Does the incidence of group health insurance fall on individual workers?

Helen Levy, Roger Feldman

Research output: Contribution to journalArticlepeer-review

19 Scopus citations


Economic models predict that the cost of health insurance is borne by workers. In this paper we ask two questions. First, is cost shifting individual-specific: does a worker with higher expected medical expenses bear this cost? Second, how do explicit employee contributions affect cost shifting? We estimate wage change regressions that include as explanatory variables changes in health insurance coverage, changes in employee premium contributions, health status, and an interaction between health insurance changes and health status. We find no evidence of a significant wage offset at either the individual or group level and conclude that changes in health insurance status are not exogenous.

Original languageEnglish (US)
Pages (from-to)227-247
Number of pages21
JournalInternational journal of health care finance and economics
Issue number3-4
StatePublished - Jan 1 2001


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