Contributions to Health Insurance Premiums: When Does the Employer Pay 100 Percent?

Alice Zawacki and Amy Taylor

Working Papers from U.S. Census Bureau, Center for Economic Studies

Abstract: 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, singleunits, with a relatively high paid workforce. Plans that were fully paid generally required referrals to see specialists, did not cover pre-existing 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.

Keywords: employer-sponsored health insurance; contributions; premiums (search for similar items in EconPapers)
Pages: 18 pages
Date: 2005-12
New Economics Papers: this item is included in nep-hea, nep-ias and nep-lab
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Citations: View citations in EconPapers (5)

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https://www2.census.gov/ces/wp/2005/CES-WP-05-27.pdf First version, 2005 (application/pdf)

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Persistent link: https://EconPapers.repec.org/RePEc:cen:wpaper:05-27

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