The majority of Americans receive their health insurance for
themselves and their families through their job. The employee pays
a portion of the premium but the employer chooses the type and
amount of coverage offered as well as administers the plan. This
book addresses the question: Who really pays for employer-arranged
health insurance? Are premiums paid from company profits or do
employees bear the cost through lower wages? Pauly suggests that
this confusion has complicated the debate on public policy and
needs to be alleviated.
This work first shows how views taken by business and political
leaders during the Clinton health reform proposal debate were
affected by this confusion and did not follow the economic view. It
then provides a novel, intuitive, but comprehensive outline of the
economic theory that bears on this question. Empirical evidence
consistent with the economic view is summarized, and the
implications of the view for some important issues in health policy
and in practical health benefits management are discussed in
detail.
"Health Benefits at Work" explores the political economy of health
policy when the stakeholders have an uncertain and possibly
incorrect understanding of their actual interests. For the benefits
specialist, it provides an accessible treatment of the complex and
often counterintuitive economics of health benefits. This will
appeal to the health policy community as well as economists and
anyone concerned with issues surrounding health insurance in
employment settings.
"This book is refreshing . . . clean and intuitive; the logic
devastating." --Michael A. Morrissey
Mark V. Pauly is Professor of Health Care Systems and Insurance and
RiskManagement, The Wharton School, University of Pennsylvania.
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