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Employer-Sponsored Health Insurance and the Promise of Health Insurance Reform

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  • Thomas C. Buchmueller
  • Alan C. Monheit

Abstract

The central role that employers play in financing health care is a distinctive feature of the U.S. health care system, and the provision of health insurance through the workplace has important implications well beyond its role as source of health care financing. In this paper, we consider the "goodness of fit" of ESI in the current economic and health insurance environments and in light of prospects for a vigorous national debate over shape of health care reform. The main issue that we explore is whether ESI can have a viable role in health system reform efforts or whether such coverage will need to be significantly modified or even abandoned as reform seeks to address important issues in the efficient provision and equitable distribution of health insurance coverage, to create expanded health plan choices and competition in health insurance markets, and to structure incentives for the more efficient use of health services.

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Bibliographic Info

Paper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 14839.

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Date of creation: Apr 2009
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Publication status: published as Employer-Sponsored Health Insurance and the Promise of Health Insurance Reform Thomas C. Buchmueller and Alan C. Monheit Inquiry Vol. 46, No. 2 (Summer 2009), pp. 187-202 Published by: Excellus Health Plan, Inc.
Handle: RePEc:nbr:nberwo:14839

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  1. Marquis, M. Susan & Long, Stephen H., 1995. "Worker demand for health insurance in the non-group market," Journal of Health Economics, Elsevier, vol. 14(1), pages 47-63, May.
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Cited by:
  1. Dizioli, Allan & Pinheiro, Roberto B., 2012. "Health insurance as a productive factor," MPRA Paper 39743, University Library of Munich, Germany.

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