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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
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
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 Staying Power of Employer-Sponsored Insurance - AAF The value of ESI is also less well defined; more data are needed on outcomes for those in ESI versus other types of coverage The reality is that despite decades of health reform efforts, ESI remains the dominant source of health insurance for Americans, with roughly 156 million covered in 2021
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
The Experimental Sites Initiative: Cost Benefit Analysis - AAF The Experimental Sites Initiative allows the Department of Education to waive specific statutory or regulatory requirements for postsecondary institutions, to test the effectiveness of flexibility for participating institutions disbursing federal student aid
insulin prices ESI - AAF Experts At least one search term must be present March 13, 2020 insulin prices ESI Disclaimer Recent Posts DonateThe Daily DishCareersInternshipsContact Us