Open Access. Powered by Scholars. Published by Universities.®

Insurance Commons

Open Access. Powered by Scholars. Published by Universities.®

Social and Behavioral Sciences

2015

Health insurance

Articles 1 - 1 of 1

Full-Text Articles in Insurance

Is There A Future For Employer- Sponsored Health Insurance?, Mark V. Pauly Mar 2015

Is There A Future For Employer- Sponsored Health Insurance?, Mark V. Pauly

Penn Wharton Public Policy Initiative

Over the next five years, the effects of the ACA on employer-sponsored insurance will be modest. In the longer run, there is greater potential for disruption, depending on how firms respond to the subsidies available on the exchanges for low-wage workers. In all, only about 15% of the workforce likely will be affected. The impacts of the ACA on firms will vary widely based on three main factors: 1) the size of the firm, 2) the average compensation within the firm, and 3) the degree to which wages within the firm are homogenous or heterogeneous. Keeping in mind that employees ...