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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 […]
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
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
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has led many to espouse claims that, accordingly, 20 million people would lose their health insurance if the ACA is repealed However, much research has been done […]
A Fresh Take on Employer-Sponsored Insurance - AAF Employer-sponsored insurance (ESI) is the most common source of health insurance in the United States, covering around 156 million Americans in 2021 But ESI is different things to different people To real, average Americans (not that Eakinomics knows any…), ESI is an accepted part of the health and labor market landscape and a desirable employment benefit (“Does […]
Primer: Employer-Sponsored Insurance - AAF Employer-sponsored insurance (ESI) is the largest source of health coverage in the United States, covering the majority of the non-elderly population In a new primer, Health Care Policy Fellow Margaret Barnhorst explores trends in the ESI market and variations in health care access, coverage, costs, and quality across diverse employer plans
Medicaid After the Public Health Emergency - AAF That’s great news, but should one care which of these insurance options people choose? The short answer is yes: employer-sponsored insurance (ESI) Research has indicated that the health outcomes in ESI are far better than in, for example, Medicaid And recent research at AAF by Casey Mulligan indicates that ESI provides tremendous value
Revisiting Employer-Sponsored Insurance - AAF Back in August I wrote about the durability of the employer-sponsored insurance (ESI) system and concluded that although “[e]conomists and policymakers may think they have better answers, […] ESI has staying power, and it would behoove us to better understand the benefits of this system that make it so popular with Americans ” Since then, the […]
The Next Threat to Private Insurance - AAF Recently, I wrote an insight discussing ways to increase employer-sponsored insurance (ESI) offerings among small businesses as a bulwark against the creeping federal takeover of health coverage In recent years, however, a new issue threatens coverage options at firms: the weakening of the Employee Retirement Income Security Act (ERISA) of 1974 preemptions for employer health plans, namely