Embraceable You: How Employers Influence Health Plan Enrollment

Based on data from a 1999 national survey of 1,939 randomly selected employers, this paper examines the policies that affect the percentage of workers eligible for and enrolled in a firm's health plan. In 1994, 14 percent of employees worked for a firm offering cash-back payments, but fewer tha...

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Published in:Health Affairs 2001-07, Vol.20 (4), p.196-208
Main Authors: Gabel, Jon R, Pickreign, Jeremy D, Whitmore, Heidi H, Schoen, Cathy
Format: Article
Language:English
Subjects:
Community Participation
Data Collection
Deductibles and Coinsurance
Economic growth
Eligibility
Eligibility Determination
Employee Incentive Plans
Employees
Employers
Enrollments
GDP
Gross Domestic Product
Group health insurance
Health Benefit Plans, Employee - organization & administration
Health Benefit Plans, Employee - statistics & numerical data
Health insurance
Insurance Coverage
Multivariate Analysis
Organizational Policy
Part time employment
Polls & surveys
Retailing industry
Statistical analysis
Studies
Underwriting
United States
Workers
Workforce
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creator Gabel, Jon R
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description Based on data from a 1999 national survey of 1,939 randomly selected employers, this paper examines the policies that affect the percentage of workers eligible for and enrolled in a firm's health plan. In 1994, 14 percent of employees worked for a firm offering cash-back payments, but fewer than 1 percent worked for a firm with income-related premiums or deductibles. The strongest determinants of eligibility rates are the waiting time for new employees before they are deemed eligible, and eligibility standards for part-time workers. The primary determinants of the take-up rate are lowest monthly employee contribution for single coverage, and the percentage of the workforce earning less than $20,000 per year.
doi_str_mv 10.1377/hlthaff.20.4.196
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source International Bibliography of the Social Sciences (IBSS); Social Science Premium Collection; ABI/INFORM Global; Politics Collection; PAIS Index
subjects Community Participation
Data Collection
Deductibles and Coinsurance
Economic growth
Eligibility
Eligibility Determination
Employee Incentive Plans
Employees
Employers
Enrollments
GDP
Gross Domestic Product
Group health insurance
Health Benefit Plans, Employee - organization & administration
Health Benefit Plans, Employee - statistics & numerical data
Health insurance
Insurance Coverage
Multivariate Analysis
Organizational Policy
Part time employment
Polls & surveys
Retailing industry
Statistical analysis
Studies
Underwriting
United States
Workers
Workforce
title Embraceable You: How Employers Influence Health Plan Enrollment
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