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Even Small Employers Are Striking Out on Their Own
Managed Care (Langhorne, Pa.)
|June 13, 2019
Summary
Group health insurance costs rose due to the ACA. Small businesses are returning to offering coverage, with some now considering self-insurance options.
Area of Science:
- Health insurance economics
- Healthcare policy analysis
Background:
- The Patient Protection and Affordable Care Act (ACA) mandated essential health benefits and no-cost preventive care, increasing group health insurance costs.
- Some small companies previously discontinued offering health insurance due to rising expenses.
Purpose of the Study:
- To analyze the impact of ACA mandates on group health insurance affordability.
- To examine the trend of small businesses re-offering health insurance.
- To explore the growing consideration of self-insurance by small businesses.
Main Methods:
- Analysis of insurance market trends.
- Broker interviews regarding small business coverage decisions.
- Review of factors influencing employer-sponsored health insurance.
Main Results:
- ACA mandates contributed to increased group health insurance premiums.
- A tightening employment market has led some small businesses to reconsider offering health insurance.
- Self-insurance is emerging as a viable alternative for small companies starting new health plans.
Conclusions:
- The ACA's impact on insurance costs is a significant factor for small businesses.
- Shifting employment market dynamics are influencing employer health benefit decisions.
- Self-insurance presents a potential cost-management strategy for small businesses navigating the current insurance landscape.
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