Marquis M S, Long S H
RAND, 1200 South Hayes Street, Arlington, VA 22202, USA.
Int J Health Care Finance Econ. 2001 Sep-Dec;1(3-4):273-92. doi: 10.1023/a:1013767618851.
Theory suggests that an employer's decisions about the amount of health insurance included in the compensation package may be influenced by the practices of other employers in the market. We test the role of local market conditions on decisions of small employers to offer insurance and their dollar contribution to premiums using data from two large national surveys of employers. These employers are more likely to offer insurance and to make greater contributions in communities with tighter labor markets, less concentrated labor purchasers, greater union penetration, and a greater share of workers in big business and a small share in regulated industries. However, our data do not support the notion that marginal tax rates affect employers' offer decision or contributions.
理论表明，雇主在薪酬包中纳入医疗保险金额的决策可能会受到市场上其他雇主做法的影响。我们利用两项针对雇主的大型全国性调查数据，检验当地市场状况对小雇主提供保险决策及其保费资金贡献的作用。在劳动力市场更紧张、劳动力购买者集中度较低、工会渗透率较高、大企业中工人比例较大且受监管行业中工人比例较小的社区，这些雇主更有可能提供保险并做出更大贡献。然而，我们的数据并不支持边际税率影响雇主提供保险决策或贡献这一观点。
