雇主提供的健康保险：雇主是员工的好代理人吗？
Employer-sponsored health insurance: are employers good agents for their employees?
作者信息
Peele P B, Lave J R, Black J T, Evans J H
机构信息
Graduate School of Public Health, University of Pittsburgh, PA 15261, USA. peele+@pitt.edu
出版信息
Milbank Q. 2000;78(1):5-21, i. doi: 10.1111/1468-0009.00159.
Employers in the United States provide many welfare-type benefits, such as life insurance, disability insurance, health insurance, and pensions, to their employees. Employers can be viewed as performing an agency role in purchasing pension, health, and other welfare benefits for their employees. An exploration of their competence in this role as agents for their employees indicates that large employers are very helpful to their employees in this arena. They seem to contribute to individual employees' welfare by providing them with valued services in purchasing health insurance.
美国的雇主为其员工提供许多福利类待遇，如人寿保险、伤残保险、健康保险和养老金等。雇主在为员工购买养老金、健康保险及其他福利方面可被视为发挥着代理作用。对他们作为员工代理人在这一角色上能力的探究表明，大型雇主在这一领域对其员工非常有帮助。他们似乎通过为员工提供购买健康保险方面的重要服务来促进员工个人福利。
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