TAILIEUCHUNG - Health Insurance Purchasing Cooperatives

Prior to the 2010 renegotiation of the SRA, some observers argued that the reimbursement rate should be pegged to something other than premium value, such as the number of policies sold, to better reflect actual costs and to help reduce federal expenditures. If premiums are actuarially sound, the administrative costs of writing a policy are likely not proportional to the value of the policy (., whether 10 acres or 1,000 acres, or $3 per bushel or $9 per bushel). In order to control costs, A&O reimbursement under the current SRA is still based on premiums (which are directly affected by. | Task Force on the Future of Health Insurance Issue Brief November 2002 Health Insurance Purchasing Cooperatives Elliot Economic and Social Research Institute The Commonwealth Fund is a private foundation supporting independent research on health and social issues. For more information please contact Cathy Schoen Vice President for Health Policy Research and Evaluation The Commonwealth Fund One East 75th Street New York NY 10021-2692 Tel Fax E-mail cs@ Additional copies of this 567 and other Commonwealth Fund publications are available online at Publications can also be ordered by calling . To learn about new Fund publications when they appear visit the Fund s website and register to receive e-mail alerts. Small employers1 have particular disadvantages as purchasers of health insurance. They often are not well informed about the insurance options available to them because unlike large employers they do not have specialized staff to manage their employee benefit programs. Small business owners who usually make decisions about insurance for their firms typically have little time or expertise to bring to the task and often must rely on an agent s advice. Even when small employers make informed choices their health insurance premiums are likely to be substantially higher than what large employers pay for comparable coverage. One idea for overcoming these disadvantages continues to generate widespread interest the health insurance purchasing cooperative. People attracted to the idea reason that small employers who join together to purchase health coverage collectively should be able to strike a better deal than they would by acting separately. Acting jointly it seems that they should be able realize the advantages that large employers enjoy because of their size and bargaining power. If by aggregating their purchasing power small employers were able to buy coverage at lower cost firms not previously .

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