Small Employers and the Health Insurance Market

Autor:	Michael A. Morrisey, Gail A. Jensen, Robert J. Morlock
Rok vydání:	1994
Předmět:	Health plan Health Benefit Plans Employee Actuarial science Evaluation Studies as Topic Data Collection Health Policy Self-insurance Health insurance Private Sector Business Insurance Selection Bias United States
Zdroj:	Health Affairs. 13:149-161
ISSN:	1544-5208 0278-2715
Popis:	In 1993 half of all small businesses (fewer than fifty workers) sponsored a health plan for their employees, up from 41 percent in 1989. While not as deep, the benefits offered by small firms are nearly as broad as benefits offered by large firms, and they have expanded since 1989. Small businesses pay more for coverage, however. Although coverage restrictions based on health status and preexisting conditions are a significant concern of small firms, actual limits of this type in the small-group market are modest. Firms not offering insurance report that they have wide access to coverage, and many would sponsor a plan if only prices were lower.
Databáze:	OpenAIRE
Externí odkaz:	https://explore.openaire.eu/search/publication?articleId=doi_dedup___::2ac9c8f52a2513ccb02fcc291d3edddb https://doi.org/10.1377/hlthaff.13.5.149 Zobrazit plný text záznamu