title: A shared responsibility. US employers and the provision of health insurance to employees.
abstract: Employer-based health insurance is the backbone of the U.S. system of health insurance coverage. Yet it has been slowly eroding, and if these trends continue greater numbers of Americans are likely to be uninsured or without affordable coverage. Employer coverage has marked advantages, including benefits to employers and a natural risk pool that offers better benefits at lower cost than individual coverage, and is highly valued by employees. The shift of health care costs from employers who do not cover their workers to other parts of the economy is substantial. Very little attention has been given to policies that might strengthen and expand employer coverage. It will be important to shore up employer coverage both to curb its recent erosion and to build toward a more comprehensive system of health insurance.
authors: Commonwealth Fund, New York, NY 10021, USA. src@cmwf.org
authors: Sara R
authors: SR
authors: Collins
authors: Karen
authors: K
authors: Davis
authors: Alice
authors: A
authors: Ho
mesh_terms: D000328:Adult; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration / Q000706:statistics & numerical data*; D005102:Health Expenditures / Q000706:statistics & numerical data; D006291:Health Policy; D006801:Humans; D019458:Insurance Coverage / Q000706:statistics & numerical data*; D008875:Middle Aged; D012923:Social Class; D014481:United States