Employer Sponsored Health Insurance

In the United States and other countries that do not have national health systems, employers often offer health insurance as a benefit to employees. RAND has examined how employer-sponsored health insurance impacts economic and social factors such as entrepreneurs and small businesses, national-level health care costs, industry economic performance, and labor market conditions.

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    Exchange Tax Credits or Employer Coverage: What's Better for Low-Income Americans?

    As the King v. Burwell case approaches, there's likely to be more discussion about potential modifications to the ACA's tax credit structure. Policymakers might consider whether there are opportunities to level the playing field for low-income workers, regardless of whether their employers offer insurance.

    Feb 12, 2015

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    Five Steps to a Successful Workplace Wellness Program

    Workplace wellness programs can reduce health risks, lower health care costs, and improve productivity — but all programs are not created equal. This toolkit presents a five-step guide for the planning, implementation, and evaluation of a successful workplace wellness program.

    Jun 24, 2014

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    A Bitter Pill: Soaring Health Care Spending and the American Family

    Health care costs nearly doubled between 1999 and 2009, which left the average 2009 family with only $95 more per month than in 1999. If costs had matched the consumer price index's rise, the average family would have an additional $450 per month.

    May 23, 2014

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    Research Brief

    Effects of Employer Health Insurance on Disability Insurance Claiming

    National health reform makes it easier for disabled workers to stop working and apply for disability insurance. This study finds that some disabled workers continue working to keep their health insurance but disability applications do not increase.

    May 22, 2014

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    Infographic: How Arkansas May Fare Under the Affordable Care Act

    This infographic presents findings from a RAND analysis of the economic and other effects of the Affordable Care Act on the state of Arkansas.

    May 21, 2014

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    Tracking the ACA with the RAND Health Reform Opinion Study

    The HROS uses panel data to track changes in public opinion regarding the Affordable Care Act and insurance coverage. By surveying the same respondents each month, the HROS observes not only aggregate changes, but also individual changes in opinion or insurance coverage over time.

    Apr 22, 2014

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    Changes in Health Insurance Enrollment Since ACA Implementation

    Early evidence from a nationally representative survey suggests that the Affordable Care Act has led to a substantial increase in health coverage. Among the newly insured, most gained coverage through employer-sponsored insurance or Medicaid.

    Apr 8, 2014

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    Survey Estimates Net Gain of 9.3 Million American Adults with Health Insurance

    Early survey evidence indicates that the Affordable Care Act has already led to a substantial increase in insurance coverage. Consistent with the ACA's design, this gain in insurance has come not only from new enrollment in the marketplaces, but also from new enrollment in employer coverage and Medicaid.

    Apr 8, 2014

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    Final Report: Evaluation of Tools and Metrics to Support Employer Selection of Health Plans

    This report attempts to help employers understand the structural differences between health plans and the performance dimensions along which plans can differ, as well as to educate employers about available tools to evaluate plan options.

    Apr 3, 2014

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    Checking the ACA's Vital Signs

    Despite pervasive challenges associated with the rollout of the Affordable Care Act (ACA), the administration remains optimistic about its fate. Critics, however, have seized upon the recent mishaps as evidence of the ACA's inevitable demise.

    Mar 17, 2014

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    Employer Mandate Delay II: Nothing to See Here

    Amid mounting political pressure and angst in the business community, the Obama administration announced an additional delay in enforcing the employer mandate component of the Affordable Care Act for some firms until 2016. The additional delay will have little impact.

    Mar 3, 2014

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    Determining the Effects of Cost-Sharing in Health Care

    A team of experts from RAND and other institutions completed the most comprehensive study to date on the impact of consumer-directed health plans (CDHPs), with estimates generated from analyses of approximately 60 large U.S. employers and 800,000 households.

    Jan 20, 2014

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    Shaping State Implementation of the Affordable Care Act

    As implementation of the Patient Protection and Affordable Care Act (ACA) unfolds, state governments face numerous decisions. With significant amounts of funding and residents' health at stake, states need strong evidence to inform their policy.

    Dec 10, 2013

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    Employer-Provided Health Insurance: Why Does It Persist, and Will It Continue after 2014?

    As the ACA is implemented, policy makers should be attuned to potential inefficiencies and inequities created by a system with different regulatory and tax rules for small employers, large employers, and individual health plans. Attempts to equalize the playing field may be difficult.

    Dec 2, 2013

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    Ramifications of Health Reform

    2014 will be an important year for the Patient Protection and Affordable Care Act. Health insurance exchanges will offer people new ways to buy insurance. Medicaid will expand in many states. And people without “minimum essential coverage” may have to pay a fee.

    Nov 26, 2013

  • U.S. President Barack Obama talks about the Affordable Care Act in the Brady Press Briefing Room at the White House in Washington, November 14, 2013


    Four Questions on Canceled Insurance Policy Fix

    David Mastio, Forum editor at USA TODAY, asked RAND's Christine Eibner four questions about President Obama's plan to fix the problem with people getting their insurance canceled.

    Nov 15, 2013

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    Data Points: Why Delay of the Employer Mandate May Not Actually Mean That Much

    The bottom line is that the employer mandate does not provide a large inducement for firms to change their health insurance offerings, but it does raise a substantial amount of money to pay for the ACA's coverage provisions over time.

    Aug 29, 2013

  • News Release

    Delay of Employer Insurance Mandate Will Not Cause Major Problems for Affordable Care Act

    A one-year delay in requiring large employers to provide health insurance to their workers will not significantly hurt the goals of the Affordable Care Act, but a repeal of the requirement would seriously undermine financial support for the law.

    Aug 19, 2013

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    Delay of Employer Insurance Mandate Will Not Cause Major Problems for Affordable Care Act

    A one-year delay in requiring large employers to provide health insurance to their workers will not significantly hurt the goals of the Affordable Care Act, but a repeal of the requirement would seriously undermine financial support for the law.

    Aug 8, 2013

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    Labor Market Outcomes of Health Shocks and Dependent Coverage Expansions

    A series of studies on sources of variation in individual valuation of employer-provided group health care found that the effects of bundling health insurance with employment in the U.S. can vary significantly within different population groups.

    Jul 24, 2013