Why Employers Will Continue to Provide Health Insurance: The Impact of the Affordable Care Act
Open Access
- 1 May 2012
- journal article
- research article
- Published by SAGE Publications in INQUIRY: The Journal of Health Care Organization, Provision, and Financing
- Vol. 49 (2), 116-126
- https://doi.org/10.5034/inquiryjrnl_49.02.05
Abstract
The Congressional Budget Office, the Rand Corporation, and the Urban Institute have estimated that the Patient Protection and Affordable Care Act (ACA) will leave employer-sponsored coverage largely intact; in contrast, some economists and benefit consultants argue that the ACA encourages employers to drop coverage, thereby making both their workers and their firms better off (a “win-win” situation). This analysis shows that no such “win-win” situation exists and that employer-sponsored insurance will remain the primary source of coverage for most workers. Analysis of three issues—the terms of the ACA, worker characteristics, and the fundamental economics of competitive markets—supports this conclusion.Keywords
This publication has 3 references indexed in Scilit:
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