Transforming Health Care Through Evidence and Collaboration
Transforming Health Care Through Evidence and Collaboration
The NIHCM Foundation is a nonprofit, nonpartisan organization dedicated to improving the effectiveness, efficiency and quality of America's health care system.
  • Data Insights

    The second part in this ACEs infographic series, this infographic explores the challenges facing children and families and provides actionable guidance to nurture resilience and support caregivers and parents.

    Part 1 Part 2
  • Data Insights

    The COVID-19 pandemic has placed a spotlight on the link between systemic racism and health in many communities. This new NIHCM infographic clarifies the relationship between long-standing social and economic inequities and health disparities affecting Black Americans, over the life course and in relation to COVID-19.

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  • Data Insights

    Globally, outdoor air pollution is attributed to 4.2 million deaths every year. This infographic explores air pollution in America and the unequal impact it has on Black and Latinx communities. It also looks at the current solutions that are already available to improve air quality.

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  • Awards

    We are honored to announce the winners for the 26th Annual Health Care Research and Journalism Awards. This year’s awards are virtual because of the COVID-19 pandemic, yet we invite you to meet the winners and learn about their award-winning work. NIHCM is also announcing the largest grant program in our history — $1 million to support work in journalism and research.

    Meet the Winners Press Release
  • Data Insights

    This infographic highlights the health challenges faced by the homeless community and outlines short and long term solutions to improve the health and well-being of these individuals, through social, economic and housing interventions.

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  • Data Insights

    This new Data Insights highlights the rapid rise in overdose deaths involving cocaine and methamphetamine, illustrates the geographic variations in utilization and death rates, and quantifies the increasing burden that these drugs are placing on the hospital system.

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Events

September 23, 2020
Latino Graphic

This webinar highlighted how systemic racism, the challenges of immigration, language barriers and other factors harm the health and well-being of Latinos.

September 10, 2020
Protecting Our Children

This webinar brought together experts to provide insight on early childhood development, ACEs and COVID-19’s impact on children.

In the News

September 2020
Population Health Spotlight
september-newsletter 8

Employer-Sponsored Health Insurance: Recent Trends and Future Directions

Key Points From This Brief:

  • Employer-sponsored health insurance (ESI) continues to be the bedrock of coverage in the United States, but long-term trends reflect a steady decline in offer rates among smaller employers, lower enrollment rates among workers offered insurance, and a move away from coverage for dependents. As a result, the number and proportion of non-elderly people receiving insurance through an employer has trended downward for at least the past decade. 

  • These changes have occurred as escalating medical costs push health insurance premiums ever higher. By 2012, health insurance expenses amounted to nearly 8 percent of the overall private-sector payroll and were nearly 12 percent for public-sector employers. 

  • In the face of these rising costs, employers and health insurers have already been taking numerous steps to curtail spending growth. These initiatives include requiring greater cost sharing from plan enrollees, restricting eligibility for spouses, modifying benefit designs and making more wholesale changes to the types of plans offered, adding wellness and health management programs, and strengthening incentives for enrollees and providers to seek and deliver high value care. 

  • Against this backdrop, the ACA introduces sweeping changes to the U.S. health insurance system. While smaller firms and those with predominantly low-wage workforces may have less incentive to offer or retain coverage, any coverage losses will be modest because fewer workers in these firms currently have health benefits. Large employers, who provide most ESI currently, appear poised to stay in the game even with the one-year delay in the employer mandate but will continue changing the benefits they offer. 

  • It is all but certain that employers will continue to shift a greater portion of health benefit costs to employees and tighten eligibility rules for dependents. Increasing reliance on high-deductible health plans with savings options (HSAs and HRAs) within the ESI market also appears quite likely. 

  • Private exchanges are emerging very quickly as new insurance distribution channels and employers express high interest in moving to these markets in the next few years, most often providing a defined contribution that employees can use to purchase coverage of their choice on the private exchange. Some experts predict that private exchanges will soon be the dominant distribution channel for employerprovided coverage despite the availability of the public SHOP exchanges. 

  • Wellness and health management programs are widespread and growing in sophistication, with employers increasingly relying on financial rewards that require progress toward specific biometric goals. ACA provisions that permit even larger incentives have the potential to affect both the structure and cost of health benefits for millions of U.S. workers.

  • Other strategies already being adopted by employers and insurers seeking to promote value in health care spending include high performance networks and centers of excellence, differential cost-sharing based on the value represented by the provider or the service, reference pricing, and improved transparency around cost and quality. Significant movement along these lines is expected to continue in the future.

  • The ESI world is far from settled. The evolution of ongoing market trends and the impact of the new changes brought by the ACA both may be affected by larger environmental factors. Critical among these factors are trends toward self-insurance by smaller employers, the long-term viability of the public exchanges, state decisions about Medicaid expansion, legal challenges to the payment of subsidies on certain public exchanges and possible changes to the tax treatment of ESI premiums.
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Events

September 23, 2020
Latino Graphic

This webinar highlighted how systemic racism, the challenges of immigration, language barriers and other factors harm the health and well-being of Latinos.

September 10, 2020
Protecting Our Children

This webinar brought together experts to provide insight on early childhood development, ACEs and COVID-19’s impact on children.

In the News

September 2020
Population Health Spotlight
september-newsletter 8

Grants

Journalism GrantsJournalism Grant Program

The deadline for the 2020-2021 round of grant making has passed. NIHCM will notify the grant winners in the fall.

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NYTUpshotLogo

Investigator-Initiated Research Grant Program

The deadline for the 2020-2021 round of grant making has passed. Finalists have been notified.

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Awards

The 26th Annual Research and Journalism Awards

Winners Announcment 2018 1

We are honored to announce the winners for the 26th Annual Health Care Research and Journalism Awards.

Learn More