Cost sharing and the changing pattern of employer-sponsored health benefits.
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The perception that employers have been redesigning group health benefits to encourage more cost-effective use is distorted by limited study methods. New estimates of initiatives undertaken by larger private-sector employers--based on nationally representative data from the U.S. Bureau of Labor Statistics--reveal a more uncertain picture of cost containment. Cost sharing for initial hospital stays was broadened between 1981 and 1985, but coverage in most other areas--categories of care, lifetime benefit limits, etc.--was actually increased. Real health care expenditures will continue to grow absent more significant employee cost sharing.
author list (cited authors)
Jensen, G. A., Morrisey, M. A., & Marcus, J. W
complete list of authors
Jensen, GA||Morrisey, MA||Marcus, JW