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Related Experiment Videos

Making health reform work without employer mandates.

R M Battistella1, J M Kuder

  • 1Sloan Graduate Program in Health Services Administration, Cornell University, Ithaca, NY.

The Journal of American Health Policy
|April 8, 1993
PubMed
Summary

Shifting health insurance responsibility from employers to households can improve economic competitiveness. This approach involves income-based subsidies and cost-effective benefit packages for better healthcare access.

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Area of Science:

  • Health economics
  • Public health policy
  • Labor economics

Background:

  • Employer-sponsored health insurance is a common but potentially detrimental model.
  • Current U.S. economic conditions necessitate innovative healthcare solutions.
  • Expanding health insurance coverage is a key policy objective.

Purpose of the Study:

  • To evaluate the economic impact of employer-mandated health insurance.
  • To propose an alternative model for health insurance procurement.
  • To identify strategies for cost-effective healthcare coverage expansion.

Main Methods:

  • Economic modeling to assess employment and competitiveness impacts.
  • Analysis of policy levers for individual health insurance procurement.
  • Framework development for basic, cost-effective health benefit packages.

Main Results:

  • Employer mandates may negatively affect economic competitiveness and employment.
  • Individual household responsibility, with subsidies, offers a viable alternative.
  • Establishing benefit package limits based on efficacy and cost-effectiveness is crucial.

Conclusions:

  • Transitioning health insurance responsibility to individuals is economically prudent.
  • Targeted subsidies and defined benefit packages can ensure access and affordability.
  • This model supports both economic strength and broader health coverage.

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