By NextBestFitEmployers
Businesses that buy coverage for workers today, and those that don't.
Under your mix of paths
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Problems that hurt them
Paths that fix these help them.
- Premiums are a large, flat, hidden tax on wages: Small employers pay the same premiums on lower payrolls.
- Patients can't know prices in advance: Opaque and variable prices make health costs hard to manage.
- Pharmacy benefit managers profit from opaque drug pricing: Opaque spread pricing hides prescription benefit margins.
- Hospital and physician consolidation raises prices: Consolidation raises commercial prices without clear quality gains.
- Replacing premiums with taxes: Businesses that never offered coverage start paying toward it.
- Employer health taxes can lower wages at firms that never offered coverage: Small businesses that offered no coverage face a new payroll cost.
Problems they gain from
Paths that fix these cost them.
- Tens of millions of people have no coverage: Employers that don't offer coverage avoid its cost.
- Job lock: people stay in jobs to keep insurance: Benefits help employers keep workers who would otherwise leave.
- Underinsurance: covered, but can't afford to use it: They benefit from lower premiums.