TAILIEUCHUNG - Employers' Benefits From Workers' Health Insurance

When you buy a policy, insurance companies let you choose a benefit amount (usually $50 to $350 a day, $350 to $2,450 a week, or $1,500 to $10,500 a month) for care in a nursing home. If a policy covers home care, the benefit is usually a portion of the benefit for nursing home care (., 50% or 75%), although a growing number of policies pay the same benefit amounts for care at home as in a facility. Often, you can select the home care benefit amount that you prefer. It is important to know how much skilled nursing homes, assisted living facilities, and home health care agencies. | Employers Benefits from Workers Health Insurance ELLEN O BRIEN Georgetown University Most nonelderly AMERICANS receive their health insurance coverage through their workplace. Almost all large firms offer a health insurance plan and even though they face greater barriers to providing coverage so do the majority of very small f irms. These employment-based plans cover two-thirds of nonelderly Americans and pay most of working families expenses for health care and about one-quarter of national health spending. Despite employers role in the health insurance market however very little attention has been paid to employers motivations for providing health insurance to workers. Why do employers offer health insurance to workers Is it because workers want it Because their unions demand it Or do employers offer health benef its to workers because their productivity and prof itability depend on it The standard economic theory of the availability of employer-provided health insurance focuses on worker demand Cutler 1997 Pauly 1997 Summers 1989 . According to that theory employers are willing to arrange health insurance plans for workers because workers are willing to buy that health insurance through wages reduced by the amount of the cost of the insurance. The theory states that rather than receiving additional cash compensation and f inding and purchasing health insurance on their own workers prefer to obtain coverage through their employers and so accept a wage offset to cover the cost of that coverage. This theory has a number of problems though not the least of which is that the data The Milbank Quarterly Vol. 81 No. 1 2003 2003 Milbank Memorial Fund. Published by Blackwell Publishing 350 Main Street Malden MA 02148 USA and PO Box 1354 9600 Garsington Road Oxford OX4 2DQ UK. 5 6 Ellen O Brien provide very little support for it. Despite decades of effort to demonstrate its validity the empirical basis for the theory of compensating differentials remains surprisingly weak.

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