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雇主赞助的健康保险的费用是否在个人层面转嫁给工人?

经济学与人类生物学。 三月2,2021

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由于雇主赞助的健康保险 (ESI) 是经验评级,因此雇主有动力尝试通过向医疗支出较高的员工支付较低的工资来抵消其成本。 然而,关于该主题的现有证据仅表明,ESI 与支付成本较高的工人群体的工资较低有关。 相比之下,我使用平价医疗法案雇主授权提供的变化来检查医疗支出的差异是否在个人层面传递给工人。 我的估计依赖于剂量反应差异框架中的医疗支出小组调查数据,该框架检查必须很快向他们提供 ESI 时,具有不同医疗支出的工人的工资如何变化。 我发现,在雇主授权宣布必须尽快向工人提供 ESI 后,医疗支出的每 1 美元差异与 0.35 美元至 0.51 美元的工资抵消相关。 安慰剂分析侧重于其雇主不受授权影响的工人,为因果解释提供支持。 我还表明,我的发现对样本选择或数据可靠性问题并不敏感,并且无法通过 大衰退,与医疗支出或特定于地点或行业的特殊冲击相关的人口特征。

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