An issue brief funded by the Robert Wood Johnson Foundation as part of its Quick Strike Seriesconsiders how employers might react to provisions of the Affordable Care Act (ACA) and offers an analysis of factors that are likely to influence their decisions to drop or retain employer-sponsored insurance (ESI).
The Urban Institute authors state that the ACA will leave ESI largely intact, but that decisions to continue or drop ESI will come down to whether employers and their employees stand to benefit more from ESI or coverage available through state insurance exchanges. The authors contend:
The Urban Institute authors state that the ACA will leave ESI largely intact, but that decisions to continue or drop ESI will come down to whether employers and their employees stand to benefit more from ESI or coverage available through state insurance exchanges. The authors contend:
- Better-paid workers remain better off with ESI.
- Employers will likely only drop coverage if most workers would benefit from switching to the exchange.
- Employers are unlikely to drop coverage due to complexities in assessing employees' preferences.
- Employers are unlikely to make decisions to encourage some employees to drop coverage and not others.
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