McDonnell P, Guttenberg A, Greenberg L, Arnett R H
Health Care Financ Rev. 1986 Winter;8(2):1-16.
Nationwide, 8 percent of all employment-related health plans were self-insured in 1984, which translates into more than 175,000 self-insured plans according to our latest study of independent health plans. The propensity of an organization to self-insure differs primarily by its size, with large establishments more likely to self-insure. In the overwhelming majority of cases, the self-insured benefit was hospital and/or medical. Among employers who self-insure, 23 percent self-administer, and the remaining 77 percent hire a commercial insurance company, Blue Cross/Blue Shield plan, or an independent third-party administrator to administer the health plan.
在全国范围内，1984年所有与就业相关的健康保险计划中有8%是自我保险的，根据我们对独立健康保险计划的最新研究，这意味着有超过17.5万个自我保险计划。一个组织自我保险的倾向主要因其规模而异，大型企业更有可能进行自我保险。在绝大多数情况下，自我保险福利是住院和/或医疗方面的。在进行自我保险的雇主中，23%自行管理，其余77%则聘请商业保险公司、蓝十字/蓝盾计划或独立的第三方管理者来管理健康保险计划。
