Affordable, quality health care. For everyone.

Erosion of Employer-Sponsored Health Insurance Coverage and Quality


Workers and their dependents are increasingly at risk of being uninsured, inadequately insured, or lacking in choices among health plans. Although employer-sponsored health insurance remains the foundation for coverage of working families, it has eroded steadily during much of the past decade, and all indicators point to further decline in the next century. Reduced employer commitment to health benefits for workers reflects economic pressures to cut labor costs and compete in an international market, as well as the impact of international competition on the composition of U.S. jobs. The resulting economic pressures on workers—especially unskilled and low-wage workers—are severe. If employers do not offer health insurance coverage or pay a significant share of the premium, low-wage workers often cannot afford insurance and risk going without coverage.

Publication Details

Publication Date: September 1, 1998

Erosion of Employer-Sponsored Health Insurance Coverage and Quality, Cathy Schoen, M.S., and Karen Davis, Ph.D., The Commonwealth Fund, September 1998


Senior Scholar in Residence, New York Academy of Medicine
Professor Emerita in the Department of Health Policy and Management, Johns Hopkins Bloomberg School of Public Health