Choice among Employer-Provided Insurance Plans

Matthew J. Eichner

in Aging Issues in the United States and Japan

Published by University of Chicago Press

Published in print September 2001 | ISBN: 9780226620817
Published online February 2013 | e-ISBN: 9780226620831 | DOI:
Choice among Employer-Provided Insurance Plans

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This chapter describes the choices made by employees of a firm that offers three different insurance options, which differ both in their generosity and their costs to the employee. Section 8.1 describes the claims data used in this analysis. Section 8.2 examines the options elected by employees when their firms shifted from offering what was essentially a single plan to the menu of three plans. Section 8.3 considers the relative prices of the different coverage options. Section 8.4 focuses on the apparent willingness of employees to bear greater risk in return for paying less for insurance. Section 8.5 describes the group of those employees who, after selecting initial coverage options, reconsider their choices and transfer into other plans while Section 8.6 draws conclusions.

Keywords: health insurance; employees; insurance claims; insurance costs

Chapter.  6219 words.  Illustrated.

Subjects: Economic History

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