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Related Experiment Videos

Small group insurance reform: how are state programs measuring up?

M Morrisey1, G Jensen

  • 1School of Public Health, University of Alabama at Birmingham, USA.

Spectrum (Lexington, Ky.)
|January 1, 1997
PubMed
Summary

State reforms for small business health insurance, including bare-bones policies and subsidies, have largely failed. Employers found awareness low and programs unappealing, suggesting a need for revised state strategies.

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Area of Science:

  • Health Policy
  • Economics
  • Business Administration

Background:

  • Small businesses face challenges accessing affordable health insurance.
  • State governments have implemented various reforms to address these challenges over the past decade.

Purpose of the Study:

  • To evaluate the effectiveness of state-led reforms in improving small business health insurance access.
  • To identify factors contributing to the limited success of these state policies.

Main Methods:

  • Analysis of state-level reforms, including "bare-bones" policies, underwriting modifications, and subsidies.
  • Drawing from a survey assessing employer awareness and perception of these programs.

Main Results:

  • Over 30 states implemented minimum-benefit, affordable "bare-bones" policies.
  • Most states modified underwriting practices and offered tax or employer subsidies.
  • State policies have had limited success, with low employer awareness and unappealing program designs.

Conclusions:

  • Current state reforms for small business health insurance are largely ineffective.
  • Suggested remedies include offering long-term subsidies instead of short-term ones.
  • Further research is needed to develop successful strategies for small group insurance markets.

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