Publications: Health Insurance

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Study Highlights Employer Policies that Deter Health Plan Enrollment

August 1, 2001 - A surprising number of working Americans cannot get health insurance even though they work for companies that offer health benefits, according to this study.

In the Literature

Gaps in Health Coverage Among Working-Age Americans and the Consequences

August 1, 2001 - The authors examine health coverage and access to care among working-age adults using the Kaiser/Commonwealth 1997 National Survey of Health Insurance, and report that having even a temporary gap in health coverage made a significant difference in access to care for working-age adults.

In the Literature

Market Failure? Individual Insurance Markets for Older Americans

August 1, 2001 - President Bush's proposal to provide tax credits to expand access to health insurance coverage would not be of much help to older Americans, this study finds.

In the Literature

How the New Labor Market is Squeezing Workforce Health Benefits

June 6, 2001 - To understand how labor market trends have contributed to the decline in the proportion of private-sector workers receiving benefits from their own employers—and to anticipate future trends—this study examines changes over a 19-year period, 1979 to 1998.

Fund Report

Running in Place: How Job Characteristics, Immigrant Status, and Family Structure Keep Hispanics Uninsured

May 1, 2001 - This report looks at factors that influence health insurance coverage for Hispanics, the fastest-growing minority population in the United States.

Fund Report

Expanding Employment-Based Health Coverage: Lessons from Six State and Local Programs

February 2, 2001 - This report describes the various ways states and local communities are making coverage more affordable and accessible to the working uninsured, but looks more closely at programs in six of the states discussed in the earlier report.

Fund Report

Incremental Coverage Expansion Options

January 1, 2001 - This report presents a detailed side-by-side look at all the option papers in another Fund publication, Strategies to Expand Health Insurance for Working Americans.

Fund Report

Patterns of Insurance Coverage Within Families with Children

January 1, 2001 - Using the 1996 Medical Expenditure Panel Survey, this article examines patterns of health insurance within families with children, determining that 3.2 million families are uninsured and another 4.5 million families are only partially insured.

In the Literature

A 2020 Vision for American Health Care

December 25, 2000 - The problem of nearly 43 million Americans without health insurance could be virtually eliminated in a single generation through a health plan based on universal, automatic coverage that allows choice of plan and provider. The proposal could be paid for, according to Fund President Davis and coauthors, by using the quarter of the federal budget surplus which results from savings in Medicare and Medicaid.

Other

Public Subsidies for Required Employee Contributions Toward Employer-Sponsored Insurance

December 9, 2000 - The federal government could subsidize employee contributions to health coverage through a tax credit. In this way, employers would continue to contribute to insurance for their workers, and more federal dollars could be used to reach a greater number of low-income workers.

Fund Report

A Federal Tax Credit to Encourage Employers to Offer Health Coverage

December 9, 2000 - A system of federal tax credits to provide incentives to businesses that employ low-wage workers to help pay for insurance would enable more firms to offer group health insurance.

Fund Report

Allowing Small Businesses and the Self-Employed to Buy Health Care Coverage Through Public Programs

December 9, 2000 - This report examines the need for a coverage initiative that fosters greater access to affordable benefits through employment, particularly in light of the strong support that employment-based coverage enjoys among the public. Under this proposed program, states would organize a group health insurance market for small firms with low-wage workers.

Fund Report

Challenges and Options for Increasing the Number of Americans with Health Insurance

December 8, 2000 - Helping the uninsured gain coverage should be a public policy priority. With this in mind, The Commonwealth Fund Task Force on the Future of Health Insurance commissioned 10 experts on different aspects of health insurance policy to investigate different proposals for expanding coverage.

Fund Report

Transitional Subsidies for Health Insurance Coverage

December 8, 2000 - Transitional subsidies and loans that would enable those who lose their job or those who wish to change jobs to buy health insurance might combat job lock in a cost-effective way, even if they only helped a small number of currently uninsured people.

Fund Report

Increasing Health Insurance Coverage Through an Extended Federal Employees Health Benefits Program

December 8, 2000 - Permitting the uninsured to use health insurance tax credits to enroll in the Federal Employees Health Benefits Program would be a cost-effective, efficient way to extend coverage.

Fund Report