To Examine the Cost and Availability of Health Care Benefits for Small Businesses and Proposals for Federally Mandated Health Benefits: Hearing Before the Committee on Small Business, United States Senate, One Hundredth Congress, First Session ... April 23, 1987, Volume 4U.S. Government Printing Office, 1987 - 381 páginas |
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Página 66 - American Chambers of Commerce abroad, an increasing number of members are engaged in the export and import of both goods and services and have ongoing investment activities. The Chamber favors strengthened international competitiveness and opposes artificial US and foreign barriers to international business. Positions on national issues are developed by a cross-section of Chamber members serving on committees, subcommittees, and task forces. Currently, some 1,800 business people participate in this...
Página 23 - OF HONORABLE FRANK S. SWAIN CHIEF COUNSEL FOR ADVOCACY US SMALL BUSINESS ADMINISTRATION BEFORE THE COMMITTEE ON LABOR AND HUMAN RESOURCES OF THE UNITED STATES SENATE OH MANDATED EMPLOYER-PAID HEALTH INSURANCE.
Página 380 - Despite additional response categories in the 1985 survey, the distribution of reasons for not having employee health insurance in 1985 was similar to distribution in 1978. The two reasons most frequently cited in 1978 were the two most frequently cited in the current survey. A nuance in this regard was that those attributing their action to a predominance of secondary wage earners fell twelve percentage points to 261. There is no immediate explanation for the fall. Small declines were also registered...
Página 379 - Non-Coverage Despite the increased number of small business owners providing employee health insurance, over one-third provided none; others did not provide it for all employees. The reason(s) for pursuing the no insurance option were neither surprising nor irrational. While no single reason dominated, almost all fell under the general headings of work force composition or cost. "Generally covered under a spouse or parent policy" was the single most frequently given reason (29%) (Table 21).
Página 375 - While at first blush a 661 satisfaction rating would seem favorable, it was 16 percentage points lower than the 1978 evaluation. The change from 1978 should not be surprising given the very large increases in premiums paid (see Table 9). Note, for example, that the percent indicating "not satisfied, but can't afford a better plan" rose seven percentage points over the period. In addition. Table 15 shows that those with less costly plans were more often satisfied than were those with more expensive...
Página 364 - Hospitalization/surgical insurance covers those components of health care provided by a hospital and the "usual, customary, and reasonable" charges for surgical procedures performed. Major medical covers expenses beyond basic hospital and surgical benefits. And, a form of major medical known as comprehensive consists of major medical coverage "plus." These are the general types of health insurance (excluding such additions as dental) from which small employers can choose. Unfortunately, the comprehensive...
Página 380 - It was often a simple matter of economics for employers who provide no health insurance. Half of those without insurance either attributed their action to premiums being too high (331) or to insufficient profitability (201) — opposite sides of the same proposition. Not surprisingly, these economic reasons were most pronounced among those with coverage for no full-time employees. Another 19Z said the firm could not qualify for group coverage, which implies another variant of the cost problem.
Página 380 - Sixteen (16) percent of the very smallest employers cited it. Moreover, almost all who believed they could not qualify for group coverage indicated the reason was business size. Despite additional response categories in the 1985 survey, the distribution of reasons for not having employee health insurance in 1985 was similar to distribution in 1978. The two reasons most frequently cited in 1978 were the two most frequently cited in the current survey.