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The Commonwealth Fund, a private foundation supporting independent research
on health and social issues, recently issued the results of a survey of employers
about their healthcare costs. The report, Job-Based Health Insurance in the
Balance: Employer Views of Coverage in the Workplace, revealed that employers
dislike shifting healthcare costs to employees, but often feel that they have
no choice.
Of the 453 companies participating in the survey, 59 percent said it is "very
important" to provide healthcare coverage to their employees. Employers
report using a variety of strategies to cope with rising healthcare costs, most
of them having the effect of increasing cost burdens on employees and cutting
back on benefits. Thirty-three percent of the respondents who offer health insurance
said that they increased employee copayments or coninsurance, and 31 percent
increased the employee share of premiums in 2002. Twenty-five percent raised
deductibles, and 18 percent eliminated or reduced benefits.
Commonwealth Fund President Karen Davis says that employers feel forced to
make such changes. "The message from employers is that they want to do
the right thing for their employees," she says, "but are struggling
to manage the rising costs of providing health coverage. Employers show support
for a range of policy solutions, including buying into federal or state employee
benefit programs, COBRA subsidies, and helping eligible employees enroll in
public programs."
You can get more information from the foundation's website at http://www.cmwf.org.