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The Improbable Future of Employment‐Based Insurance
Author(s) -
BANJA JOHN D.
Publication year - 2000
Publication title -
hastings center report
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.515
H-Index - 63
eISSN - 1552-146X
pISSN - 0093-0334
DOI - 10.2307/3528041
Subject(s) - health insurance , variety (cybernetics) , group insurance , actuarial science , business , self insurance , turnover , selection (genetic algorithm) , income protection insurance , sick leave , insurance policy , public economics , economics , general insurance , labour economics , health care , economic growth , management , artificial intelligence , computer science
Voluntary, employment‐based insurance is afflicted by a variety of internal imbalances: inequities in the way health insurance is paid for, a conflict of interest in the selection of health insurance, the concentration of the healthy and the sick into separate plans, and free‐ridership. But while all these imbalances generate severe problems, those seeking to reform health insurance in the United States should concentrate on the last two.