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J Gabel

Publications and source records attributed to J Gabel.

57 records · Page 4Linked to original sources
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Job-based health insurance in 2001: inflation hits double digits, managed care retreats.

Drawing on the results of a national survey of 1,907 firms with three or more workers, this paper reports on several facets of job-based health insurance, including the cost to employers and workers; plan offerings and enrollments; patient cost sharing and benefits; eligibility, coverage, and take-up rates; and results from questions about employers' knowledge of market trends and health policy initiatives. Premiums increased 11 percent from spring 2000 to spring 2001, and the percentage of Americans in health maintenance organizations (HMOs) fell six percentage points to its lowest level since 1993, while preferred provider organization (PPO) enrollment rose to 48 percent. Despite premium increases, the percentage of firms offering coverage remained statistically unchanged, and a relatively strong labor market has continued to shield workers from the higher cost of coverage.

Cost Sharing↗
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On their own: a profile of the individually insured.

More than 13.6 million Americans under the age of 65 own a health insurance policy that they purchased directly from an insurance company or agent. Buyers tend to come from a "Golden Girls" cohort-- white, widowed or divorced, age 55-64, and working for a small company. High premiums have helped to reduce the number of individual policyholders. Insurers incur high administrative costs, have low loss ratios, and have suffered financial losses. As a result, the market is serving neither buyer nor seller well. One solution would establish competitive bidding at the state level limiting the franchise to sell individual insurance to three-to-five carriers; require bidders to include cost controls; and reduce agent commissions and other marketing costs by having states take an active role in informing the public.

Adolescent↗