The study decomposes the decline in ESI between 1999 and 2002, estimating the shares resulting from changes in the probability of working, of receiving an offer of employer-sponsored insurance, and of taking up that offer. According to the results, declines in employer coverage were particularly sharp for the low-income--those with income below 200 percent of the poverty level. The study estimated that over half the decline resulted from lower take-up rates, with most of the remainder attributable to changes in work and to lower offers by employers. The study also found work shifted from large employers to small ones, where the likelihood of ESI coverage was lower.
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