Employer-based health insurance in a changing work force.
The loss of manufacturing jobs and the expansion of service jobs and part-time employment have contributed to a decline in the rate of employer-sponsored health insurance among workers. Not only does manufacturing provide more of its own workers with coverage compared with other industry groups, but it also is a significant net "exporter" of coverage to dependent workers in other industries. In 1991 the net export of coverage represented a 20 percent tax on manufacturing employers per covered worker, while professional services--the fastest-growing industry group-collected a subsidy from other industry groups equal to more than 12 percent per covered worker. Similarly, larger firms--those that employed 100 workers or more--paid a self-imposed tax of as much as 13 percent per covered worker to support dependent workers employed in smaller firms.
Chollet
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Center for Risk Management and Insurance Research, Georgia State University, Atlanta.
D003361:Cost Allocation / Q000191:economics / Q000331:legislation & jurisprudence; D003363:Cost Control / Q000331:legislation & jurisprudence; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000331:legislation & jurisprudence / Q000706:statistics & numerical data*; D018166:Health Care Reform / Q000191:economics / Q000331:legislation & jurisprudence*; D006801:Humans; D007342:Insurance Benefits / Q000191:economics / Q000331:legislation & jurisprudence; D017057:Medically Uninsured / Q000331:legislation & jurisprudence*; D009310:National Health Insurance, United States / Q000191:economics / Q000331:legislation & jurisprudence*; D013660:Taxes / Q000331:legislation & jurisprudence; D014481:United States