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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
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 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 […]
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
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
Five Years After Passage: The ACA by the Numbers - AAF The Affordable Care Act (ACA) changed the American health care system in myriad ways The primary objectives of the ACA were to expand insurance coverage while reducing the cost of insurance, and to rein in the increasing cost of health care Whether these goals are being achieved and at what cost to the budget and to the healthcare stakeholders are important considerations Five years after