Prospects and Challenges of Employer-Based Health Insurance

Some health systems such as that of the U.S. depend substantially on employers to provide health insurance coverage to their workers, nearly 175 million Americans currently so provided for, an essential aspect of the employees’ total remuneration package, although nearly 47 million other Americans, 16% of the population, did not have health insurance in 20051. However, mounting health care costs continue to pose major challenges to employer-sponsored health insurance.

 

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