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The economic burden of providing health insurance: how much worse off are small firms?

The economic burden of providing health insurance: how much worse off are small firms?

Eibner, Christine

More than 60 percent of nonelderly Americans receive health-insurance (HI) coverage through employers, either as policyholders or as dependents. However, rising health-care costs are leading many to question the long-term viability of the employer-based insurance system. Concerns about the economic burden of providing HI are particularly acute for small businesses, which are both less likely than larger firms to offer HI and more sensitive to price when deciding to offer insurance. Small firms may have difficulty containing costs due to their limited bargaining power and their inability to hir

eBook, Electronic resource, Book. English. Statistics. Electronic books.
Published Santa Monica, CA : RAND Corp 2008

This resource is available electronically from the following locations


Statement of responsibility: Christine Eibner
ISBN: 0833045024, 0833047825, 9780833044112, 9780833045027, 9780833047823
Note: Includes bibliographical references (pages 59-62).
Note: "This research was conducted within the Kauffman-Rand Institute for Entrepreneurship Public Policy in the Rand Institute for Civil Justice"--Preface.
Physical Description: 1 online resource (xvii, 62 pages) : illustrations.
Series: Rand Corporation technical report series ; TR-559-EMKF
Subject: POLITICAL SCIENCE Labor & Industrial Relations.; Health Benefit Plans, Employee.; MEDICAL Health Policy.; Small business Employees Medical care United States Costs.; Health Expenditures.; United States.; Quality of Health Care.; Health Care Costs.; BUSINESS & ECONOMICS Labor.; Employer-sponsored health insurance United States Costs.
Series Title: Technical report (Rand Corporation) ; TR-559-EMKF.
Local note: JSTOR Books at JSTOR Open Access


  1. Cover; Preface; Contents; Figures; Tables; Summary; Acknowledgments; Abbreviations; Chapter One
  2. Introduction; Background; Motivation; Approach; Overview of This Report; Chapter Two
  3. Data; Chapter Three
  4. Methods; Chapter Four
  5. Results; Employer Health-Insurance Burdens; Sensitivity Analyses With Very Small Firms; Plan Quality; Chapter Five
  6. Limitations; Chapter Six
  7. Discussion; Overall Results; Growth in Health-Insurance Burden at Small Firms; Differences Between Small and Large Firms; Distribution of Health-Insurance Burden Among Offering Firms; Components of Employer Cost Burden.