All About Employee Sponsored Healthcare Programs

So exactly what are the factors that promote workers to enroll in an employee sponsored healthcare program? Various studies have found out that it is usually the unmarried male who is working full time most likely to enroll in such programs. The married workers share their healthcare policies with their spouse.

A simple but a very powerful factor that may shed some light on the reasons is the amount of employee contribution towards these programs. The higher the contribution demanded from workers, the less likely are they to enroll in employee sponsored healthcare programs. The enrollment rate for employers who didn’t require any contribution form their workers was nearly 87 percent as compared to 77 percent for organization requiring some sort of health insurance contribution form the workers.

Numerous studies have proved that the average contribution of a worker in private sector has increased by nearly 15 percent per year since the last two decades. Although only 60 percent of the small firms offer a company sponsored healthcare program but it is an interesting fact that the average contribution of employees in these firms was 19 percent lower then their larger counterparts. Some analyst believes that such an anomaly is due to low paying jobs in smaller firms.

Another study conducted by the AHRQ examined the impact of zero premiums for workers where the firms pay the entire healthcare costs. The results proved that nearly 2.5 million out of 13.8 million private sector workers are most likely to enroll in a healthcare program if companies bear the entire costs of health insurance. The scientists also concluded that the number of workers in small enterprise who will be willing to enroll in a fully employee sponsored program will increase by nearly ten percent as compared to four percent in larger enterprise. Such studies are a proof that US government should help finance the private sector to provide health insurance coverage to the many uninsured workers.

Written by Everson Ferriola. Now you can learn top info on Group Health Insurance Quotes and even Affordable Group Health Insurance.

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