Author: United States. Congress. House. Committee on Small Business. Subcommittee on Contracting and WorkforcePublisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 52
Book Description
Self-Employment and Health Care Reform
Author: Thealexa BeckerPublisher:
ISBN: 9781457865503
Category :
Languages : en
Pages : 51
Book Description
This report examined the effect of the Massachusetts health care reform on the uninsured rate and the self-employment rate in the state. The reform required all individuals to obtain health insurance, required most employers to offer health insurance to their employees, formed a private marketplace that offered subsidized health insurance options and expanded public insurance. The authors show that the reform led to a dramatic reduction in the state's uninsured rate due to increased enrollment in both public and private health insurance. Easier access to health insurance encouraged self-employment in Massachusetts. There are many similarities between the Massachusetts health care reform and the national health care reform, the Patient Protection and Affordable Care Act (PPACA), so the PPACA will lower the national uninsured rate and may lead to a higher self-employment rate in the nation. Figures and tables. This is a print on demand report.
Obamacare and the Self-employed
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Contracting and WorkforcePublisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 52
Book Description
Self-Employment and the Role of Health Insurance
Author: Gulcin GumusInsurance and the Utilization of Medical Services Among the Self-employed
Author: Craig William PerryPublisher:
ISBN:
Category : Economics
Languages : en
Pages : 56
Book Description
There has been substantial public policy concern over the relatively low rates of health insurance coverage among the self-employed in the United States. We use data from the Medical Expenditure Panel Survey conducted in 1996 to analyze how the self-employed and wage-earners differ both with respect to insurance coverage and utilization of a variety of health care services. Our results suggest that for the self-employed, the link between insurance and utilization of health care services is not as strong as assumed in the policy debate. For a number of medical care services, the self-employed have the same rates of utilization as wage-earners, despite the fact that they are substantially less likely to be insured. And when the self-employed are less likely than wage-earners to utilize a particular medical service, the differences generally do not seem very large. The self-employed thus appear to be able to finance access to health care from sources other than insurance. Further, analysis of out-of-pocket expenditures on health care suggests that doing so does not lead to substantial reductions in their ability to consume other goods and services. Finally, there is no evidence that children of the self-employed have less access to health care than the children of wage-earners. Hence, the public policy concerns that the relative lack of health insurance among the self-employed substantially reduces utilization of health care services or creates economic hardship appear to be misplaced.
The Self-employed are Less Likely to Have Health Insurance Than Wage-earners
Author: Craig William PerryPublisher:
ISBN:
Category : Economics
Languages : en
Pages : 68
Book Description
Abstract: There is considerable public policy concern over the relatively low rates of health insurance coverage among the self-employed in the United States. Presumably, the reason for the concern is that their low rates of insurance lead to worse health outcomes. We use data from the Medical Expenditure Panel Survey conducted in 1996 to analyze how the self-employed and wage-earners differ with respect to insurance coverage and health status. Using a variety of ways to measure health status, we find that the relative lack of health insurance among the self-employed does not affect their health. For virtually every subjective and objective measure of health status, the self-employed and wage earners are statistically indistinguishable from each other. Further, we present some evidence that this phenomenon is not due to the fact that individuals who select into self-employment are healthier than wage-earners, ceteris paribus. Thus, the public policy concern with the relative lack of health insurance among the self-employed may be somewhat misplaced.
Health-Care Utilization as a Proxy in Disability Determination
Author: National Academies of Sciences, Engineering, and MedicinePublisher: National Academies Press
ISBN: 030946921X
Category : Medical
Languages : en
Pages : 161
Book Description
The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Public Health Insurance and Entry Into Self-employment
Author: Frank M. FossenHealth Insurance Deductibility for Self-employed Individuals
Author: United States. Congress. House. Committee on Small BusinessPublisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 64
Book Description
Employment and Health Benefits
Author: Institute of MedicinePublisher: National Academies Press
ISBN: 0309048273
Category : Medical
Languages : en
Pages : 381
Book Description
The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.
Author: