The Economic Burden of Providing Health Insurance: How Much Worse Off Are Small Firms?More than 60 percent of nonelderly Americans receive health-insurance (HI) coverage through employers. However, rising health-care costs may threaten the long-term viability of the employer-based insurance system. This report explores trends in the economic burden associated with HI provision for small and large businesses, as well as the quality of plans that small and large firms offer. |
Contents
Chapter One Introduction | 1 |
Chapter Two Data | 7 |
Chapter Three Methods | 11 |
Chapter Four Results | 15 |
Chapter Five Limitations | 35 |
Chapter Six Discussion | 37 |
Chapter Seven Conclusion | 41 |
Appendix Supporting Data | 43 |
References | 59 |
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Common terms and phrases
10-percent level 11 employees 25 employees 5-percent 75th Percentile 99 employees Chi-Squared Chi-Squared Statistic coinsurance conditional on offer copayment cost per employee coverage deductibles dummy variables economic burden employees enrolled Employment Cost Index enrolled employees Entrepreneurship Public Policy expenditures fewer than 25 firm-size categories firms offer firms with 25 firms with fewer growth in health-insurance health-insurance burden health-insurance costs relative health-insurance provision health-insurance-offer January 23 Joint Significance Corresponding larger firms Logit Marginal Effects Logit Model median MEEI multiunit establishments nonoffering firms nonprepaid plans offer health insurance offer insurance offer rates offered by small OLS 25th OLS and Quantile OLS regression OOP maximum overall P-Values payroll per employee percent at firms percent of payroll Plan Characteristics plans offered prepaid plans Relative to Payroll reported in Table sample Single-Unit Establishments small and large small businesses small firms fewer smallest firms Smerd Standard Errors Statistically significant take-up tests of joint trends weighted