NEHIS is the first federally sponsored survey designed to produce State
estimates of employer-sponsored health insurance. Data are based on
responses from 34,604 private establishments (business locations) obtained
in computer-assisted telephone interviews.
Data Highlights
At the end of 1993, 52 percent of private sector establishments
sponsored group health insurance and 58 percent of employees participated
in their health plans.
Firm size was one of the most important determinants of whether a
business offered health insurance. One-third of establishments that
belong to firms with less than 10 employees offered health insurance
compared with 96 percent of establishments in firms of 100 or more
employees.
Approximately 56 percent of establishments sponsoring health
insurance offered managed care plans, 26 percent offered a health
maintenance organization (HMO), and 35 percent a preferred provider
organization (PPO) plan.
Approximately 74 percent of private establishments that offered
health insurance in the United States required employees work, on
average, a minimum of 32 hours per week to be eligible for health
benefits.
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Plan and Operation of the National Employer Health Insurance Survey
Description
This report provides a description of the development of the NEHIS
including the survey design; the questionnaire content; and the
methodologies employed in data collection, in data processing, and for
data analysis. Current and future analysts and data users should find the
topic areas and details covered in this report instructive when analyzing
and utilizing the NEHIS data set. Conducted in
1994, the NEHIS was a probability sample
survey of private establishments and governments, designed to produce state and national estimates of
employer-sponsored health insurance. Topics included employee eligibility
and enrollment and characteristics of offered plans.
The
NEHIS four major objectives were to:
Provide baseline data for evaluating the effects of
heath care reform at the state and national level.
Describe the employment-based health insurance
system as of 1993.
Measure state and national levels of health
insurance spending for the National Health Accounts. (National Health
Accounts are HCFA’’s source of data used for describing the
current economic resources of the National devoted to health care.
Provide data for prospective policy analysis of the
effects of health care reform.
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Health
Insurance Coverage for the Self-Employed With no Employees
Description
This report describes the health insurance coverage of
self-employed individuals with no employees (SENE’s) by socioeconomic
and demographic characteristics. Data presented include their health
insurance coverage status; sources of coverage; types of plans; covered
services; barriers to access; and information related to annual
out-of-pocket costs and monthly health insurance premium contributions.
Self-employed individuals with no employees
(SENE’s)
represent a small but important segment of the workforce. According to the
National Employer Health Insurance Survey (NEHIS) they account for almost
one-half of all businesses nationally yet are usually excluded from
employer surveys. Therefore, in order to provide baseline data for
evaluating the effects of health care reform, the sample design of NEHIS
included a sample of SENE’s.
Data Highlights
At the end of 1993, of the 4.5 million self-employed
individuals with no employees (SENE’s) aged 18-64 years, 31 percent were
uninsured, 28 percent directly purchased health insurance, 38 percent had
coverage through other employment-related sources (mostly through a
spouse), and 5 percent had coverage through a public source.
Family income was one of the most important
determinants of health insurance coverage for SENE’s. Almost two-thirds
of SENE’s with an annual family income of less than $20,000 were
uninsured compared to 16 percent of SENE’s with family income of $35,000
or more.
Two-thirds of SENE’s who purchased health insurance
directly from an insurance company obtained a fee-for-service plan, while
among SENE’s with other employment-related plans, 39 percent had a
fee-for service plan.
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