Morrisey M A, Jensen G A, Morlock R J
Lister Hill Center for Health Policy, University of Alabama at Birmingham.
Health Aff (Millwood). 1994 Winter;13(5):149-61. doi: 10.1377/hlthaff.13.5.149.
In 1993 half of all small businesses (fewer than fifty workers) sponsored a health plan for their employees, up from 41 percent in 1989. While not as deep, the benefits offered by small firms are nearly as broad as benefits offered by large firms, and they have expanded since 1989. Small businesses pay more for coverage, however. Although coverage restrictions based on health status and preexisting conditions are a significant concern of small firms, actual limits of this type in the small-group market are modest. Firms not offering insurance report that they have wide access to coverage, and many would sponsor a plan if only prices were lower.
1993年，所有小企业（员工少于50人）中有一半为其员工提供了健康保险计划，这一比例高于1989年的41%。虽然小企业提供的福利不如大企业那么优厚，但几乎与大企业一样广泛，并且自1989年以来一直在扩大。然而，小企业支付的保险费用更高。尽管基于健康状况和既有病症的保险覆盖限制是小企业的一个重大担忧，但小团体市场中这类实际限制并不严重。未提供保险的公司表示，它们有广泛的保险途径，而且如果价格更低的话，许多公司都会提供保险计划。
