Health Aff (Millwood). 2013 Sep;32(9):1522-30. doi: 10.1377/hlthaff.2013.0526.
Since the passage of the Affordable Care Act, there has been much speculation about how many employers will stop offering health insurance once the act's major coverage provisions take effect. Some observers predict little aggregate effect, but others believe that 2014 will mark the beginning of the end for our current system of employer-sponsored insurance. We use theoretical and empirical evidence to address the question, "How will employers' offerings of health insurance change under health reform?" First, we describe the economic reasons why employers offer insurance. Second, we recap the relevant provisions of health reform and use our economic framework to consider how they may affect employers' offerings. Third, we review the various predictions that have been made about those offerings under health reform. Finally, we offer some observations on interpreting early data from 2014.
自《平价医疗法案》通过以来，人们一直猜测一旦该法案的主要覆盖条款生效，有多少雇主将停止提供健康保险。一些观察人士预测总体影响不大，但也有人认为 2014 年将标志着我们当前的雇主赞助保险体系的终结。我们使用理论和经验证据来回答这个问题：“在医改下，雇主提供的健康保险会如何变化？”首先，我们描述了雇主提供保险的经济原因。其次，我们回顾了医改的相关规定，并利用我们的经济框架来考虑它们可能如何影响雇主的保险提供。第三，我们回顾了医改下对这些保险的各种预测。最后，我们对解读 2014 年早期数据提出了一些看法。
