OBJECTIVE To identify factors associated with small group employer participation in New Mexico's State Coverage Insurance (SCI) program. DATA SOURCES Telephone surveys of employers participating in SCI (N=269) and small employers who inquired about SCI (N=148) were fielded September 2008-January 2009. STUDY DESIGN Descriptive and multivariate analyses investigated differences between employ...

Varied as they may be, most U.S. readers of the Journal probably share at least one thing: employersponsored health insurance is vital to their wellbeing. For their part, most physicians, regardless of their field of medicine or where they practice, depend heavily on employer-sponsored insurance for their paychecks. Since increasing numbers of physicians today are employees of health care organ...

This paper jointly analyses the consequences of adverse selection and signalling on entry wages of skilled employees. It uses German linked employer employee panel data (LIAB) and introduces a measure for relative productivity of skilled job applicants based on apprenticeship wages. It shows that post-apprenticeship employer changers are a negative selection from the training firms’ point of vi...

While obtaining health insurance through an employer is an effective means of pooling risk, employees information advantage over insurers threatens to induce inefficiency due to moral hazard and adverse selection. I use Medical Expenditure Panel Survey data from 1996 to 2001 for a national sample of employer-employee matches to determine whether moral hazard and adverse selection affect the emp...

As is true of automobile insurance, a strong case can be made for a mandate that requires individuals to purchase health insurance rather than shifting costs to others. A mandate by itself, however, is likely to be regressive. By dealing with individual needs through the back door, an employer mandate generally keeps costs hidden and raises employment problems, while an employer subsidy will be...

OBJECTIVE To determine the cost-effectiveness of naturopathic care (acupuncture, relaxation exercises, exercise and dietary advice, and a back care booklet) compared to standardized physiotherapy education and a back care booklet (control treatment) for low back pain in a sample (N = 70) of warehouse workers. DESIGN Economic evaluation based upon the results of a pragmatic randomized controll...