The Future of Employment-Based Health Insurance After the Patient Protection and Affordable Care Act
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عنوان ژورنال:
- Health affairs
دوره 25 6 شماره
صفحات -
تاریخ انتشار 2006