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Contributions to Health Insurance Premiums: When Does the Employer Pay 100 Percent?

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Author Info

  • Alice Zawacki
  • Amy Taylor

Abstract

We identify the characteristics of establishments that paid 100 percent of health insurance premiums and the policies they offered from 1997-2001, despite increased premium costs. Analyzing data from the MEPS-IC, we see little change in the percent of establishments that paid the full cost of premiums for employees. Most of these establishments were young, small, singleunits, with a relatively high paid workforce. Plans that were fully paid generally required referrals to see specialists, did not cover pre-existing conditions or outpatient prescriptions, and had the highest out-of-pocket expense limits. These plans also were more likely than plans not fully paid by employers to have had a fee-for-service or exclusive provider arrangement, had the highest premiums, and were less likely to be self-insured.

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File URL: ftp://ftp2.census.gov/ces/wp/2005/CES-WP-05-27.pdf
File Function: First version, 2005
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Bibliographic Info

Paper provided by Center for Economic Studies, U.S. Census Bureau in its series Working Papers with number 05-27.

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Length: 18 pages
Date of creation: Dec 2005
Date of revision:
Handle: RePEc:cen:wpaper:05-27

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Related research

Keywords: employer-sponsored health insurance; contributions; premiums;

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Cited by:
  1. C. J. Krizan & Adela Luque & Alice Zawacki, 2014. "The Effect Of Employer Health Insurance Offering On The Growth And Survival Of Small Business Prior To The Affordable Care Act," Working Papers 14-22, Center for Economic Studies, U.S. Census Bureau.
  2. Rosemary Hyson & Alice Zawacki, 2008. "Health-Related Research Using Confidential U.S. Census Bureau Data," Working Papers 08-21, Center for Economic Studies, U.S. Census Bureau.

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