Muller Leslie A, Isely Paul, Levin Adelin
Benefits Q. 2015;31(1):51-63.
Although the implementation of parts of the Affordable Care Act (ACA) was delayed until 2015, many firms had already made changes to their health insurance plans and their business practices. This article reports results from a survey administered to western Michigan firms in October 2013 requesting information on any changes they made in response to ACA. The authors found that although 89% of employers planned to offer health insurance in 2014, that number dropped to 66% in 2015. The main ways organizations were controlling health costs were by changing prescription coverage, passing on the costs to employees through higher copays and premiums and offering more high-deductible health plans with health savings accounts. Employers also were altering business practices by decreasing future hiring and decreasing the hours of part-time workers. The authors find that many of these changes were due to the uncertainty firms were facing during the ACA implementation process.
尽管《平价医疗法案》（ACA）部分条款的实施被推迟至2015年，但许多公司已对其医疗保险计划和商业行为做出了改变。本文报告了2013年10月对密歇根州西部公司进行的一项调查结果，该调查要求提供有关它们因应ACA所做任何改变的信息。作者发现，尽管89%的雇主计划在2014年提供医疗保险，但这一数字在2015年降至66%。各机构控制医疗成本的主要方式包括改变处方药承保范围、通过提高自付额和保费将成本转嫁给员工，以及提供更多带有健康储蓄账户的高免赔额医疗保险计划。雇主们还通过减少未来招聘和缩短兼职工人的工时来改变商业行为。作者发现，许多这些改变是由于公司在ACA实施过程中面临的不确定性所致。
