State Trends in the Cost of Employer Health Insurance Coverage, 2003-2013

2015 ◽  
Author(s):  
Sara R. Collins Collins ◽  
Cathy Schoen Schoen ◽  
David Radley Radley
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
The Cost ◽  
Employer Health Insurance

National Trends in the Cost of Employer Health Insurance Coverage, 2003-2013

2014 ◽  
Author(s):  
Sara R. Collins Collins ◽  
Cathy Schoen Schoen ◽  
David C. Radley Radley ◽  
Sophie Beutel Beutel
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
National Trends ◽  
The Cost ◽  
Employer Health Insurance

scholarly journals Increasing Health Insurance Coverage through an Extended Federal Employees Health Benefits Program

2001 ◽  
Vol 38 (2) ◽  
pp. 177-192 ◽  
Author(s):  
Beth C. Fuchs
Keyword(s):  
Health Insurance ◽  
High Risk ◽  
Small Firms ◽  
Insurance Coverage ◽  
Health Benefits ◽  
Health Insurance Coverage ◽  
Tax Credits ◽  
Federal Employees ◽  
Public Programs ◽  
The Cost

The Federal Employees Health Benefits Program (FEHBP) could be combined with health insurance tax credits to extend coverage to the uninsured. An extended FEHBP, or “E-FEHBP,” would be open to all individuals who were not covered through work or public programs and who also were eligible for the tax credits on the basis of income. E-FEHBP also would be open to employees of very small firms, regardless of their eligibility for tax credits. Most plans available to FEHBP participants would be required to offer enrollment to E-FEHBP participants, although premiums would be rated separately. High-risk individuals would be diverted to a separate high-risk pool, the cost of which would be subsidized by the federal government. E-FEHBP would be administered by the states, or if a state declined, by an entity that contracted with the Office of Personnel Management. While E-FEHBP would provide group insurance to people who otherwise could not get it, premiums could exceed the tax-credit amount and some people still might find the coverage unaffordable.

scholarly journals Prescription Patterns and the Cost of Antihyperglycemic Drugs in Patients With Type 2 Diabetes Mellitus in Germany

2016 ◽  
Vol 11 (1) ◽  
pp. 123-127 ◽  
Author(s):  
Louis Jacob ◽  
Christian von Vultee ◽  
Karel Kostev
Keyword(s):  
Type 2 Diabetes ◽  
Health Insurance ◽  
Annual Cost ◽  
Treatment Cost ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Prescription Patterns ◽  
The Cost ◽  
Hba1c Levels

Aims: The goals were to analyze prescription patterns and the cost of antihyperglycemic drugs in patients with type 2 diabetes (T2DM) treated in Germany in 2015. Methods: This study included 36382 patients aged 40 years or over treated in general practices (GPs) and diabetologist practices who were diagnosed with T2DM in 2015. Nine different families of antihyperglycemic therapy were included in the analysis. Demographic data included age, gender, and type of health insurance coverage. Clinical data included HbA1c level, body mass index (BMI), and the number of T2DM complications. The annual antihyperglycemic treatment cost per patient was calculated based on pharmacy retail prices. The multivariate regression analysis was fitted to estimate the adjusted treatment cost differences. Results: The percentage of T2DM patients receiving antihyperglycemic treatments was 87.6. This share was slightly higher in men than in women (89.1% vs 86.0%). Interestingly, the share of people treated with antihyperglycemic drugs decreased with age yet increased with HbA1c levels, BMI, and the number of complications. The average annual cost of antihyperglycemic drugs amounted to €498. It was significantly higher in men than in women (difference of €22). It was also significantly higher in individuals with private health insurance coverage than in people with public health insurance coverage (difference of €153). The annual cost decreased with age. It is compelling to note that this cost increased with HbA1c levels and BMI. Finally, the annual cost also increased with the number of complications. Conclusions: The share and the cost of antihyperglycemic treatments vary with gender, age, type of health insurance coverage, HbA1c levels, BMI, and the number of complications.

Transitional Subsidies for Health Insurance Coverage

2001 ◽  
Vol 38 (2) ◽  
pp. 225-231 ◽  
Author(s):  
Jonathan Gruber
Keyword(s):  
Health Insurance ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Recent Past ◽  
Waiting Period ◽  
Low Incomes ◽  
Loan Program ◽  
The Cost

Losing or leaving a job often means losing health insurance. Of all those who have lost private insurance and become uninsured, one-third have either left or lost a job in the recent past. Continuation of coverage subsidies under the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 mitigate only slightly this problem due to the high costs of the group coverage that must be purchased. This paper discusses a proposal to build on the successes of COBRA to extend insurance to this important population. The key components are: a doubling of the length of COBRA entitlement to 36 months; eligibility for workers in all firms, not just those with more than 20 employees, but with a waiting period of one to two years; the establishment of a new COBRA-LOAN program that would offer government loans to help enrollees pay the cost of COBRA while they searched for new opportunities; and forgiveness of repayments after the entitlement period for those with low incomes.

Why Do Hispanics Have So Little Employer-Sponsored Health Insurance?

2007 ◽  
Vol 44 (3) ◽  
pp. 257-279 ◽  
Author(s):  
James D. Reschovsky ◽  
Jack Hadley ◽  
Len Nichols
Keyword(s):  
Human Capital ◽  
Health Insurance ◽  
Insurance Coverage ◽  
Household Survey ◽  
Health Insurance Coverage ◽  
Spanish Speakers ◽  
National Data ◽  
Spanish Speaking ◽  
English Speaking ◽  
Employer Health Insurance

This paper investigates low rates of employer health insurance coverage among Hispanics using national data from the Community Tracking Study Household Survey. Interview language served as a proxy for the degree of assimilation. Findings indicate that English-speaking Hispanics are more similar to whites in their labor market experiences and coverage than they are to Spanish-speaking Hispanics. Spanish-speakers' very low human capital (including their inability to speak English) results in much less access to job-based insurance. Though less important, Spanish-speaking Hispanics' demand for employer-sponsored insurance appears lower than that of English-speaking Hispanics or whites. Results suggest that language and job training may be the most effective way to bolster Hispanics' insurance coverage.

scholarly journals Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

2014 ◽  
Vol 104 (5) ◽  
pp. 329-335 ◽  
Author(s):  
Nicole Maestas ◽  
Kathleen J. Mullen ◽  
Alexander Strand
Keyword(s):  
Health Insurance ◽  
Affordable Care Act ◽  
Insurance Coverage ◽  
Disability Insurance ◽  
Health Insurance Coverage ◽  
Insurance Reform ◽  
Health Insurance Reform ◽  
Access To Health ◽  
Social Security Disability ◽  
The Cost

As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)—potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset —will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals who otherwise lacked access to health insurance. We study the 2006 Massachusetts health insurance reform to estimate the potential effects of the ACA on SSDI and SSI applications.

scholarly journals The Effect of an Employer Health Insurance Mandate on Health Insurance Coverage and the Demand for Labor: Evidence from Hawaii

2011 ◽  
Vol 3 (4) ◽  
pp. 25-51 ◽  
Author(s):  
Thomas C Buchmueller ◽  
John DiNardo ◽  
Robert G Valletta
Keyword(s):  
Health Insurance ◽  
Permutation Test ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
The United States ◽  
Detectable Effect ◽  
Current Population Survey Data ◽  
Insurance Mandate ◽  
Voluntary Market ◽  
Employer Health Insurance

We examine the effects of the most durable employer health insurance mandate in the United States, Hawaii's Prepaid Health Care Act, using Current Population Survey data covering the years 1979 to 2005. Relying on a variation of the classical Fisher permutation test applied across states, we find that Hawaii's law increased insurance coverage over time for worker groups with low rates of coverage in the voluntary market. We find no statistically significant support for the hypothesis that the mandate reduced wages and employment probabilities. Instead, its primary detectable effect was an increased reliance on exempt part-time workers. (JEL G22, I18, J23, J32)

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