NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

David M. Studdert

117 Encina Commons
CHP/PCOR
Stanford University
Stanford, CA 94305-6019

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NBER Working Papers and Publications

June 2014Will Divestment from Employment-Based Health Insurance Save Employers Money? The Case of State and Local Governments
with Jeremy D. Goldhaber-Fiebert, Monica S. Farid, Jay Bhattacharya: w20222
Reforms introduced by the Affordable Care and Patient Protection Act (ACA) build new sources of coverage around employment-based health insurance. But what if firms find it cheaper to have their employees obtain insurance from these sources, even after accounting for penalties (for non-provision of insurance) and employee bonuses (to ensure the shift is cost neutral for them)? State and local governments (SLGs) have strong incentives to consider the economics of such “divestment”; many have large unfunded benefits liabilities. We investigated whether SLGs would save under two scenarios: (1) shifting all employees and under-65-retirees to alternative sources of coverage; (2) shifting only employees whose household incomes indicate they would be eligible for federally subsidized coverage and...

Published: Jeremy D. Goldhaber-Fiebert & David M. Studdert & Monica S. Farid & Jay Bhattacharya, 2015. "Will Divestment from Employment-Based Health Insurance Save Employers Money? The Case of State and Local Governments," Journal of Empirical Legal Studies, vol 12(3), pages 343-394.

 
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