Welcome to the Illinois Health Matters Blog

What health reform means for the people of Illinois

A blog by IllinoisHealthMatters.org

Friday, February 6, 2015

Employer-Sponsored Health Insurance Staying Steady

Rates of employer-sponsored healthcare have not declined since the implementation of the ACA, according to Fredric Blavin, a Senior Research Associate at the Urban Institute’s Health Policy Center. These findings, published in the January 2015 issue of Health Affairs, are based on his analysis of the Health Reform Monitoring Survey. Researchers at the Urban Institute administered this survey to workers between June 2013 and September 2014, asking if they are/were employed and if they are/were offered employer-sponsored health coverage. Analysis of these national data, displayed in figure 1, suggests that rates have remained statistically constant. The pre-existing and new ACA economic incentives for workers to obtain coverage from employers remains strong; the feared erosion has not yet materialized.

Massachusetts An Early Example

Earlier studies on Massachusetts’ employer-sponsored insurance market support Blavin’s findings. Between fall 2006 and fall 2009, a period of time which included adoption of the state’s health reforms, the rate of employer-sponsored insurance increased by 3%.

ACA Provisions Prevented Downward Direction

Incentives in the healthcare law have restrained the predicted drop-off in employer coverage. Provisions, such as ongoing preferential tax treatment of premiums through payroll deductions and the mandate to provide coverage for businesses with 50 or more workers, have persuaded employers to continue offering plans.

But Small Firms Are Left Out

One notable result from this survey is the nagging imbalance between large firms and small firms offering coverage.  Although mechanisms like the small employer tax credit and the SHOP Marketplace are meant to close this gap, small businesses have not taken advantage. Outreach and education with small businesses represents a large opportunity for insurance coverage expansion.   Small employers need information to understand provisions of the ACA in order to provide health insurance options to this growing workforce.

Michele Thornton, MBA
Insurance and Benefits Consultant


  1. I think that is really interesting. I thought that there was supposed to be huge changes this year regarding health insurance. I hope that the health insurances sponsored by employees continue to stay steady. I think it will really help a lot of people. http://www.quesenberryagency.com/health-insurance/

  2. An usefull post,thx to admin for the article

  3. I think the things you covered through the post are quiet impressive, good job and great efforts. I found it very interesting and enjoyed reading all of it...keep it up, lovely job..
    chiropractic soap notes  

  4. I'm glad that to see that these health care statistics are staying constant. Like the first commenter, I was under the impression that there would be a lot of changes concerning health care. It's great that the incentives have remained strong.

    Susan Hirst | http://www.meekinsinsurance.com


    I addition to most doctors being asshole the are the biggest thieves and killers in America and the world.


    I addition to most doctors being asshole the are the biggest thieves and killers in America and the world.

  7. Its really helpful post and I will also share this post with my friends.


    Senior Home Health Care | Home Health Agency Texas

  8. The blog was absolutely fantastic! Lot of great information which can be helpful. For best affordable chiropractic soap notes  software just visit the link

    1. Abe asks the straw man question: "What should an MD do if asked how to help men with their health, if he has opinions on the topic based on experience and evidence?" Of course, that's not the situation here, is it? Peter has it just right. Most MDs would not consider it appropriate to give generalized advice regarding diagnostic tests to a broad population of men (or women).

      Abe also overstates the point of this blog post by creating another straw man: "It is insulting to suggest that everything physicians do is financially self-serving."

      As to scientific disagreements over the value of such testing, they certainly exist. Given those disagreements, is it appropriate for one physician who believes one way to, in essence, encourage a man to bypass his own MD who might believe the other way--and to do so in a public campaign enlisting the help of the man's mate? How could we consider that kind of approach to giving medical advice to be ethical, even just considering relationships within the profession? "Oh, your doctor is too stupid or ill-informed to properly advise you, so I'll get your mate to convince you to go down this diagnostic path." That's a lot different from suggesting to a single patient that he get a second opinion.

      Toshiba PVT-375BT

  9. Shaanu Computers is one of the growing companies that specialize in the IT and Networking Sector with a large variety of services and products to choose from
    Address: 7/52, SECT-5, RAJENDER NAGAR, SAHIBABAD Ghaziabad Uttar Pradesh 201005 India
    Phone: +91 9811095447, +91 9871039263
    Email: shaanucompu@gmail.com

  10. Really great news!!! this information is well worth looking everyone. Good tips. I will be sharing this with all of my friends! Thank you for sharing valuable information. Go Car insurance comparison sites believes in respecting every customers privacy and helps customers to get hold the product which they are most in need of, taking care of their budget line. This site is quite confident and Continue reading.

  11. Read your blog its really informative and helpful keep updating more post on
    medical insurance policy

  12. It's not my very first time to visit this blog; I’m visiting this daily and acquire superb info from here day by day. Cheap Commercial auto insurance in Houston

  13. Do you mind if I quote a couple of your posts as long as I provide credit and sources back to your blog? My blog is in the exact same niche as yours and my users would really benefit from some of the information you provide here. Please let me know if this ok with you. Thank you!
    Joint Diseases and Rehabilitation Dubai

  14. This is one of the most important blogs that I have seen, keep it up! Cheap Commercial insurance in Houston

  15. hi this is mrunal and thanks for your blog on health insurance that's really nice or informative blog for me thanks allot.

  16. Nice and interesting information and informative too. Can you pls let me know the good attraction places we can visit: medical insurance policy

  17. How I Got My Ex Husband Back...........

    I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR.His WhatsApp Number:+2347054263874.

  18. Motor Insurance in India can be a biggest chore to buy. A person always goes for the cheapest vehicle insurance and totally ignores the rest. But what if DHFL GI told you that they could craft a car insurance that is just for you? At the amazing labs of DHFL GI, they are developing motor insurance that is built for you. Just you! All it takes is a click to keep your two-wheeler or car fully protected.