Self-insured health plans
نویسندگان
چکیده
Nationwide, 8 percent of all employment-related health plans were self-insured in 1984, which translates into more than 175,000 self-insured plans according to our latest study of independent health plans. The propensity of an organization to self-insure differs primarily by its size, with large establishments more likely to self-insure. In the overwhelming majority of cases, the self-insured benefit was hospital and/or medical. Among employers who self-insure, 23 percent self-administer, and the remaining 77 percent hire a commercial insurance company, Blue Cross/Blue Shield plan, or an independent third-party administrator to administer the health plan.
منابع مشابه
Self-insured employer health plans: prevalence, profile, provisions, and premiums.
Data from three recent surveys indicate that about 40 percent of workers with employment-based health insurance are enrolled in plans that their employers self-insure. Despite the considerable differences between federal regulation of these self-insured plans and state regulation of employer plans purchased from an insurance company, we find striking similarities in the populations they serve, ...
متن کاملState of Wisconsin State Employee Medical Plans Self-Insurance Advisability Assessment and Actuarial Cost-Benefit Analysis Executive Summary
Recent market and legislative changes to the health insurance industry, particularly the additional fees associated with the Affordable Care Act (ACA) and the current premium taxes paid on fully-insured plans has prompted the State of Wisconsin to consider the advisability of adopting a self-insurance arrangement for its state employee medical plan. Within a self-insured program, these fees and...
متن کاملCommentary--Looking at the effects of consumer-centric health plans on expenditures and utilization.
Consumer-centric health plans are now emerging as one of the possible solutions to the inappropriate use of health services and the high cost of health insurance in the United States. Labeled variously as ‘‘consumerdirected health plans,’’ ‘‘choice plans,’’ or plans with reimbursement or savings accounts, these health benefit options are currently a small but rapidly growing health insurance se...
متن کامل