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Embraceable You: How Employers Influence Health Plan Enrollment

Based on data from a 1999 national survey of 1,939 randomly selected employers, this paper examines the policies that affect the percentage of workers eligible for and enrolled in a firm’s health plan. In 1994, 14 percent of employees worked for a firm offering cash-back payments, but fewer than 1 percent worked for a firm with income-related premiums or deductibles. The strongest determinants of eligibility rates are the waiting time for new employees before they are deemed eligible, and eligibility standards for part-time workers. The primary determinants of the take-up rate are lowest monthly employee contribution for single coverage, and the percentage of the workforce earning less than $20,000 per year.

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				H. S. Luft Universal Health Care Coverage: A Potential Hybrid Solution JAMA, March 14, 2007; 297(10): 1115 - 1118. [Full Text] [PDF]