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How Will The Affordable Care Act Change Employers’ Incentives To Offer Insurance?

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Author Info

  • Jean M. Abraham, Ph.D.
  • Roger Feldman, Ph.D.
  • Peter Graven, M.S.
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    Abstract

    This study investigates how changes in the economic incentives created by the Affordable Care Act (ACA) will affect the probability that private-sector U.S. employers will offer health insurance. Using the Medical Expenditure Panel Survey Insurance Component for 2008-2010, we predict employers’ responses to key ACA provisions. Our simulations predict that overall demand for insurance will rise, driven by workers’ desire to avoid the individual mandate penalty and the availability of premium tax credits in exchanges. Our analyses also suggest that the average probability of an establishment offering insurance will decline from .83 to .66 with ACA implementation, although there is considerable variation by firm size, industry and union status.

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    File URL: ftp://ftp2.census.gov/ces/wp/2014/CES-WP-14-02.pdf
    File Function: First version, 2013
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    Bibliographic Info

    Paper provided by Center for Economic Studies, U.S. Census Bureau in its series Working Papers with number 14-02.

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    Length: 31 pages
    Date of creation: Jan 2014
    Date of revision:
    Handle: RePEc:cen:wpaper:14-02

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    Related research

    Keywords: health insurance; Affordable Care Act; premium tax credits; employer behavior;

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    1. Key research-oriented government agencies media members should know about
      by ? in Journalist's Resource on 2014-02-28 02:12:08

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