Private employment-based health insurance in ten states

by Joel C. Cantor, Stephen H Long, M. Susan Marquis

This DataWatch reports key findings from the 1993 Robert Wood Johnson Foundation Employer Health Insurance Survey, through which more than 20,000 employers in ten states were interviewed. The report contrasts the behavior of four size classes of small businesses (fewer than fifty workers) with that of all other businesses. The authors examine offer rates of business size; characteristics of employers and workers in businesses offering and not offering insurance; premiums, benefits, and medical underwriting; the extent of choice among plans; and self-insurance. The authors discuss the implications of their findings for health policy.

Originally published in: Health Affairs, Summer 1995, pp. 199-211.

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