Blumberg Linda J, Buettgens Matthew, Feder Judith, Holahan John
Health Policy Center of the Urban Institute, Washington, DC 20037,
Inquiry. 2012 Summer;49(2):116-26. doi: 10.5034/inquiryjrnl_49.02.05.
The Congressional Budget Office, the Rand Corporation, and the Urban Institute have estimated that the Patient Protection and Affordable Care Act (ACA) will leave employer-sponsored coverage largely intact; in contrast, some economists and benefit consultants argue that the ACA encourages employers to drop coverage, thereby making both their workers and their firms better off (a "win-win" situation). This analysis shows that no such "win-win" situation exists and that employer-sponsored insurance will remain the primary source of coverage for most workers. Analysis of three issues-the terms of the ACA, worker characteristics, and the fundamental economics of competitive markets-supports this conclusion.
美国国会预算办公室、兰德公司和城市研究所估计，《患者保护与平价医疗法案》（ACA）将使雇主提供的保险基本保持不变；相比之下，一些经济学家和福利顾问认为，ACA鼓励雇主放弃保险，从而使他们的员工和公司都受益更多（一种“双赢”局面）。本分析表明，不存在这样的“双赢”局面，雇主提供的保险仍将是大多数工人的主要保险来源。对三个问题的分析——ACA的条款、工人特征以及竞争市场的基本经济学——支持了这一结论。
