An Early Look at Changes in Employer-Sponsored Insurance under the Affordable Care Act

Journal Article

An Early Look at Changes in Employer-Sponsored Insurance under the Affordable Care Act

Abstract

Critics frequently characterize the ACA’s Medicaid expansion and Marketplace subsidies as a threat to the survival of employer-sponsored insurance. This article takes advantage of timely data from the Health Reform Monitoring Survey for June 2013 through September 2014 to examine, from the perspective of workers, early changes in offer, take-up, and coverage rates for employer-sponsored insurance under the ACA. We find no evidence that these rates have declined under the ACA, either overall or for workers in small firms with lower incomes. Economic incentives for workers to obtain coverage from employers remain strong.

Research Area: 

Centers

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