McLaughlin C G, Zellers W K, Frick K D
Department of Health Services Management and Policy, University of Michigan, Ann Arbor.
Health Aff (Millwood). 1994;13(2):221-33. doi: 10.1377/hlthaff.13.2.221.
To meet its goal of universal health insurance coverage, the Clinton health plan requires all employers to offer health insurance to their employees. Using survey data on more than 2,200 small businesses, we estimate how many firms and employees would be affected by this mandate and calculate the financial burden, adjusting for the small-business subsidies recommended in the Clinton plan. Because of the payroll caps, almost 60 percent of small businesses that now offer insurance will experience a reduction in premiums. The average reduction is approximately $1,500 per full-time equivalent (FTE) per year. The majority of firms that offer insurance and face an increase in liability under the Clinton plan will incur an increase of less than $1,000 per FTE per year. Firms that do not now offer insurance will incur, on average, a liability of $500 to $900 per FTE.
为实现全民医疗保险覆盖的目标，克林顿医疗计划要求所有雇主为其员工提供医疗保险。利用对2200多家小企业的调查数据，我们估计了有多少公司和员工会受到这一强制要求的影响，并计算了财务负担，同时根据克林顿计划中建议的小企业补贴进行了调整。由于工资上限，目前提供保险的小企业中近60%将经历保费降低。平均降幅约为每年每全时当量（FTE）1500美元。在克林顿计划下提供保险且面临责任增加的大多数公司，每年每FTE的增加额将不到1000美元。目前不提供保险的公司平均每FTE将承担500至900美元的责任。
