Price and spouse's coverage in employee demand for health insurance

摘要

The decline in health insurance coverage over the last two decades is a matter of national concern. The vast majority of insured individuals under age 65 obtain coverage from their employer or as dependents of a family member with group-sponsored health insurance. Recent evidence suggests that the decrease in coverage among full-time workers has resulted not so much from declining employer offers but rather from reduced take-up (Henry S. Farber and Helen Levy, 2000).