scholarly journals Taking Stock Of Health: An Examination Of Health Insurance Expenditures By Employer Categories

2011 ◽  
Vol 7 (4) ◽  
Author(s):  
Swarn Chatterjee ◽  
John Gilliam
Keyword(s):  
Health Insurance ◽  
Private Sector ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Insurance Premium ◽  
The Self ◽  
Consumer Expenditure ◽  
Government Employees ◽  
Region Of Residence ◽  
The Cost

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt;"><span style="font-size: 10pt;"><span style="font-family: Times New Roman;">This research uses the Consumer Expenditure Survey (CEX) data to examine the cost of health insurance coverage for government as well as private sector employees and for the self-employed. The findings show that, when compared with private-sector employees, the self-employed spend more and government employees spend less on health insurance premium payments. Factors such as education, marital status, region of residence, age, family size and educational attainment are significant determinants of the amount spent on health insurance. In addition, the likelihood of participation in Preferred Provider Option (PPO) health plans is lower for government employees and for self-employed individuals than for private sector employees.</span></span></p>

Union Threat Effects and the Decline in Employer-Provided Health Insurance

ILR Review ◽  
2019 ◽  
Vol 72 (2) ◽  
pp. 417-445
Author(s):  
Craig A. Olson
Keyword(s):  
Health Insurance ◽  
Private Sector ◽  
Insurance Coverage ◽  
State Level ◽  
Union Density ◽  
Health Insurance Coverage ◽  
Full Time ◽  
Non Union ◽  
Private Sector Union ◽  
Threat Effect

Employer-provided health insurance decreased by an average of almost 0.6 percentage points per year for adults aged 18 to 64 who were working full-time in the private sector between 1983 and 2007. Most of this decline was among non-union workers. This study reports estimates that suggest the decrease was caused by a decline employers faced in the threat of being unionized, as measured by the drop in state-level private-sector union density over the 25 years and across the 50 states. The author hypothesizes the decline in union density caused some non-union employers to decide not to offer health insurance. The study shows the importance of accounting for measurement error in union density when estimating the declining threat effect of unionization on non-union employer-provided health insurance coverage.

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.

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 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 Government Employees of Bangladesh and their Willingness to Pay for Social Health Insurance

2021 ◽  
Vol 11 (2) ◽  
pp. 207
Author(s):  
Soeb Md. Shoayeb Noman
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Social Health Insurance ◽  
Insurance Premium ◽  
Social Health ◽  
Government Employees ◽  
Insurance Scheme ◽  
Health Insurance Premium ◽  
The Social ◽  
The Cost

Determining the health insurance premium is the most important aspect in providing social health insurance. In measuring the rate, it is needed to calculate the cost of providing the service. One possible methodological tool of calculating the cost is the contingent valuation method for the evaluation of the consumers’ capacity and their willingness to pay for the services. This study applied a Logit model, having binary depended variable with follow up dichotomous choice at different premium levels, to estimate the factors associated to joining the social health insurance scheme. The study found that 80.1 percent of the government employees of Bangladesh wants to pay on average 6.69 percent of their basic salary as social health insurance premium. The result shows that younger peoples are less willing to pay while older people are more willing to pay for social health insurance. The study also revealed that the area of residence and no of visit to doctor play a key role in determining the willingness to pay. This study should help the policymakers to formulate and implement the social health insurance scheme in Bangladesh.

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