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

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  • Alice Zawacki
  • Amy Taylor

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.

Suggested Citation

  • Alice Zawacki & Amy Taylor, 2005. "Contributions to Health Insurance Premiums: When Does the Employer Pay 100 Percent?," Working Papers 05-27, Center for Economic Studies, U.S. Census Bureau.
    • Handle: RePEc:cen:wpaper:05-27
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    File URL: https://www2.census.gov/ces/wp/2005/CES-WP-05-27.pdf
    File Function: First version, 2005
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    Cited by:

    1. Xuguang Guo & Ran Tao, 2015. "Health Benefit Downward Rigidity: Employers’ Responses to Rising Insurance Costs," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 18(2), pages 217-241, September.
    2. Jessica Vistnes & Alice Zawacki & Kosali Simon & Amy Taylor, 2010. "Declines in Employer Sponsored Coverage Between 2000 and 2008: Offers, Take-Up, Premium Contributions, and Dependent Options," Working Papers 10-23, Center for Economic Studies, U.S. Census Bureau.
    3. Rosemary Hyson & Alice Zawacki, 2008. "Health-Related Research Using Confidential U.S. Census Bureau Data," Working Papers 08-21, Center for Economic Studies, U.S. Census Bureau.
    4. G. Edward Miller & Jessica Vistnes & Matthew Buettgens & Lisa Dubay, 2017. "The availability and marginal costs of dependent employer-sponsored health insurance," International Journal of Health Economics and Management, Springer, vol. 17(2), pages 251-260, June.
    5. C. J. Krizan & Adela Luque & Alice Zawacki, 2014. "The Effect Of Employer Health Insurance Offering On The Growth And Survival Of Small Business Prior To The Affordable Care Act," Working Papers 14-22, Center for Economic Studies, U.S. Census Bureau.

    More about this item

    Keywords

    employer-sponsored health insurance; contributions; premiums;
    All these keywords.

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