Employee demand for health insurance and employer health plan choices |
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Authors: | Bundorf M Kate |
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Institution: | Department of Health Medicine, Stanford University School of Medicine, CA 94305-5405, USA. bundorf@stanford.edu |
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Abstract: | Although most private health insurance in US is employment-based, little is known about how employers choose health plans for their employees. In this paper, I examine the relationship between employee preferences for health insurance and the health plans offered by employers. I find evidence that employee characteristics affect the generosity of the health plans offered by employers and the likelihood that employers offer a choice of plans. Although the results suggest that employers do respond to employee preferences in choosing health benefits, the effects of worker characteristics on plan offerings are quantitatively small. |
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