Changing Options for Insurance Coverage

Brief

Changing Options for Insurance Coverage

How Does the Future Look for Low- and Middle-Income Workers if Employer Sponsored Coverage Is Not an Option?

Abstract

This paper analyzes what is likely to happen to low- and middle-income workers that lose access to ESI. Low- and middle-income workers have fewer other options for coverage. The study examined the share of workers with access to ESI through a spouse, the cost of purchasing nongroup insurance relative to income, and eligibility for public programs. It found 50 percent of low-income workers and 20 percent of middle-income workers have no affordable insurance options outside the ESI market. According to the authors, 43 percent of low-income workers and 31 percent of middle-income workers would become uninsured if ESI were no longer available to them.

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