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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 In total, ESI generates around $1 5 trillion annually in social value beyond what workers, employers, and taxpayers pay for it, or nearly $10,000 per insured individual Introduction Employer-sponsored insurance (ESI) is the most common source of health insurance in the United States, covering around 156 million Americans in 2021
The Value of Employer-Sponsored Health Insurance: A Summary Employer-sponsored insurance (ESI) is the most common source of health insurance in the United States, covering around 156 million Americans in 2021 A new insight summarizes The Value of Employer-Sponsored Health Insurance, research by University of Chicago economics professor Casey Mulligan, originally released by the National Bureau of Economic Research The study explores the social […]
Why ERISA Is Worth Protecting - AAF Next week, the House Committee on Education and the Workforce Subcommittee on Health, Employment, Labor, and Pensions will hold a hearing on employer-sponsored insurance (ESI) governed by the Employee Retirement Income Security Act (ERISA) of 1974 The majority of Americans, approximately 153 million nonelderly adults, received health insurance through ESI, with 65 percent of workers […]
Reforming the Employer-Sponsored Insurance Tax Exclusion the ESI exclusion provides enough advantage to employer plans that individual plans are still rare Pros of Employer-Sponsored Insurance Undoubtedly, the rise of employer-sponsored health plans during and after World War II dramatically increased the number of Americans that had access to health insurance In 1940, only about 20% of 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 […]
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 Key points: Though ESI […]
Five Years After Passage: The ACA by the Numbers - AAF Further, exchange plans typically have higher deductibles ($2,910 in 2014 compared with $1,217 for ESI), co-insurance rates (20 percent compared with 19 percent), and caps on out-of-pocket expenses ($5,730 compared with $3,011), meaning a person with coverage through the exchange will be liable for more out-of-pocket expenses than an individual
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