Your browser doesn't support javascript.
loading
Mostrar: 20 | 50 | 100
Resultados 1 - 20 de 9.751
Filtrar
1.
Am J Manag Care ; 30(3): 107-108, 2024 Mar.
Artigo em Inglês | MEDLINE | ID: mdl-38457817

RESUMO

Out-of-pocket costs of diabetes medications other than insulin can be quite high for individuals with employer-sponsored health insurance.


Assuntos
Diabetes Mellitus , Planos de Assistência de Saúde para Empregados , Humanos , Estados Unidos , Gastos em Saúde , Custos e Análise de Custo , Diabetes Mellitus/tratamento farmacológico , Insulina/uso terapêutico , Seguro Saúde
3.
Inquiry ; 60: 469580231210726, 2023.
Artigo em Inglês | MEDLINE | ID: mdl-37961981

RESUMO

Low-wage workers and those employed by small businesses are least likely to be offered health insurance coverage and they are over-represented among the uninsured. Two new forms of health reimbursement arrangements (HRAs) that allow employers to help fund individual market coverage for workers have been touted as breakthrough strategies to help fill this gap. Despite several years of experience and low adoption, little is known about employer understanding of or views about these HRA options. Consistent with other evidence, only 11.8% of New Jersey employers we surveyed offer or plan to offer either of the HRA options. Few respondents (18.5%) report familiarity with either option. Even among businesses that offer or plan to offer this form of HRA, under half (47.6%) say that they are familiar with them. Other reasons cited for not offering these options include broker advice and complexity. While more investigation is needed, these findings suggest that new strategies should be explored to fill the gap in health insurance for low-wage and small business employees.


Assuntos
Planos de Assistência de Saúde para Empregados , Empresa de Pequeno Porte , Humanos , Estados Unidos , New Jersey , Seguro Saúde , Salários e Benefícios , Cobertura do Seguro
4.
J Health Econ ; 92: 102825, 2023 Dec.
Artigo em Inglês | MEDLINE | ID: mdl-37897833

RESUMO

Employers may respond to minimum wage increases by adjusting their health benefits. We examine the impact of state minimum wage increases on employer health benefit offerings using the 2002-2020 Medical Expenditure Panel Survey - Insurance/Employer Component data. Our primary regression specifications are difference-in-differences models that estimate the relationship between within-state changes in employer-sponsored insurance and minimum wage laws over time. We find that a $1 increase in minimum wages is associated with a 0.92 percentage point (p.p.) decrease in the percentage of employers offering health insurance, largely driven by small employers and employers with a greater share of low-wage employees. A $1 increase is also associated with a 1.83 p.p. increase in the prevalence of plans with a deductible requirement, but we do not find consistent evidence that other benefit characteristics are affected. We find no consequent change in uninsurance, likely explained by an increase in Medicaid enrollment.


Assuntos
Planos de Assistência de Saúde para Empregados , Estados Unidos , Humanos , Salários e Benefícios , Seguro Saúde , Medicaid , Pessoas sem Cobertura de Seguro de Saúde
5.
Health Aff (Millwood) ; 42(11): 1606-1615, 2023 11.
Artigo em Inglês | MEDLINE | ID: mdl-37850352

RESUMO

In 2023 the average annual premium for employer-sponsored family health insurance coverage was $23,968-an increase of $1,505 (7 percent) from 2022. Both single and family premiums increased faster in 2023 than in 2022, in a period of generally high inflation throughout the US economy. On average, covered workers contributed 17 percent ($1,401) of the cost of single coverage and 29 percent ($6,575) of the cost of family coverage. When compared to employers' perceptions of the number of primary care providers in their networks, a smaller share of employers believed that their provider networks had a sufficient number of mental health and substance abuse providers to provide timely access to services. One-quarter of employers indicated that their employees had a "high" level of concern with the level of cost sharing required by their plans. When asked about abortion coverage in the wake of the Supreme Court Dobbs decision, almost a third of large employers reported that their largest plan covered abortion in most or all circumstances.


Assuntos
Planos de Assistência de Saúde para Empregados , Humanos , Estados Unidos , Cobertura do Seguro , Custo Compartilhado de Seguro
6.
J Occup Environ Med ; 65(12): e808-e811, 2023 12 01.
Artigo em Inglês | MEDLINE | ID: mdl-37800332

RESUMO

OBJECTIVE: The need to confront the obesity epidemic and its impact on employers requires a serious look at how we address the treatment of obesity. This article focuses on the core components of obesity care and the need for employers to offer a comprehensive obesity benefit (COB) as part of employee insurance coverage. METHODS: In May 2022, the American College of Occupational and Environmental Medicine convened a roundtable meeting, which brought together five corporate medical directors and representatives from aerospace/defense and energy industries to learn about the disease of obesity and provide clinical insights regarding health and safety in their respective industries. The goals of the program were to provide awareness of benefits for the treatment of obesity and identify the feasibility for employers of implementing a COB for their employees. Participants learned how a comprehensive approach to covering obesity treatments is necessary, and what benefits should be offered to employees. RESULTS: Participants were invited to review the insurance benefits they currently offer to employees and compare them to the COB. Outcomes were limited by a lack of participation by the employers invited to participate. Participants identified actions that need to be addressed for employers to develop a more comprehensive approach to obesity care. CONCLUSION: Implementing a COB can help employers increase access and utilization of comprehensive obesity care by employees.


Assuntos
Medicina Ambiental , Planos de Assistência de Saúde para Empregados , Medicina do Trabalho , Humanos , Estados Unidos , Cobertura do Seguro
7.
J Subst Use Addict Treat ; 154: 209152, 2023 11.
Artigo em Inglês | MEDLINE | ID: mdl-37659697

RESUMO

INTRODUCTION: High-deductible health plans (HDHPs) expose enrollees to increased out-of-pocket costs for their medical care, which can exacerbate the undertreatment of substance use disorders (SUDs). However, the factors that influence whether an enrollee with SUD chooses an HDHP are not well understood. In this study, we examine the factors associated with an individual with an SUD's decision to enroll in an HDHP. METHODS: Using de-identified administrative commercial claims and enrollment data from OptumLabs (2007-2017), we identified individuals at employers offering at least one HDHP and one non-HDHP plan. We modeled whether an enrollee chose an HDHP using linear regression on plan and enrollee demographic characteristics. Key plan characteristics included whether a plan had a health savings account (HSA) or a health reimbursement arrangement (HRA). Key demographic variables included age, race/ethnicity, census block income range, census block highest educational attainment, and sex. We separately investigate new enrollment decisions (i.e., not previously enrolled in an HDHP) and re-enrollment decisions, as well as decisions among single enrollees and families of differing sizes. The study also adjusted models for additional plan characteristics, employer and year fixed effects, and census division. Robust standard errors were clustered at the employer level. RESULTS: The sample comprised 30,832 plans and 318,334 enrollees. Among enrollees with new enrollment decisions, 24.6 % chose an HDHP; 93.8 % of HDHP enrollees chose to re-enroll in an HDHP. The study found the presence of a plan HRA to be associated with a higher probability of new and re-enrollment in an HDHP. We found that older enrollees with SUD were less likely to newly enroll in an HDHP, while enrollees who were non-White, living in lower-income census blocks, and living in lower educational attainment census blocks were more likely to newly enroll in an HDHP. Higher levels of health care utilization in the prior year were associated with a lower probability of newly enrolling in an HDHP but associated with a higher probability of re-enrolling. CONCLUSION: Given the emerging evidence that HDHPs may discourage SUD treatment, greater HDHP enrollment could exacerbate health disparities.


Assuntos
Planos de Assistência de Saúde para Empregados , Transtornos Relacionados ao Uso de Substâncias , Humanos , Dedutíveis e Cosseguros , Aceitação pelo Paciente de Cuidados de Saúde , Planejamento em Saúde , Transtornos Relacionados ao Uso de Substâncias/epidemiologia
9.
JAMA Intern Med ; 183(9): 1016-1018, 2023 09 01.
Artigo em Inglês | MEDLINE | ID: mdl-37428489

RESUMO

This cross-sectional study examines spending by health care plans and enrollees on products with accelerated approval.


Assuntos
Planos de Assistência de Saúde para Empregados , Gastos em Saúde , Humanos , Custo Compartilhado de Seguro , Preparações Farmacêuticas
10.
Med Care Res Rev ; 80(5): 530-539, 2023 10.
Artigo em Inglês | MEDLINE | ID: mdl-37345300

RESUMO

A high-deductible health plan (HDHP) may incentivize enrollees to limit health care use at the beginning of a plan year, when they are responsible for 100% of costs, or to increase the use of care at the end of the year, when enrollees may have less cost exposure. We investigated both the impact of the deductible reset that occurs at the beginning of a plan year and the option to enroll in an HDHP on the use of substance use disorder (SUD) treatment services over the course of a health plan year. We found decreases in SUD treatment use following the increase in cost exposure related to a deductible reset. There was no variation in this behavior between HDHP offer enrollees and comparison enrollees who were not offered an HDHP. These findings reinforce that cost-sharing poses a barrier to SUD care and continuity of care, which can increase the risk of adverse clinical outcomes.


Assuntos
Planos de Assistência de Saúde para Empregados , Transtornos Relacionados ao Uso de Substâncias , Humanos , Dedutíveis e Cosseguros , Comportamento de Escolha , Comportamento do Consumidor , Transtornos Relacionados ao Uso de Substâncias/terapia
11.
BMJ ; 381: 977, 2023 06 06.
Artigo em Inglês | MEDLINE | ID: mdl-37279990
12.
Am J Law Med ; 49(1): 102-111, 2023 03.
Artigo em Inglês | MEDLINE | ID: mdl-37376911

RESUMO

This RCD discusses the recent development in Lange v Houston County. In this case, the United States District Court for The Middle District Of Georgia Macon Division found that an Exclusion Policy, prohibiting health insurance coverage of gender-affirming surgery for an employee, Anna Lange, violated Title VII of the Civil Rights Act. On appeal, the Defendants argued that the District Court erred in its decision and relied on the cost burden of gender-affirming surgery as one of their defenses. This RCD highlights that cost is a common defense tactic used by defendants in these cases. However, the author argues that these concerns are unfounded and meritless given the cost-effectiveness of including gender-affirming surgeries in health insurance plans, as highlighted in the RCD.


Assuntos
Custos de Saúde para o Empregador , Planos de Assistência de Saúde para Empregados , Cobertura do Seguro , Cirurgia de Readequação Sexual , Humanos , Análise Custo-Benefício , Cobertura do Seguro/economia , Cirurgia de Readequação Sexual/economia , Pessoas Transgênero , Estados Unidos , Masculino , Feminino , Custos de Saúde para o Empregador/estatística & dados numéricos , Planos de Assistência de Saúde para Empregados/economia
13.
J Health Econ ; 90: 102749, 2023 07.
Artigo em Inglês | MEDLINE | ID: mdl-37343310

RESUMO

This paper tests for the presence of job lock and "health insurance plan lock" stemming from the health shock of a child family member. Using the onset of an acute, unanticipated health shock, I estimate a 7-14 percent decreased likelihood of all family members leaving their current health insurance network and health plan within one year of the emergency. This corresponds to a reduced one-year job mobility rate of approximately 13 percent for the health plan's primary policyholder. Furthermore, the non-portability of health insurance products may contribute to the observed job and health plan lock.


Assuntos
Planos de Assistência de Saúde para Empregados , Criança , Humanos , Seguro Saúde , Família , Probabilidade
14.
JAMA Intern Med ; 183(7): 635-636, 2023 07 01.
Artigo em Inglês | MEDLINE | ID: mdl-37252717

RESUMO

This Viewpoint describes programs intended to help patients with commercial insurance that, instead, employers, health plans, and other payers use to reduce their spending on specialty drugs.


Assuntos
Planos de Assistência de Saúde para Empregados , Seguradoras , Humanos , Estados Unidos , Custo Compartilhado de Seguro , Gastos em Saúde , Custos de Medicamentos
15.
JAMA Health Forum ; 4(3): e225486, 2023 03 03.
Artigo em Inglês | MEDLINE | ID: mdl-36897580

RESUMO

This Viewpoint expounds on how the cost of health insurance is consuming an ever-greater share of total compensation for employers and employees, stagnating real incomes and calling into question its real value.


Assuntos
Planos de Assistência de Saúde para Empregados , Seguro Saúde , Renda
17.
Health Aff (Millwood) ; 41(11): 1670-1680, 2022 11.
Artigo em Inglês | MEDLINE | ID: mdl-36300363

RESUMO

In 2022 the average annual premium for family health insurance coverage was $22,463, which is similar to the $22,221 reported in 2021. On average, covered workers contributed $1,327 for single coverage and $6,106 for family coverage. Among covered workers enrolled in a plan with a general annual deductible, the average deductible for single coverage was $1,763. Almost half of large employers reported an increase from 2021 in the share of employees using mental health services. The 2022 survey asked employers about the breadth of their provider networks, especially for those using services for mental health and substance use disorders. Employers were less likely to report that their plan with the largest enrollment was very broad for mental health services than for providers overall. Fewer employers thought that their plan had a sufficient number of behavioral health providers versus primary care providers to provide timely access to enrollees.


Assuntos
Planos de Assistência de Saúde para Empregados , Humanos , Estados Unidos , Cobertura do Seguro , Inquéritos e Questionários
18.
Popul Health Manag ; 25(6): 753-762, 2022 12.
Artigo em Inglês | MEDLINE | ID: mdl-36301527

RESUMO

Rising prescription costs, poor medication adherence, and safety issues pose persistent challenges to employer-sponsored health care plans and their beneficiaries. Comprehensive medication management (CMM), a patient-centered approach to medication optimization, enriched by pharmacogenomics (PGx), has been shown to improve the efficacy and safety of pharmaceutical regimens. This has contributed to improved health care outcomes, reduced costs of treatments, better adherence, shorter durations of treatment, and fewer adverse effects from drug therapy. Despite compelling clinical and economic evidence to justify the application of CMM guided by PGx, implementation in clinical settings remains sparse; notable barriers include limited physician adoption and health insurance coverage. Ultimately, these challenges may be overcome through comprehensive programs that include clinical decision support systems and education through employer-sponsored population health management channels to the benefit of the employees, employers, health care providers, and health care systems. This article discusses benefits, considerations, and barriers of scalable PGx-enriched CMM programs in the context of self-insured employers.


Assuntos
Planos de Assistência de Saúde para Empregados , Farmacogenética , Humanos
19.
JAMA Netw Open ; 5(9): e2234174, 2022 09 01.
Artigo em Inglês | MEDLINE | ID: mdl-36178690

RESUMO

This cross-sectional study compares trends in employer-sponsored health insurance coverage in the US before and during the COVID-19 pandemic.


Assuntos
COVID-19 , Planos de Assistência de Saúde para Empregados , COVID-19/epidemiologia , Humanos , Cobertura do Seguro , Pandemias
SELEÇÃO DE REFERÊNCIAS
DETALHE DA PESQUISA
...