'Competition' among employers offering health insurance.
نویسندگان
چکیده
Most employees contribute towards the cost of employer-sponsored insurance, despite tax laws that favor zero contributions. Contribution levels vary markedly across firms, and the average contribution (as a percentage of the premium) has increased over time. We offer a novel explanation for these facts: employers raise contribution levels to encourage their employees to obtain coverage from their spouses' employer. We develop a model to show how the employee contribution required by a given firm depends on characteristics of the firm and its work force, and find empirical support for many of the model's predictions.
منابع مشابه
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عنوان ژورنال:
- Journal of health economics
دوره 19 1 شماره
صفحات -
تاریخ انتشار 2000