Cover; Preface; Contents; Figures; Tables; Summary; Acknowledgments; Abbreviations; Chapter One -- Introduction; Background; Motivation; Approach; Overview of This Report; Chapter Two -- Data; Chapter Three -- Methods; Chapter Four -- Results; Employer Health-Insurance Burdens; Sensitivity Analyses With Very Small Firms; Plan Quality; Chapter Five -- Limitations; Chapter Six -- Discussion; Overall Results; Growth in Health-Insurance Burden at Small Firms; Differences Between Small and Large Firms; Distribution of Health-Insurance Burden Among Offering Firms; Components of Employer Cost Burden
Summary
More than 60 percent of nonelderly Americans receive health-insurance (HI) coverage through employers, either as policyholders or as dependents. However, rising health-care costs are leading many to question the long-term viability of the employer-based insurance system. Concerns about the economic burden of providing HI are particularly acute for small businesses, which are both less likely than larger firms to offer HI and more sensitive to price when deciding to offer insurance. Small firms may have difficulty containing costs due to their limited bargaining power and their inability to hir
Notes
"This research was conducted within the Kauffman-Rand Institute for Entrepreneurship Public Policy in the Rand Institute for Civil Justice"--Preface
