Cost and Coverage: The Impact of Implementing Various State Health Care Reform Proposals Nationally. Coverage Impact

06/01/2008

A national mandate to establish Section 125 plans for employers with 10 or more workers would reduce the number of uninsured by 4.2 million (Figure 3).  Of the 50.1 million people who would newly participate in a Section 125 plan, 4.2 million would have been previously uninsured, 5.1 million would have been previously covered by a non-group plan, and 40.8 million would have previously been covered by ESI.

A national mandate to establish Section 125 plans for all employers would reduce the number of uninsured by 5.6 million (Figure 3).  Of the 58.1 million people who would newly participate in a Section 125 plan, 5.6 million would have been previously uninsured, 6.7 million would have been previously covered by a non-group plan, and 45.8 million would have previously been covered by ESI.

Figure 3. Number of Workers and Dependents Effected By Mandatory Section 125 Plans (in millions)
  Section 125 Plans Required for Firms With 10 or More Workers Section 125 Plans Required for All Firms
Number of People Newly Using Pre-Tax Dollars For Insurance Under Section 125 Plans 50.1 58.1
   Previously uninsured 4.2 5.6
   Previously non-group 5.1 6.7
   Previously ESI coverage 40.8 45.8
Net Reduction in uninsured Due to Section 125 Plans 4.2 5.6
Source: Lewin Group estimates using the Health Benefits simulation model (HBSM).

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