The Health Insurance Problem: Hearings Before the Committee on Small Business, House of Representatives, One Hundredth Congress, First Session, Washington, DC, May 6; June 16 and 18, 1987, Opseg 4U.S. Government Printing Office, 1987 - Broj stranica: 411 |
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administrative adverse selection afford AHCCCS answer Association Basic Health Plan BILBRAY Boulder County catastrophic Chairman LAFALCE CHOLLET committee Congress covered Current Population Survey deductible DEFRA Denver dependents eligible employed employee benefits employer plans employer-based employment ERISA full-time employees going Government health benefits health care costs health care coverage Health Care Group health coverage health insurance coverage health insurance premiums hospitals incentives income increase indigent individuals industry legislation less mandated benefits mandated health marketplace Medicaid medically indigent medically uninsurable minimum wage NFIB Nonworker offer health insurance options participation percent problem Project Access provide health insurance purchase qualify rates reason regulations response retirement plan risk pools Robert Wood Johnson self-employed self-insured SKELTON small business owners small employers small firms small group strategy subsidized survey SWAIN Table Total uninsured population uninsured workers voluntary WILENSKY Wood Johnson Foundation
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Stranica 276 - no answers" and the */William C. Dunkelberg and Jonathan A. Scott, Report on the Representativeness of -the National Federation of Independent Business Sample of Small Firms i_n the United States.
Stranica 245 - Costs (premiums) for both employers and employees rose, but employers were far more likely to have experienced one. In fact, three of four reported their premium cost higher than three years prior, but just one of four reported the employee premium cost higher. As many as 36% failed to respond to aspects of change in health insurance coverage. Since only responses from those with coverage three years ago were counted, it would appear that many owners were not familiar with the details of the plan...
Stranica 262 - Curiously, respondents from firms employing 50 or more people were less likely to know their plans by name than were those from smaller firms, indicating greater delegation or reliance on advisors. While a profit sharing plan is normally considered to be a type of defined contribution plan, small business owner respondents do not necessarily consider it as such. In fact, there were almost as many who marked profit sharing as marked defined contribution. The implication is that profit sharing is often...
Stranica 242 - Just 81. provided lesser coverage, and 101 either didn't reply or didn't know. There was some evidence that smaller firms were more likely to provide lesser kinds of coverage and vice versa, but the relationship was surprisingly weak.
Stranica 258 - The two reasons most frequently cited in 1978 were the two most frequently cited in the current survey. A nuance in this regard was that those attributing their action to a predominance of secondary wage earners fell twelve percentage points to 261. There is no immediate explanation for the fall. Small declines were also registered for employee turnovers and can't qualify for a group. Given the reasons for not currently providing employee health insurance, stimulants to provide it were predictable....
Stranica 31 - Conclusions or recommendations in the Institute's publications are solely those of the author, and should not be attributed to the Board of Directors, Council of Trustees, or contributors to the Institute.
Stranica 233 - Well over 807. of health insurance plans offered in small firms carried an option for dependent coverage. However, few part-time employees were provided any health benefits. The mean monthly health insurance premium paid by small employers was over $1,766, more than double the monthly premiums paid in 1978.
Stranica 245 - ... were probably significantly different from those in the last three. Despite these data limitations, small business owner responses in 1985 suggested considerable change in the characteristics of health benefits provided over the past three years, though on balance only modest improvement (Table 7). For example, the number increasing the percentage of employees covered was three times as great as the percentage decreasing. Benefits were increased by 26% compared to 14% reducing them.
Stranica 93 - Benefits Until very recently, the trend toward mandated health benefits remained largely a state law phenomenon. For decades, the only benefits that employers were required by federal law to provide were Social Security, unemployment insurance, and workers
Stranica 253 - ... interested in locating coverage. But, there were also many who spent a reasonable time searching and simply could not find something to meet their needs. The amount of time spent searching was clearly reduced by the dependence on outside advisors. In the overwhelming majority of instances (over 60%), small business owners relied on outside professionals to provide them information on health insurance and health case costs, options, etc. The single most important source of that information, and...