Retsinas J
J Health Soc Policy. 1995;6(3):1-12. doi: 10.1300/J045v06n03_01.
This paper discusses the structural and regulatory barriers that stymie small businesses' efforts to provide health insurance for employees. Specifically, small businesses face lower revenues and higher health insurance costs than large businesses. Furthermore, small businesses cannot gain the administrative, as well as cost, advantages of self-insurance. The two options for pooled insurance-Taft-Hartley groups and Multiple Employer Wellness Arrangements-are increasingly difficult to pursue. Even state-developed "basic insurance" packages have not proven a genuine solution for small businesses. However much we as a nation want to tie health insurance to employers, the small business sector cannot easily fill that function for its employees.
本文讨论了阻碍小企业为员工提供医疗保险的结构和监管障碍。具体而言，与大企业相比，小企业收入较低，医疗保险成本较高。此外，小企业无法获得自我保险的管理优势和成本优势。团体保险的两种选择——塔夫脱-哈特利集团和多雇主健康计划——越来越难以推行。即使是州政府制定的“基本保险”套餐，也没有被证明是小企业的真正解决方案。尽管我们国家非常希望将医疗保险与雇主联系起来，但小企业部门无法轻易为其员工履行这一职能。
