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- W2017280149 abstract "Many of the legislative proposals to address the growing problem of uninsured Americans to date have focused on improving access to health insurance for small businesses. This focus is sound for three reasons. First, the impact could be quite large–over 53 percent of the uninsured work for small businesses, and many more are dependents of someone who works for a small firm. Second, these reforms retain our current employment-based system of providing health insurance–a system that is favored by a large number of employers and employees. Third, the reforms expand access to health insurance without requiring that the federal government raise taxes. Proposals targeted at covering employees of small businesses have taken two forms. The first, reforms of the small-group insurance market, attempt to address many of the problems small businesses face in offering health insurance to employees: high costs, rising rates, policy cancellations, lack of access to a policy due to insurance policies such as “redlining” (that is, excluding) specific industries, exclusions of certain individuals or illnesses, and lack of information about rates. Such proposals retain the voluntary nature of health benefits and only attempt to regulate the sale of policies by insurance companies. The second group of proposals focuses on providing access to insurance for small businesses as part of a comprehensive program to cover all of the uninsured. Universal access proposals fall into three categories-employer mandates, “play-or-pay” proposals, and single-payer programs-and the effect of any policy on small businesses will depend on the financing levels set in the legislation. A variety of tax rates and subsidy levels are being considered." @default.
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- W2017280149 date "1992-01-01" @default.
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- W2017280149 title "Small Business And The National Health Care Reform Debate" @default.
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- W2017280149 doi "https://doi.org/10.1377/hlthaff.11.1.164" @default.
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