Private Health Insurance: Small Employers Continue to Face Challenges in Providing Coverage Page: 2 of 43
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Results in Brief 2
Similar Premiums for Small And Large Employers May Mask
Coverage Differences And Potentially Higher Costs to Small
Employers for Those Not Insured 7
Insurers' Costs to Provide Coverage Are Higher for Small
State Reforms to Restrict Small Employers' Premiums Have
Varying Impact 16
Other State Efforts Have Had A Limited Effect on Affordability 22
Concluding Observations 26
Comments From External Reviewers 27
Appendix I Methodology 29
Appendix II Health Insurance Premium Quotes 35
Related GAO Products 39
Table 1: Average Annual Single and Family Premiums by Size of
Employer, 1998 8
Table 2: Selected Demographics and Self-Reported Health
Characteristics for Individuals Insured Through Small and
Large Employers, 1996 11
Table 3: Self-Reported Health Characteristics for Workers of All
Ages and Workers 30 to 64 Years Old, Including Their
Dependents, by Insurance Status at Small Employers, 1996 12
Table 4: Percentage Difference in Monthly Premiums for Low- and
High-Risk Hypothetical Small Employer Groups in
Selected Localities 13
Table 5: MEPS Sample and Estimated Population Sizes, December
GAO-02-8 Small Employer Health Insurance
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United States. General Accounting Office. Private Health Insurance: Small Employers Continue to Face Challenges in Providing Coverage, report, October 31, 2001; Washington D.C.. (https://digital.library.unt.edu/ark:/67531/metadc294197/m1/2/: accessed April 18, 2019), University of North Texas Libraries, Digital Library, https://digital.library.unt.edu; crediting UNT Libraries Government Documents Department.