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Job-Based Health Insurance in the Balance: Employer Views of Coverage in the Workplace


Historically, employers have been the primary source of health insurance coverage for working-age Americans and their dependents. Yet according to a recent survey of 453 employers, the job-based health system is under stress. The Commonwealth Fund Supplement to the 2003 National Organizations Study (NOS) finds that double-digit increases in health insurance premiums led employers to shift more of their health care costs to employees in 2002–03. But the survey also finds that most employers who offer health insurance see it as a core part of their compensation packages&#8212a benefit that improves morale and productivity and makes it easier to recruit and retain employees. Employers voice strong support for many recent health reform proposals made by federal and state policy leaders to expand insurance coverage, including proposals that would require them to make financial commitments.

Publication Details

Publication Date: March 1, 2004

Job-Based Health Insurance in the Balance: Employer Views of Coverage in the Workplace, Sara R. Collins, Ph.D., Cathy Schoen, M.S., Michelle M. Doty, Ph.D., and Alyssa L. Holmgren, The Commonwealth Fund, March 2004


Michelle M. Doty
Vice President, Survey Research and Evaluation, The Commonwealth Fund
Sara Collins
Vice President, Health Care Coverage and Access, The Commonwealth Fund
Senior Scholar in Residence, New York Academy of Medicine