A shared responsibility: U.S. employers and the provision of health insurance to employees

Sara R. Collins, Karen Davis, Alice Ho

Research output: Contribution to journalReview articlepeer-review

Abstract

Employer-based health insurance is the backbone of the U.S. system of health insurance coverage. Yet it has been slowly eroding, and if these trends continue greater numbers of Americans are likely to be uninsured or without affordable coverage. Employer coverage has marked advantages, including benefits to employers and a natural risk pool that offers better benefits at lower cost than individual coverage, and is highly valued by employees. The shift of health care costs from employers who do not cover their workers to other parts of the economy is substantial. Very little attention has been given to policies that might strengthen and expand employer coverage. It will be important to shore up employer coverage both to curb its recent erosion and to build toward a more comprehensive system of health insurance.

Original languageEnglish (US)
Pages (from-to)6-15
Number of pages10
JournalInquiry
Volume42
Issue number1
DOIs
StatePublished - Jan 1 2005
Externally publishedYes

ASJC Scopus subject areas

  • Health Policy

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