Employer-Sponsored Health Insurance: Recent Trends and Future Directions

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This 28 page policy brief just released from the NIHCM identifies the way employer health plan coverage is changing in response to the ACA.  This article provides a clear set of changes affecting employer provided health insurance in the U.S.  Use this information to help your organization adjust its approach to employee health benefit coverage.  From the resource:  “It is all but certain that employers will continue to shift a greater portion of health benefit costs to employees and tighten eligibility rules for dependents. Increasing reliance on high-deductible health plans with savings options (HSAs and HRAs) within the Employer-Sponsored Insurance (ESI) market also appears quite likely. Private exchanges are emerging very quickly as new insurance distribution channels and employers express high interest in moving to these markets in the next few years, most often providing a defined contribution that employees can use to purchase coverage of their choice on the private exchange. Some experts predict that private exchanges will soon be the dominant distribution channel for employer provided coverage despite the availability of the public SHOP exchanges.” Published: 2013

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