As is true of automobile insurance, a strong case can be made for a mandate that requires individuals to purchase health insurance rather than shifting costs to others. A mandate by itself, however, is likely to be regressive. By dealing with individual needs through the back door, an employer mandate generally keeps costs hidden and raises employment problems, while an employer subsidy will be...

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...

OBJECTIVE To determine the cost-effectiveness of naturopathic care (acupuncture, relaxation exercises, exercise and dietary advice, and a back care booklet) compared to standardized physiotherapy education and a back care booklet (control treatment) for low back pain in a sample (N = 70) of warehouse workers. DESIGN Economic evaluation based upon the results of a pragmatic randomized controll...

OBJECTIVES This study compared utilization of health care services by children with chronic conditions who were insured by either Medicaid or an employer group in 1992 and 1993. Five chronic conditions were selected to illustrate patterns of service use: asthma, attention deficit disorder, diabetes, epilepsy, and sickle cell anemia. METHODOLOGY Administrative databases were used to develop es...

Based on data for private wage and salary workers in May 1988, this article examined pension coverage under two types of employer-sponsored pension plans. Some of the factors associated with employer-financed pension coverage were also examined, and comparisons were made to findings on pension coverage of full-time workers in 1972, 1979, and 1983. "Covered" workers were defined as those actuall...

This article addresses a new initiative of the Health Care Financing Administration (HCFA) to contract on a group basis with: employer self-insurance plans, unions, group health insurance companies, and Taft-Hartley Health and Welfare Funds for groups of Medicare beneficiaries. under this new concept, Medicare beneficiaries may elect in the future to obtain Medicare coverage through their group...

n engl j med 357;15 www.nejm.org october 11, 2007 1465 problems. The women, both in their 30s and mothers of young children, were obese and had diabetes. Gardiner weighed over 200 lb, smoked heavily, and avoided physical activity. Matovich weighed 230 lb, took insulin several times a day, had had episodes of severe hypoglycemia, and could not lift her babies because of pain from herniated lumba...

We design a model-based field experiment to estimate the nature and magnitude of workers’ social preferences towards their employers. We hire 446 workers for a one-time task. Within worker, we vary (i) piece rates; (ii) whether the work has payoffs only for the worker, or also for the employer; and (iii) the return to the employer. We then introduce a surprise increase or decrease in pay (‘gift...

An Employee Value Proposition (EVP) is the one of a kind arrangement of benefits an employee gets consequently for the skills, capabilities and experience they convey to an organization. An EVP is about characterizing the substance of your organization and how it is special and what it remains for. Employer brand is a mind boggling and particular mix of promises, opportunities and experience of...

Abstract Background Paired with other active antiretrovirals (ARVs), fostemsavir (FTR) may offer heavily treatment-experienced (HTE) people HIV (PWH) options for continuing effective treatment. Durability and effectiveness of FTR-containing regimens in routine clinical care the United States were assessed. Methods Electronic health record data from OPERA® cohort used to identify adults initiati...