What will happen if employers drop health insurance? A simulation of employees' willingness to purchase insurance in the individual market

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3 Scopus citations

Abstract

Although employer-sponsored insurance is the primary source of health insurance for non-elderly individuals, premium growth and federal health insurance reform, including tax credits to purchase individual insurance, might decrease employers' propensity to offer coverage. Using estimates from a model of employer-sponsored insurance take-up, we simulate the proportion of workers who hold coverage who would be willing to purchase individual coverage if their employers dropped this benefi t. Additionally, we consider how take-up rates would increase given the availability of income-based subsidies for workers who lose insurance.

Original languageEnglish (US)
Pages (from-to)191-214
Number of pages24
JournalNational Tax Journal
Volume63
Issue number2
StatePublished - Jun 1 2010

Keywords

  • Employer-sponsored health insurance
  • Premium tax credits

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