Employer Based Insurance

The Role of Employer-sponsored Health Insurance
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The Role of Employer-sponsored Health Insurance
The role of employer-sponsored insurance (ESHI) has historically been to provide health coverage to employers. Through this, it ends up being possible for people to get quality coverage at lower costs. Employers have also been using this method of coverage as a means of making the job opportunities lucrative to potential employees. However, with time, the implementation of the ACA ended up creating a different meaning of employer-sponsored health insurance, and this act was majorly aimed towards dealing with common challenges associated with this coverage.
Impact of the Cover on Uninsured Population
With ESHI focusing on getting economies of scale towards offering health insurance to their workers, insurance companies have never been “pleased” with such programs since they tend to prefer having individual covers. To offset the lost profits due to ESHI, they tended increasing their cost further when it came to the uninsured population intending to get individual coverage (KFF, 2017).
Lack of insurance companies to be included coverage discussion has been a challenge. Additionally, some workers tend to prefer private insurance. In some other cases, it has been difficult for some workers to get a coverage meeting their individual needs (Long, Rae, Claxton, Jankiewicz & Rousseau, 2016).
Role of ESHI after Healthcare Reform
The introduction of healthcare reforms through the Affordable Care Act has majorly brought about the improvements in the ESHI coverage.

The reform has ended up making it compulsory for employers to provide health care coverage to its workers (Long, Rae, Claxton, Jankiewicz & Rousseau, 2016). More importantly is the fact that the employers have been compelled to offer specific cover entailing all elements of primary care. This has ended up making it easy for the workers to get medical coverage of the best quality.
There have been many programs to promote ESHI under these reforms. The EB-HIPP program through the Office of Aids (OA) and AIDS Drug Assistance Program (ADAP) are perfect example of such programs. Through these programs, it is possible for staff to get Medigap coverage through copayments, coinsurance, and deductibles (PRC, 2018).
Conclusion
ESHI was aimed at offering coverage to employees, but the challenges that came with it made it difficult for it to work. Through programs initiated by health reforms, however, ESHI has been made better.
References
KFF. (2017). Key Facts about the Uninsured Population. The Kaiser Family Fundation. Retrieved from: https://www.kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/
Long, M., Rae, M., Claxton, G., Jankiewicz, A., & Rousseau, D. (2016). Eligibility and Coverage Trends in Employer-Sponsored Insurance. Jama, 315(17), 1824-1824. Retrieved from: https://jamanetwork.com/journals/jama/fullarticle/2518243
PRC. (2018). Employer-Based Health Insurance Premium (EB-HIPP) Program for ADAP Clients. Retrieved from: https://prcsf.org/employer-based-health-insurance-premium-payment-eb-hipp-program-for-adap-clients/