全球智库信息集成服务系统(G2TT): Will Divestment from Employment-Based Health Insurance Save Employers Money? The Case of State and Local Governments

G2TT

来源类型	Working Paper
规范类型	报告
DOI	10.3386/w20222
来源ID	Working Paper 20222
	Will Divestment from Employment-Based Health Insurance Save Employers Money? The Case of State and Local Governments
	Jeremy D. Goldhaber-Fiebert; David M. Studdert; Monica S. Farid; Jay Bhattacharya
发表日期	2014-06-12
出版年	2014
语种	英语
摘要	Reforms introduced by the Affordable Care and Patient Protection Act (ACA) build new sources of coverage around employment-based health insurance. But what if firms find it cheaper to have their employees obtain insurance from these sources, even after accounting for penalties (for non-provision of insurance) and employee bonuses (to ensure the shift is cost neutral for them)? State and local governments (SLGs) have strong incentives to consider the economics of such “divestment”; many have large unfunded benefits liabilities. We investigated whether SLGs would save under two scenarios: (1) shifting all employees and under-65-retirees to alternative sources of coverage; (2) shifting only employees whose household incomes indicate they would be eligible for federally subsidized coverage and all under-65-retirees. Full divestment would cost SLGs more than they currently pay, due primarily to penalty costs. Selective divestment could save SLGs nearly $129 billion over 10 years at the expense of the federal government.
主题	Public Economics ; National Fiscal Issues ; Subnational Fiscal Issues ; Health, Education, and Welfare ; Health ; Labor Economics ; Labor Market Structures
URL	https://www.nber.org/papers/w20222
来源智库	National Bureau of Economic Research (United States)
引用统计
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/577895
推荐引用方式 GB/T 7714	Jeremy D. Goldhaber-Fiebert,David M. Studdert,Monica S. Farid,et al. Will Divestment from Employment-Based Health Insurance Save Employers Money? The Case of State and Local Governments. 2014.