The Health and Wealth of a Nation: Employer-Based Health Insurance and the Affordable Care Act PDF Download
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Author: Nan L. Maxwell
Publisher: W.E. Upjohn Institute
ISBN: 0880994266
Category : Business & Economics
Languages : en
Pages : 208
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Book Description
And Discussion4: How Large Firms Might Respond to the ACA; The ACA and Increasing Costs; Large Firms' Behavior as a Response to Increasing Costs; Past Behavior and Potential Increased Health Care Costs; Summary and Discussion; 5: How Small Firms Might Respond to the ACA; The ACA and Small Firms; Small Firms That Did Not Offer ESI; Small Firms That Offered ESI; Summary and Discussion; 6: Health Policy and Firm Behavior; Analyzing Incentives for Firms to Offer ESI; Firms' Prereform Behavior; Three Characteristics of Employer-Sponsored Insurance in the Prereform Period
Author: Nan L. Maxwell
Publisher: W.E. Upjohn Institute
ISBN: 0880994266
Category : Business & Economics
Languages : en
Pages : 208
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Book Description
And Discussion4: How Large Firms Might Respond to the ACA; The ACA and Increasing Costs; Large Firms' Behavior as a Response to Increasing Costs; Past Behavior and Potential Increased Health Care Costs; Summary and Discussion; 5: How Small Firms Might Respond to the ACA; The ACA and Small Firms; Small Firms That Did Not Offer ESI; Small Firms That Offered ESI; Summary and Discussion; 6: Health Policy and Firm Behavior; Analyzing Incentives for Firms to Offer ESI; Firms' Prereform Behavior; Three Characteristics of Employer-Sponsored Insurance in the Prereform Period
Author: Staff of the Washington Post
Publisher: PublicAffairs
ISBN: 1586489356
Category : Political Science
Languages : en
Pages : 290
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Book Description
The Washington Post's must-read guide to the health care overhaul What now? Despite the rancorous, divisive, year-long debate in Washington, many Americans still don't understand what the historic overhaul of the health care system will -- or won't -- mean. In Landmark, the national reporting staff of The Washington Post pierces through the confusion, examining the new law's likely impact on us all: our families, doctors, hospitals, health care providers, insurers, and other parts of a health care system that has grown to occupy one-sixth of the U.S. economy. Landmark's behind-the-scenes narrative reveals how just how close the law came to defeat, as well as the compromises and deals that President Obama and his Democratic majority in Congress made in achieving what has eluded their predecessors for the past seventy-five years: A legislative package that expands and transforms American health care coverage. Landmark is an invaluable resource for anyone eager to understand the changes coming our way.
Author: Paul Zane Pilzer
Publisher: John Wiley & Sons
ISBN: 1119012112
Category : Business & Economics
Languages : en
Pages : 288
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Book Description
How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.
Author: Christine Eibner
Publisher: Rand Corporation
ISBN: 0833081241
Category : Business & Economics
Languages : en
Pages : 117
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Book Description
In this report, the authors estimate the effects of the Affordable Care Act on health insurance enrollment and premiums for ten states (Florida, Kansas, Louisiana, Minnesota, New Mexico, North Dakota, Ohio, Pennsylvania, South Carolina, and Texas) and for the nation overall, with a focus on outcomes in the nongroup and small group markets.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309219140
Category : Medical
Languages : en
Pages : 256
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Book Description
In 2010, an estimated 50 million people were uninsured in the United States. A portion of the uninsured reflects unemployment rates; however, this rate is primarily a reflection of the fact that when most health plans meet an individual's needs, most times, those health plans are not affordable. Research shows that people without health insurance are more likely to experience financial burdens associated with the utilization of health care services. But even among the insured, underinsurance has emerged as a barrier to care. The Patient Protection and Affordable Care Act (ACA) has made the most comprehensive changes to the provision of health insurance since the development of Medicare and Medicaid by requiring all Americans to have health insurance by 2016. An estimated 30 million individuals who would otherwise be uninsured are expected to obtain insurance through the private health insurance market or state expansion of Medicaid programs. The success of the ACA depends on the design of the essential health benefits (EHB) package and its affordability. Essential Health Benefits recommends a process for defining, monitoring, and updating the EHB package. The book is of value to Assistant Secretary for Planning and Evaluation (ASPE) and other U.S. Department of Health and Human Services agencies, state insurance agencies, Congress, state governors, health care providers, and consumer advocates.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309048273
Category : Medical
Languages : en
Pages : 381
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Book Description
The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.
Author: Ezekiel J. Emanuel
Publisher: PublicAffairs
ISBN: 1541797779
Category : Medical
Languages : en
Pages : 415
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Book Description
Ten years after the landmark legislation, Ezekiel Emanuel leads a crowd of experts, policy-makers, doctors, and scholars as they evaluate the Affordable Care Act's history so far. In March 2010, the Affordable Care Act officially became one of the seminal laws determining American health care. From day one, the law was challenged in court, making it to the Supreme Court four separate times. It transformed the way a three-trillion-dollar sector of the economy behaved and brought insurance to millions of people. It spawned the Tea Party, further polarized American politics, and affected the electoral fortunes of both parties. Ten years after the bill's passage, a constellation of experts--insiders and academics for and against the ACA--describe the momentousness of the legislation. Encompassing Democrats and Republicans, along with legal, financial, and health policy experts, the essays here offer a fascinating and revealing insight into the political fight of a generation, its consequences for health care, politics, law, the economy-and the future.
Author: U.s. Government Accountability Office
Publisher:
ISBN: 9781974236497
Category :
Languages : en
Pages : 42
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Book Description
"The share of employers offering health coverage has generally declined in the last decade. Researchers believe that certain provisions of PPACA could affect employers' future willingness to offer health coverage, such as the availability of subsidized coverage through new health insurance marketplaces called "exchanges" and an "individual mandate," which will require most people to obtain health coverage or pay a tax penalty. Certain PPACA provisions are scheduled to take effect in 2014. Researchers have provided various estimates of the effect PPACA may have on employer-sponsored coverage.GAO was asked to review the research on this topic. GAO examined (1) estimates of the effect of PPACA on the extent of employer-sponsored coverage; (2) factors that may contribute to the variation in estimates; and (3) how estimates of coverage vary by the types of employers and employees that may be affected, as well as other changes employers may be considering to the health benefits they offer. GAO reviewed studies published from January 1, 2009, through March 30, 2012 containing an original numerical estimate of the prevalence of employer-sponsored coverage at the national level. These included 5 microsimulation models and 19 employer surveys. Microsimulation models can systematically estimate the combined effects of multiple PPACA provisions in terms of both gains and losses of coverage; their results are based on multiple data sets and"
Author: Daniel E. Dawes
Publisher: Johns Hopkins University Press
ISBN: 1421425696
Category : Medical
Languages : en
Pages : 309
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Book Description
Offering unparalleled and complete insight into the efforts by the Obama administration, Congress, and external stakeholders, 150 Years of ObamaCare illuminates one of the most challenging legislative feats in the history of the United States.
Author: Liaropoulos, Lykourgos
Publisher: Stergiou Limited
ISBN: 1910370894
Category : Business & Economics
Languages : en
Pages : 153
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Book Description
Health has been one of the most frequent issues arising in the Social Policy debate for the last 60 or more years. The answers given vary according to political ideology, economic expediency, and the moral standing of individuals and society. The sources of funding are essentially two: either the individual directly, or a larger group acting on his behalf. In the second case, we have two main categories. The individual is either covered by private for-profit insurance, or by a public insurance scheme financed by mandatory employment contributions and/or by taxes on income and/or wealth. The economic implications of each form of health insurance are immense—for individuals, employers, the government, and for the economy as a whole. The main differentiation is the position of health care in the value system of society. If health care is considered a right, its financing must be similar to that of other public goods or rights such as justice, national security, personal safety, basic education, etc. At the same time, the provision of all public goods is a public responsibility and government is judged by how well it measures up to this responsibility. If, on the other hand, health care is considered a good, bought and sold on the market, then it is up to individuals to provide for themselves. Obviously, this fundamental issue belongs to the sphere of politics and is up to society to judge, according to its code of ethics. The time to decide has come in America, somewhat belatedly, but in a way more acute than ever. The health of individuals, but also and mainly the economic health of the nation, depends on the decision.
