Cover: Recent trends in self-insured employer health plans

Recent trends in self-insured employer health plans

Published 1996

by M. Susan Marquis, Stephen H. Long

Purchase Print Copy

Add to Cart Paperback6 pages Free

Policy makers are interested in how many employer health plans are self-insured and in identifying forces that lead to change. This article reports on findings from the 1993 and 1997 Robert Wood Johnson Foundation Employer Health Insurance Surveys. The percent of businesses self-insuring fell over this period at all size levels, but the change was largest for small employers. The decline seems to be related to growing opportunities to take advantage of the lower costs offered by HMOs. Recent changes in state insurance regulation do not appear to have affected the choice to self-insure.

Originally published in: Health Affairs, v. 18, no. 3, June 1999, pp. 161-166.

This report is part of the RAND reprint series. The Reprint was a product of RAND from 1992 to 2011 that represented previously published journal articles, book chapters, and reports with the permission of the publisher. RAND reprints were formally reviewed in accordance with the publisher's editorial policy and compliant with RAND's rigorous quality assurance standards for quality and objectivity. For select current RAND journal articles, see External Publications.

This document and trademark(s) contained herein are protected by law. This representation of RAND intellectual property is provided for noncommercial use only. Unauthorized posting of this publication online is prohibited; linking directly to this product page is encouraged. Permission is required from RAND to reproduce, or reuse in another form, any of its research documents for commercial purposes. For information on reprint and reuse permissions, please visit

RAND is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.