Contributions to Health Insurance Premiums: When Does the Employer Pay 100 Percent?
AbstractWe 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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Bibliographic InfoPaper provided by Center for Economic Studies, U.S. Census Bureau in its series Working Papers with number 05-27.
Length: 18 pages
Date of creation: Dec 2005
Date of revision:
employer-sponsored health insurance; contributions; premiums;
This paper has been announced in the following NEP Reports:
- NEP-ALL-2006-06-03 (All new papers)
- NEP-HEA-2006-06-03 (Health Economics)
- NEP-IAS-2006-06-03 (Insurance Economics)
- NEP-LAB-2006-06-03 (Labour Economics)
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- 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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