Individual versus job-based health insurance: Weighing the pros and cons

Mark Pauly, Allison Percy, Bradley J Herring

Research output: Contribution to journalArticle

Abstract

Although the majority of insured Americans receive their health insurance through their employers, some depend on the individual health insurance market. However, with increased criticism of the lack of choice in group coverage and various proposals including subsidies or tax credits to decrease the number of uninsured, the individual market may start to play a larger role. In this paper we conclude that although efficient large-group insurance will appropriately continue to exist, the individual market appears to be improving, in both administrative cost and protection against high premiums associated with high risk. For diverse workers now in small groups with little plan choice, the individual market might become a reasonable alternative.

Original languageEnglish (US)
Pages (from-to)28-44
Number of pages17
JournalHealth Affairs
Volume18
Issue number6
DOIs
StatePublished - 1999
Externally publishedYes

Fingerprint

Health Insurance
health insurance
Taxes
market
Insurance
Costs and Cost Analysis
premium
taxes
subsidy
small group
insurance
credit
employer
criticism
Group
coverage
worker
lack
costs

ASJC Scopus subject areas

  • Nursing(all)
  • Health(social science)
  • Health Professions(all)
  • Health Policy

Cite this

Individual versus job-based health insurance : Weighing the pros and cons. / Pauly, Mark; Percy, Allison; Herring, Bradley J.

In: Health Affairs, Vol. 18, No. 6, 1999, p. 28-44.

Research output: Contribution to journalArticle

Pauly, Mark ; Percy, Allison ; Herring, Bradley J. / Individual versus job-based health insurance : Weighing the pros and cons. In: Health Affairs. 1999 ; Vol. 18, No. 6. pp. 28-44.
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