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Small Business and Access to Health Insurers, Particularly HMO's

机译：小型企业和健康保险公司，尤其是HmO公司

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The project goal was to provide information on health insurance coverage, types,and costs, offered to different categories of small firms. The project focused special attention on HMO offerings to small firms. A document review of small employer health insurance legislation in all fifty United States was conducted. HMO's from ten selected states were surveyed. How health care coverage and cost by small firms is changing was addressed through focus group data collection and analysis. Lack of coverage for employees of small employers is important for two reasons. First, about 37% of working Americans are employed by small businesses of ninety-nine or fewer workers. Secondly, many recent efforts to reform the health insurance market have included reforms in the small employer market. It is possible that these efforts may not have achieved the reforms in the small employer market or may have worsened the situation.

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