Starting Wages Respond to Employer's Risk

Employers, Workers, and Wages, Third Quarter, 1948

145 -I 24 Receipts: I Appropriations (equal to Federal insurance contributions).-._---. Intercstandother~........~~.~....-......-...~-~-~...---.~~~~~~~. Proposed locislstion extending coverage, raising tax base, and addingdisabilitybcnents~~.. _.._..........._........ -...______._. Expenditures (benefit and administrative expenses): Existing legislation.-_____._.. -----._.____.._ --.___________...

Employers, Workers, and Wages, Third Quarter 1951

1940-m_______ ____________ 2,50 35,39 1941_______________________ 2,64 40,97 1942 _______________________ 2,65 46,36 1943 ------____-__--_______ 2,39 47,65 1944 -----__-.__---__-____ 2,46 46,29 1945 -------___-_----_______ 2,61 46,39 1946 _______________________ 3,Ol 48,84 1947 ____.__________________ 3,248 48,9

Scaling cost-sharing to wages: how employers can reduce health spending and provide greater economic security.

In the employer-sponsored insurance market that covers most Americans; many workers are "underinsured." The evidence shows onerous out-of-pocket payments causing them to forgo needed care, miss work, and fall into bankruptcies and foreclosures. Nonetheless, many higher-paid workers are "overinsured": the evidence shows that in this domain, surplus insurance stimulates spending and price inflati...

Formal risk adjustment by private employers.

This paper explores explanations for why few private employers have adopted formal risk adjustment. The lack of data, challenges of using highly imperfect signals, and absence of market power are not compelling explanations. Alternative strategies that reduce selection problems are clearly important. The central argument is that U.S. health markets are not in equilibrium, but rather are changin...

Do Employers Provide Insurance against Low Frequency Shocks? Industry Employment and Industry Wages