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Primer: Employer-Sponsored Insurance - AAF Executive Summary Employer-sponsored insurance (ESI) is the largest source of health coverage in the United States, covering the majority of the non-elderly population, and two-thirds of enrollees are satisfied with their coverage Though ESI is often thought of as a single concept, it is actually a heterogeneous market with significant variations in terms of health […]
The Value of Employer-Sponsored Health Insurance: A Summary Executive Summary Contrary to common criticisms, employer-sponsored insurance (ESI) provides significant value to beneficiaries and taxpayers far beyond the cost of the tax subsidy Employees value ESI at 75–84 percent more than employers and employees together pay for it, generating an annual private value of at least $800 billion Further, after accounting for the tax […]
How Many Are Newly Insured as a Result of the ACA? - AAF Introduction The Department of Health and Human Services (HHS) recently announced that 20 million people are newly insured as a result of the Affordable Care Act (ACA) [i] This has led many to espouse claims that, accordingly, 20 million people would lose their health insurance if the ACA is repealed However, much research has been done […]
Why ERISA Is Worth Protecting - AAF Yet ERISA, which is vital to the sustainability of ESI health plans, has faced serious threats from states and other legal challenges that seek to undermine the law’s greatest benefit: protecting employers who want to offer these health plans to their employees
The Value of Employer-Sponsored Health Insurance: A Summary - AAF Key points: Contrary to common criticisms, employer-sponsored insurance (ESI) provides significant value to beneficiaries and taxpayers far beyond the cost of the tax subsidy Employees value ESI at 75–84 percent more than employers and employees together pay for it, generating an annual private value of at least $800 billion
The Apple of My ESI - AAF Beyond the clear advantages to the individual beneficiary, increased ESI options are a bulwark against the increasing federal control of health care The left is constantly working to add more people to government-backed coverage programs, be it through the Marketplace or Medicaid expansions
Options to Encourage Small Business Health Coverage Offerings Options to Encourage ESI Offerings by Small Businesses Association Health Plans AHPs are a legal instrument that allows smaller firms to group together to purchase insurance The ability to purchase insurance as a group mimics the advantage of large-group insurance plans, which can use economies of scale to negotiate better deals for beneficiaries
Five Years After Passage: The ACA by the Numbers - AAF The Affordable Care Act (ACA) changed the American health care system in myriad ways The primary objectives of the ACA were to expand insurance coverage while reducing the cost of insurance, and to rein in the increasing cost of health care Whether these goals are being achieved and at what cost to the budget and to the healthcare stakeholders are important considerations Five years after
The Future of Employer-Sponsored Health Insurance - AAF Employer-sponsored insurance (ESI) has long been the most common source of health coverage in the United States and provides flexible, high-quality coverage for workers at a better value for taxpayers and the federal government than public alternatives In 2021, 58 percent of all non-elderly Americans received health insurance through their employer, though in 2000, this […]
How to Read the CBO Health Care Cost Estimate - AAF This week the Congressional Budget Office (CBO) is expected to release the cost estimate, or “score,” for the revised version of the Better Care Reconciliation Act (BCRA) The core purpose of the score will be to provide estimates of the budgetary impact and certify that the legislation satisfies the requirements to be considered under the […]