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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has led many to espouse claims that, accordingly, 20 million people would lose their health insurance if the ACA is repealed However, much research has been done […]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 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 […]
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 […]
The Slow Creep Toward Single-payer Health Care - AAF Executive Summary The adoption of a single-payer health care system is often framed as a one-time, revolutionary event, but there is reason to suspect that the real path to single payer is the incremental displacement of the private sector From aggressive investigations of private payers that provide health care coverage to drug price fixing using […]
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 […]
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 […]