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View Diary: So what companies DO offer health insurance? (21 comments)

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  •  Most companies offer insurance... (3+ / 0-)
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    irishwitch, debedb, afisher

    ...except in low income jobs and the cost for employers and employees are going up.HHS:

    What Are the Recent Trends in Offer, Eligibility, and Enrollment rates?

    In recent years (1996-2002), countervailing trends among offer, eligibility, and enrollment rates have characterized the employer-sponsored health insurance market. Offer rates have risen while eligibility and enrollment rates have gone down, whether measured in relation to all private-sector employees, private-sector full-time employees, or private- sector part-time employees (Table 1).

    For example, from 1996 to 2002, among all private-sector employees, the offer rate increased from 86.5 percent to 88.3 percent, the eligibility rate decreased from 81.3 percent to 77.1 percent, and the enrollment rate dropped from 69.6 percent to 62.4 percent. In addition, the enrollment-when-eligible rate dropped 4.5 percentage points, from 85.5 percent in 1996 to 81.0 percent in 2001.8 Some of the decrease in the enrollment rate may result from an increase in workers who enroll in their spouse's employer-sponsored plans instead of their own. One study reporting on a drop in enrollment in the period 1987-96 found that it was partly offset by a rising rate of enrollment in a spouse's plan.6

    According to recent research, the principal reason for decreasing enrollment during the period 1987-2000 was that the cost to employees had risen substantially.9 An earlier analysis of enrollment trends in the period 1987-96 suggested that decreasing enrollments have resulted from a variety of factors, including increasing costs of insurance, rising employee share of health insurance premium cost, expansions in Medicaid, declining real incomes, and increased price-consciousness among workers.6


    The offer rate is the percent of employees who work where insurance is offered.
        The eligibility rate is the percent of employees eligible to enroll where insurance is offered. In most cases, to be eligible for employer-based coverage, employees must have full-time status and also pass through a waiting period after commencement of employment.
        The enrollment rate is the percent of all who work where insurance is offered who enroll.
        The enrollment-when-eligible rate is the percent of eligible workers who enroll in offered coverage.

    Note: Definitions are taken from the MEPS-IC (Insurance Component).
    What Is the Impact of Firm Size on Offer Rates?

    Firms with large numbers of employees are more likely to offer their employees health insurance:

        Among medium and large private-sector employers (firms with 50 or more employees), 97.8 percent of all employees worked where health insurance was offered in 2002.10
        Among small private-sector employers (firms with fewer than 50 employees), 63.5 percent of all employees worked where health insurance was offered.11

    Small employers not offering health insurance typically cite the cost of insurance and the belief that employees have other sources of coverage (e.g., through a spouse) as their principal reasons (Figure 1). The firms least likely to offer coverage are those with low-wage workers, high turnover, no unions, and many part-time employees.12 The smaller the firm size, the more likely are its employees to be uninsured. However, it is interesting to note that the proportion of uninsured workers employed even by quite large firms (500 or more workers) has grown in recent years. Between 1987 and 2001, the proportion of uninsured workers in these firms expanded from 25 to 32 percent. Declines in manufacturing jobs and unionization rates are the most important reasons for the rise in uninsured workers at these large firms.12

    As young people choose a career to move toward, or a job to apply for, benefits are at least as much of a factor as salary and, IMO, a bigger one or entry level jobs.  

    Let all Bush tax cuts expire and , bring on the Sequestration cuts to defense.

    by kck on Thu Nov 15, 2012 at 05:24:55 PM PST

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