title: The improbable future of employment-based insurance.
abstract: Voluntary, employment-based insurance is afflicted by a variety of internal imbalances: inequities in the way health insurance is paid for, a conflict of interest in the selection of health insurance, the concentration of the healthy and the sick into separate plans, and free-ridership. But while all these imbalances generate severe problems, those seeking to reform health insurance in the United States should concentrate on the last two.
authors.forename: J D
authors.initials: JD
authors.lastname: Banja
mesh_terms: D033161:Government Regulation; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration / Q000639:trends; D018166:Health Care Reform / Q000639:trends*; D006801:Humans; D017057:Medically Uninsured / Q000706:statistics & numerical data*; D011203:Poverty