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Posted to Web: December 01, 2004

Permanent Link: http://www.urban.org/url.cfm?ID=1000761

This study examines the effects of a firm's decision to drop the offer of employer-sponsored insurance (ESI), reduce eligibility for ESI, or significantly increase employee costs on the health insurance status of currently covered low-income workers. We find that at least a third of such workers do not have affordable insurance options outside of the group market. Furthermore, a simulation analysis shows that 54 percent of those workers would become uninsured if their employers were to drop ESI. Expanding public programs to cover low-income workers would reduce the high uninsurance rate, but substantial minorities would remain uninsured. (Medical Care Research and Review 61:474–94.)

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