After the Mandates: Massachusetts Employers Continue to Support Health Reform As More Firms Offer Coverage Jon R. Gabel Heidi Whitmore Jeremy Pickreign.

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Employer Health Benefits Survey 2017

Exhibit 2.11 Among Firms Offering Health Benefits, Percentage of Firms That Offer to Spouses, Dependents and Partners, 2016 Firm Only Offers Single Coverage.

Trends in the Overall Health Care Market

Exhibit 14.9 Percentage of Offering Firms whose Largest Plan Covers Care Received at Retail Clinics and, of Those, Percentage of Firms who Offer a Financial.

Exhibit 2.22 Among Firms With 3-50 Full-Time Equivalents (FTEs) Offering Health Benefits Who Looked at Coverage Through a SHOP Exchange, Reasons Why They.

Exhibit 14.5 Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network, by Firm.

Exhibit 11.3 Among Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits,

Exhibit 11.3 Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits,

Exhibit Among Firms Offering Health Benefits with 50 or More Employees, Percentage of Covered Workers Enrolled at a Firm That Offers Benefits Through.

Exhibit 4.2 Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2016 *Distribution is statistically different.

Exhibit 7.35 Among Covered Workers with a Separate per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Number of Family Members Required.

Exhibit 7.33 Among Covered Workers with an Aggregate Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2012.

Exhibit 7.35 Among Covered Workers with an Aggregate Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type,

Low Wage Level* Few Workers Are Lower-Wage

Exhibit 4.1 Among Firms Offering Health Benefits, Percentage of Firms That Offer One, Two, or Three or More Plan Types, by Firm Size, 2016 *Distribution.

Exhibit 7.8 Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, by Firm Size, 2016 * Estimate is.

Exhibit 8.15 Distribution of Covered Workers with the Following Annual Employer Contributions to Their HRA or HSA, for Family Coverage, 2016 NOTE: For.

Exhibit 8.18 Among Firms Offering Family Coverage and an HSA-Qualified HDHP, Percentage of Firms That Vary Their HSA Contribution for Family Coverage on.

Exhibit 7.12 Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, by Firm Size,

Exhibit 11.3 Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits,

Exhibit Among Large Firms Offering Incentives for Workers Who Participate In or Complete Wellness Programs, Maximum Annual Value of the Reward for.

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Cumulative Changes in Components of U. S

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Exhibit 1.7 Distribution of Annual Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2016 Percentages.

Exhibit 11.1 Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits,

Exhibit 11.3 Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits,

Exhibit 3.4 Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm.

Exhibit 11.4 Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms.

Exhibit 3.3 Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics,

Grandfathering Under the Affordable Care Act (ACA),

Exhibit 12.7 Among Firms That Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, The Percentage of Firms.

Exhibit 6.20 Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Firm Wage Level, 2016 SINGLE COVERAGE.

Exhibit 7.23 Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits,

Exhibit 2.9 Among Firms Offering Health Benefits, Percentage of Firms That Offer to Part-Time Workers, by Firm Size, 1999–2016 * Estimate is statistically.

Exhibit 3.5 Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics,

Exhibit 2.10 Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999–2015 * Estimate is statistically.

Exhibit 3.4 Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm.

Exhibit 8.3 Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, * Estimate is statistically different from.

Exhibit 2.21 Among Firms With 3-50 Full-Time Equivalents (FTEs) Not Offering Health Benefits Who Looked at Coverage Through a SHOP Exchange, Reasons Why.

Exhibit 2.9 Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999–2015 * Estimate is statistically.

Exhibit 14.8 Among Offering Firms With Fewer Than 500 Employees, Percentage of Employers who Provide Benefits Through a Co-Employment Arrangement with.

Exhibit 6.18 Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Wage Level, 2013 SINGLE COVERAGE.

Exhibit 8.14 Distribution of Covered Workers with the Following Annual Employer Contributions to Their HRA or HSA, for Single Coverage, 2016 NOTE: For.

Exhibit 2.5 Percentage of Firms Offering Health Benefits to At Least Some of their Workers, by Firm Size, 2015 NOTE: Estimates presented in this exhibit.

Exhibit 3.4 Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm.

Exhibit 11.3 Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits,

Exhibit 4.1 Among Firms Offering Health Benefits, Percentage of Firms That Offer One, Two, or Three or More Plan Types, by Firm Size, 2015 *Distribution.

Exhibit 4.2 Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2013 *Distribution is statistically different.

Exhibit 8.3 Among Firms Offering Health Benefits, Percentage of Firms That Offer an HDHP/SO, by Firm Size, * Estimate is statistically different.

Exhibit 3.5 Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics,

Low Wage Level* Few Workers Are Lower-Wage

Exhibit 11.4 Among Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering.

Low Wage Level Less Than 35% Earn $23,000 a Year or Less *

Lower Wage Level Less Than 35% Earn $23,000 a Year or Less *

Exhibit 14.4 Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance or Tiered Provider Network by Firm.

Exhibit 7.37 Among Covered Workers with a Separate per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Number of Family Members Required.

Exhibit 2.4 Percentage of Firms Offering Health Benefits to At Least Some of Their Workers, by Firm Size, 2016 * Estimate is statistically different from.

Exhibit 3.3 Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics,

Exhibit 6.19 Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Wage Level, 2014 SINGLE COVERAGE.

Exhibit 6.26 Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage,

Exhibit 4.1 Among Firms Offering Health Benefits, Percentage of Firms That Offer One, Two, or Three or More Plan Types, by Firm Size, 2013 *Distribution.

Presentation transcript:

After the Mandates: Massachusetts Employers Continue to Support Health Reform As More Firms Offer Coverage Jon R. Gabel Heidi Whitmore Jeremy Pickreign Will Selheim Shova KC Valerie Bassett

Study Data and Methods Robert Wood Johnson Foundation/NORC survey of Massachusetts employers in Spring 2007 and 2008 Public and private firms in Massachusetts with three or more workers Firms randomly chosen from Dun and Bradstreet Sample sizes 2007 – 1,052 firms 2008 – 1,003 firms Kaiser Family Foundation/Health Research and Educational Trust Employer Health Benefits Surveys, 2007 and 2008, provides national comparison group 2007 – 1,997 firms 2008 – 1,927 firms Questionnaires are highly similar but not identical. Use of statistical weights Employer weights Employee weights

Exhibit 1 “Overall the Massachusetts Health Care Reform Plan Has Been Good for Massachusetts,” responses by firm size 2008 * Firm size category is statistically different from other size firms at .05 level Source: RWJF/NORC/BCBSF of MA Survey of Massachusetts Employers: 2008

Conclusions Support for health care reform in the employer community continues. A majority of firms support the “Fair Share” requirement and applying these requirements to firms with 10 or fewer works. Where is the crowd-out?

Lessons Learned Employer participation in the authorizing legislation was critical in the employer community’s acceptance of reform. Individual mandate mitigates “crowd-out.”