Health Affairs, 22, no. 2 (2003): 202-210 doi: 10.1377/hlthaff.22.2.202 © 2003 by Project HOPE	New Online   New Issue: China & India   Obesity In China   Pay Cuts For Medicare Docs   Access To Care Woes

This Article Full Text (HTML) Reprint (PDF) Submit a response to this article Alert me when this article is cited Alert me when eLetters are posted Alert me if a correction is posted Services E-mail this article to a friend Similar articles in this journal Similar articles in PubMed Alert me to new issues of the journal Add to My Personal Archive Download to Citation Manager Reprints & Permissions Citing Articles Citing Articles via HighWire Citing Articles via ISI Web of Science (5) Citing Articles via Google Scholar Google Scholar Articles by Gabel, J. R. Articles by Hawkins, S. Search for Related Content PubMed PubMed Citation Articles by Gabel, J. R. Articles by Hawkins, S. Related Collections Insurance Coverage Insurance - Employer-Based System Managed Care

Health Tracking

MARKETWATCH

Self-Insurance In Times Of Growing And Retreating Managed Care

This paper examines trends in self-insurance and in the content of self-insured plans from 1993 to 2001. The percentage of employees enrolled in self-insured plans fell during these years. Much of the decrease was attributable to the decline of indemnity insurance and the rise of HMO and point-of-service plan enrollment. If the product mix had remained constant throughout these years, self-insured enrollment would have grown between 1993 and 1996 and then declined to its current 50 percent level. As a result of the Health Insurance Portability and Accountability Act (HIPAA), the use of preexisting condition clauses declined dramatically in self-insured plans. Self-insured and purchased plans cost similar amounts and provide similar benefits. Cost sharing is somewhat lower in self-insured PPO plans. During periods of rapid inflation, premiums increase more slowly for self-insured than for fully insured plans.

                      What's this?

This article has been cited by other articles:

				M. M. Davis and K. Fant Coverage Of Vaccines In Private Health Plans: What Does The Public Prefer? Health Aff., May 1, 2005; 24(3): 770 - 779. [Abstract] [Full Text] [PDF]

				J. C. Robinson Consolidation And The Transformation Of Competition In Health Insurance Health Aff., November 1, 2004; 23(6): 11 - 24. [Abstract] [Full Text] [PDF]