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Evaluating Small Group Employer Participation in New Mexico’s State Coverage Insurance Program

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Presentation by Laura Spicer at the 2009 APPAM Conference in Washington, DC, November 7 2009.

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Evaluating Small Group Employer Participation in New Mexico ’ s State Coverage Insurance Program Anna S. Sommers, Laura Spicer, Asher Mikow, Jean Abraham Presented by Laura Spicer Association of Public Policy Analysis and Management November 7, 2009 Funded by the State Health Access Reform Evaluation, a national program of the Robert Wood Johnson Foundation
Overview of the NM SCI Program ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],- -
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Eligibility for SCI - -
Premium Obligations in SCI by Enrollee’s Income Bracket as of August 2007 * The state has provided assistance with premiums for this income bracket since August 2007. - - Income Level Individual Employer 0-100% FPL* $0 $0 101-150% FPL $20 $75 151-200% FPL $35 $75
Study Objective ,[object Object],- -
Expanding Employer Participation: Two Target Populations ,[object Object],[object Object],- - - -
Option 1. Target Inquiring Employers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],- - - -
Comparison of Unadjusted Means, Participating and Inquiring Businesses - - Significant at * p <.10, ** p <.05, and *** p <.01 Participating Employers Inquiring Employers HPC Employer Survey 2005 Total Full and Part-time Employees % % % 0-5 employees 41.8 54.8** 52.4 6-20 employees 28.4 34.3 34.2 21-50 employees 22.4 5.5*** 8.8 51 or more employees 7.4 5.5 4.6 Region of State Frontier 18.1 7.6*** 8.2 Rural 38.0 40.0 33.2 Urban 44.0 55.9** 58.6 More than half of employees earn <$10/hr 36.3 24.5** N/A
Concerns that Applied to Business when Deciding to Participate in SCI: Administrative Issues - - *** Test of difference significant at p<.01 ***
Concerns that Applied to Business when Deciding to Participate in SCI: Cost Issues - - *** *** Test of difference significant at p<.01 % of Employers ***
Maximum Amount a “Business Like Yours Should Be Asked to Spend on Health Care Coverage?” - - % of Employers *** Test of difference significant at p<.01 ***
Option 2. Target Non-Participating Employers with Workers Enrolled in SCI ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],- -
60% of All Workers with no Group Sponsor Work at a Firm of 50 or Fewer Employees - - >75 employees 51-75 employees 50 or fewer employees
Almost All Workers Had Strong Ties to Their Employer ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],- -
Half of Employed Enrollees Work for a Business with No Offer of Coverage - - Sample of Employed Enrollees Size of Business Employer Offers Coverage (%)
Implications for Other States: ,[object Object],[object Object],[object Object],[object Object],[object Object],- - - -
Implications for Federal Reform: ,[object Object],[object Object],[object Object],[object Object],- - - -
About The Hilltop Institute ,[object Object],[object Object],- -
Contact Information - - Anna S. Sommers, Ph.D., principal investigator [email_address] 410-455-6280 www.hilltopinstitute.org IRB Study Protocol # Y08AS36185 Expires 06/02/10

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Evaluating Small Group Employer Participation in New Mexico’s State Coverage Insurance Program

  • 1. Evaluating Small Group Employer Participation in New Mexico ’ s State Coverage Insurance Program Anna S. Sommers, Laura Spicer, Asher Mikow, Jean Abraham Presented by Laura Spicer Association of Public Policy Analysis and Management November 7, 2009 Funded by the State Health Access Reform Evaluation, a national program of the Robert Wood Johnson Foundation
  • 2.
  • 3.
  • 4. Premium Obligations in SCI by Enrollee’s Income Bracket as of August 2007 * The state has provided assistance with premiums for this income bracket since August 2007. - - Income Level Individual Employer 0-100% FPL* $0 $0 101-150% FPL $20 $75 151-200% FPL $35 $75
  • 5.
  • 6.
  • 7.
  • 8. Comparison of Unadjusted Means, Participating and Inquiring Businesses - - Significant at * p <.10, ** p <.05, and *** p <.01 Participating Employers Inquiring Employers HPC Employer Survey 2005 Total Full and Part-time Employees % % % 0-5 employees 41.8 54.8** 52.4 6-20 employees 28.4 34.3 34.2 21-50 employees 22.4 5.5*** 8.8 51 or more employees 7.4 5.5 4.6 Region of State Frontier 18.1 7.6*** 8.2 Rural 38.0 40.0 33.2 Urban 44.0 55.9** 58.6 More than half of employees earn <$10/hr 36.3 24.5** N/A
  • 9. Concerns that Applied to Business when Deciding to Participate in SCI: Administrative Issues - - *** Test of difference significant at p<.01 ***
  • 10. Concerns that Applied to Business when Deciding to Participate in SCI: Cost Issues - - *** *** Test of difference significant at p<.01 % of Employers ***
  • 11. Maximum Amount a “Business Like Yours Should Be Asked to Spend on Health Care Coverage?” - - % of Employers *** Test of difference significant at p<.01 ***
  • 12.
  • 13. 60% of All Workers with no Group Sponsor Work at a Firm of 50 or Fewer Employees - - >75 employees 51-75 employees 50 or fewer employees
  • 14.
  • 15. Half of Employed Enrollees Work for a Business with No Offer of Coverage - - Sample of Employed Enrollees Size of Business Employer Offers Coverage (%)
  • 16.
  • 17.
  • 18.
  • 19. Contact Information - - Anna S. Sommers, Ph.D., principal investigator [email_address] 410-455-6280 www.hilltopinstitute.org IRB Study Protocol # Y08AS36185 Expires 06/02/10