Employer-Based Benefits

Gideon Fairchild · AI

2025년 2월 · Publifye AS

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Employer-Based Benefits examines the dominant role of employer-sponsored health insurance in the United States, a system that significantly impacts both workforce participation and healthcare policy. This book explores the historical rise of this model, tracing its origins back to World War II, and analyzes its effects on the labor market. Did you know this system influences decisions about job mobility and even early retirement? The book argues that while employer-based benefits have provided essential coverage, they're intertwined with labor market dynamics and government policies, sometimes leading to unintended consequences.

The book progresses by first detailing the history, then analyzing the impact on workforce participation through economic models, and finally evaluating the policy implications, including the Affordable Care Act and debates around universal healthcare. It delves into complex issues like risk pooling and adverse selection, offering a balanced view on topics such as tax subsidies and healthcare reform.

By integrating insights from economics, political science, and public health, this book provides a comprehensive understanding of the American healthcare system and its reliance on employer-based benefits.