Taking Stock Of Health: An Examination Of Health Insurance Expenditures By Employer Categories

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Swarn Chatterjee
John Gilliam


Health insurance, employee participation, insurance premiums, PPO


This research uses the Consumer Expenditure Survey (CEX) data to examine the cost of health insurance coverage for government as well as private sector employees and for the self-employed. The findings show that, when compared with private-sector employees, the self-employed spend more and government employees spend less on health insurance premium payments. Factors such as education, marital status, region of residence, age, family size and educational attainment are significant determinants of the amount spent on health insurance. In addition, the likelihood of participation in Preferred Provider Option (PPO) health plans is lower for government employees and for self-employed individuals than for private sector employees.


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