When a firm offers health benefits to workers, it exposes the firm to the risk of making payments when workers get sick. A firm can either pay health expenses out of its general assets, keeping the risk inside the firm, or it can purchase insurance, shifting the risk outside the firm. Using data...

This Article interrogates the current and future role of employer-sponsored health insurance in reproductive choice, revealing the magnitude of impact that employers’ insurance coverage choices have on Americans’ access to reproductive care, as well as the legal infrastructure that...

Millions of workers in Ontario have no access to supplemental health and dental benefits that reimburse most costs for prescription drugs, dental, vision and mental health services. These services are indisputably essential to good health, productivity and financial security for workers and...

Over half of the U.S. population receives health insurance through an employer, with employer premium contributions creating a flat "head tax" per worker, independent of their earnings. This paper develops and calibrates a stylized model of the labor market to explore how this uniquely American...

It is unknown how labor market concentration impacts employee health benefits. We combine data from the Medical Expenditure Panel Survey - Insurance/Employer Component with the Longitudinal Business Database for 2002-2019 to examine how labor market concentration affects contributions to plan...