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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
Reforming the Employer-Sponsored Insurance Tax Exclusion The ESI tax exclusion not only encourages overspending and overuse of medical services, but it is inherently an inequitable structure of the tax code Public opinion, policy, and political norms suggest that taxes should be somewhat progressive by income
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 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
Health Insurance Coverage in America: Current and Future Role of . . . - AAF Employer-sponsored insurance (ESI) remained the most common sub-type of health insurance, with 54 4 percent of the population covered for some or all of the calendar year, followed by Medicare (18 4 percent), Medicaid (17 8 percent), direct-purchase coverage (10 5 percent), TRICARE (2 8 percent), and coverage through Veterans Affairs (VA) or
Lowering the Medicare Age to 60: Cost and Coverage Outcomes Scenario 2 assumes that 100 percent of employers stop ESI coverage for those age 60-64, leading to a complete migration of that age cohort into Medicare and resulting in new federal spending of $1 8 trillion
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 […]
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 […]