Employer-Based Reforms

Goals: 

1. Stop the erosion in employer-sponsored insurance
2. Reduce premium costs to small employers
3. Reduce premium costs to low-income employees

Examples: 

• Purchasing pools (Connecticut, New Mexico, New York, Ohio, Texas)
• Reinsurance (Arizona, Minnesota, New Mexico, New York)
• Public program premium subsidies (Illinois, New Jersey, Oklahoma, Rhode Island, Utah)
• Three-share programs (Michigan, Illinois, New Mexico and Oklahoma) (see Financing Strategies page)
• Buy-in to state employee pool pr pool using negotiated payment rates (Connecticut, New Mexico, Washington, West Virgina)
• Public program premium subsidies to employers (New Mexico, Oklahoma)
  

Framework of Reform     Reform Process     Public Sector Reforms    

Insurance Market Reforms     State Information     Financing Strategies