Title: |
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Contributions to Health Insurance Premiums: When Does the Employer Pay 100 Percent? |
Description: |
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We identify the characteristics of establishments that paid 100 percent of health insurance premiums and the policies they offered from 1997-2001, despite increased premium costs. Analyzing data from the MEPS-IC, we see little change in the percent of establishments that paid the full cost of premiums for employees. Most of these establishments were young, small, single-units, with a relatively high paid workforce. Plans that were fully paid generally required referrals to see specialists, did not cover preexisting conditions or outpatient prescriptions, and had the highest out-of-pocket expense limits. These plans also were more likely than plans not fully paid by employers to have had a fee-for-service or exclusive provider arrangement, had the highest premiums, and were less likely to be self-insured. |
Author(s): |
|
Alice M. Zawacki and Amy K. Taylor |
Agency: |
|
Rockville (MD): Agency for Healthcare Research and Quality |
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