A Shared Responsibility: U.S. Employers and the Provision of Health Insurance to Employees

Collins, Sara R.; Davis, Karen; Ho, Alice
March 2005
Inquiry (00469580);Spring2005, Vol. 42 Issue 1, p6
Academic Journal
Employer-based health insurance is the backbone of the U.S. system to health insurance coverage. Yet it has been slowly eroding, and if these trends continue greater numbers of Americans are likely to be uninsured or without affordable coverage. Employer coverage has marked advantages, including benefits to employers and a natural risk pool that offers better benefits at lower cost than individual coverage, and is highly valued by employees. The shift of health care costs from employers who do not cover their workers to other parts of the economy is substantial. Very little attention has been given to policies that might strengthen and expand employer coverage. It will be important to shore up employer coverage both to curb its recent erosion and to build toward a more comprehensive system of health insurance.


Related Articles

  • Higher benefit costs, new plan designs, highlight open enrollment season.  // Westchester County Business Journal;10/17/2005, Vol. 44 Issue 42, pS12 

    The article reports on issues and topics related to the open health care enrollment season in the U.S. Along with the new plan designs and choices in the forthcoming open enrollment season, workers will see higher health care costs. According to experts, the increase of benefit costs would...

  • It's Our Money.  // Indiana Business Magazine;Sep2005, Vol. 49 Issue 9, p54 

    Discusses the need for employees to be more conscious of medical costs despite being billed through their employer-sponsored health insurance. Ways by which medical overcharges affect employees' finances even though they are not directly billed by physicians or medical facilities; Benefits of...

  • HEALTH CARE COSTS: BACK TO THE FUNDAMENTALS. Saussy, Philip F. // Journal of Financial Service Professionals;May2004, Vol. 58 Issue 3, p35 

    This article deals with health policy and employee benefits in the U.S. as of May 2004. The health care system in the country is allegedly struggling and has been for a number of years. Employers have largely accepted the increases in health care costs without passing the costs on to the...

  • Finances of Employee Benefits: Health Costs Drive Changing Trends.  // Benefits Quarterly;2006 First Quarter, Vol. 22 Issue 1, p64 

    The article relates that rising health costs are approaching retirement costs, according to an article which appeared in the December 2005 issue of "EBRI Notes." Since the late 1980s, the percentage allocated for voluntary retirement benefits has declined, while the amount for employer-sponsored...

  • Should We Be Worried About High Real Medical Spending Growth In The United States? Pauly, Mark V. // Health Affairs;2003 Supplement, Vol. 22 Issue 1, p15 

    This paper argues that increases in medical spending growth are not necessarily causes for alarm or reasons for strong action. Especially in the private sector, increases in employers' payments for benefits should often be offset with smaller raises; whether employees' cost shares should be...

  • Health-care costs to rise 8 percent in 2005.  // Westchester County Business Journal;2/14/2005, Vol. 44 Issue 7, p28 

    The article presents information about increase in employer-sponsored health care costs in the U.S. According to the 2005 Towers Perrin Health Care Cost Survey, employers can expect, on average, an 8 percent increase in health-care costs this year. That's the first significant break in the...

  • The Health Care Benefit Crisis, Ten Years Later: Part 2. Parmenter, Eric M. // Journal of Financial Service Professionals;May2015, Vol. 69 Issue 3, p83 

    More than 10 years have passed since "Health Care Benefit Crisis: Cost Drivers and Strategic Solutions" appeared in the July 2004 issue of the Journal of Financial Service Professionals [Parmenter, Journal of Financial Service Professionals 58, No. 4 (2004): 63-78]. Part 1 of this two-part...

  • A Fresh Approach to Managing the Cost of Health Coverage: The Link Between Quality and Cost. Blumenstein, David // Benefits & Compensation Digest;Mar2006, Vol. 43 Issue 3, p26 

    A new health plan model invites plan sponsors to shift to a high-performance health plan that emphasizes quality and also contains costs. The model identifies individuals who are high users of care and actively intervenes in their treatment to ensure each patient receives high-quality,...

  • Consumer-driven health care? Faenza, Michael M. // Behavioral Health Management;May/Jun2003, Vol. 23 Issue 3, p10 

    Deals with the plan of U.S. employers to consider consumer-driven health plans (CDHP) with a health reimbursement arrangement to employees due to the rising health care costs in 2003. Implication of the plan for mental health services; Concerns of the National Mental Health Association about...


Read the Article


Sorry, but this item is not currently available from your library.

Try another library?
Sign out of this library

Other Topics