What Will Happen if Employers Drop Health Insurance? A Simulation of Employees’ Willingness to Purchase Insurance in the Individual Market
Although employer-sponsored insurance is the primary source of health insurance for non-elderly individuals, premium growth and federal health insurance reform, including tax credits to purchase individual insurance, might decrease employers’ propensity to offer coverage. Using estimates from a model of employer-sponsored insurance take-up, we simulate the proportion of workers who hold coverage who would be willing to purchase individual coverage if their employers dropped this benefit. Additionally, we consider how take-up rates would increase given the availability of income-based subsidies for workers who lose insurance.
Volume (Year): 63 (2010)
Issue (Month): 2 (June)
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