The Improbable Future of Employment-Based Insurance
Banja, John D.
Hastings Center Report. 2000 May-Jun; 30(3): 17-25.
Voluntary, employment-based insurance is afflicted by a variety of internal imbalances: inequities in the way health insurance is paid for, a conflict of interest in the selection of health insurance, the concentration of the healthy and the sick into separate plans, and free-ridership. But while all these imbalances generate severe problems, those seeking to reform health insurance in the United States should concentrate on the last two.
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