Can Employer-Sponsored Insurance Be Saved? A Review of Policy Options: Limiting Provider Consolidation and Anti-Competitive Behavior

The generosity of many Employer-Sponsored Insurance (ESI) plans is in decline, leaving many workers and their families with high out-of-pocket costs relative to their income. This blog reviews the primary drivers of the erosion occurring in ESI and identifies three recognized policy options to improve affordability: regulating prices, reducing anti-competitive behavior, and improving price transparency.