今天, the 澳博官方网站app 研究所 released new data showing small business owners who purchase their health insurance on the individual marketplace are facing growing premium costs that are outpacing revenues operating expenses. 2014年，16%的个体市场参与者是个体户.

近年来，保险保费的增长速度有所放缓, 从2014年的10%到2017年的7%, typical small business owners still spend about $500 per month on premiums to cover themselves and/or their families. 此外，数据显示，小企业主至少支付了6美元.5 percent of their expenses toward healthcare costs in 2016 were more likely to stop making healthcare payments and perhaps left the marketplace entirely in the following year.

这份报告, 支付保费:小企业主健康保险市场的动态 provides insight into the decisions of small business owners as participants in the individual health insurance market and a unique perspective into the magnitude of health insurance premiums relative to other operating expenses small business owners face.

"The majority of America’s small business owners face a real financial burden when purchasing insurance for themselves and their families,” Diana Farrell，澳博官方网站app研究所总裁兼首席执行官. "Small 企业 operate under fragile circumstances, with the average small business having only 27个现金缓冲日. These 企业 are significantly vulnerable to revenue shocks and health insurance premiums represent a material and growing operating cost for these business owners. 在政策制定者考虑医疗保健的前进道路时, 在我们寻找解决方案的时候，把这些小企业放在心上是很重要的."

超过75%的小企业是不雇佣员工的公司, 包括独资经营者, 承包商和自由职业者, 代表了美国绝大多数小企业. 在29个国家中.2014年，美国有600万家小企业.800万是无雇主企业.

While issues faced by small employers who offer health insurance have drawn significant attention, 对于没有雇主的小企业，这方面的研究有限.

该报告的一些关键要点包括:

• 近年来，医疗保险费急剧增加, 但随着时间的推移，增长速度已经放缓. 小企业主的保费在2014年增长了10%, 尽管这一增长率在2017年降至7%.

• Health Insurance premiums for small business owners have grown significantly faster than their operating expenses. 2014年，健康保险保费负担中位数为2.3%. 2017年，同一组公司的中位数负担已增至2.9%，增长了约0%.每年2个百分点.

• Small business owners with the highest insurance burdens are leaving the individual market, 甚至可能没有医疗保险. 样本中有42%的公司的医疗保险支付额为6.5 percent or more of their expenses in April 2016 were no longer in the sample a year later. Firms with high health insurance premium burdens were more likely to leave the sample the following year – as opposed to firms with lower health insurance premium burdens – most commonly because they discontinued those payments.

样本由30多个组成,000 nonemployer firms who hold business banking deposit accounts with 追逐 and also make regular health insurance premium payments from those accounts. The 澳博官方网站app 研究所 used the 117 million anonymized transactions from these 企业 to produce a monthly view of health insurance premium payments and other operating expenses from January 2014 to April 2017. 支持对公司内部支付变化的分析, 澳博官方网站app研究所也构建了一个面板样本, 由3人组成,每月出现在横断面样本(如上所述)中的505家公司.

主要结论: 支付保费:小企业主健康保险市场的动态

• 对于非雇主的企业主来说，医疗保险费是一项重大支出, 谁每月要花500美元在医疗保险费上.
  • The typical nonemployer business owner paid health insurance premium payments that were 2.2017年某一个月总支出的5%.
    除了是物质上的开支, the median premium payment has increased over the last three years (April 2014 – April 2017) by 11.6%，从449美元降至502美元.
• Health insurance premiums are an increasing economic burden for nonemployer business owners, 谁的医疗保险支付自2014年以来大幅增长.
  • 我们的纵向数据使我们能够分析个别公司的经验. The dynamism of the small business sector can mask those experiences in aggregate cross-sectional data. 我们调查了公司内部健康保险保费支付的增长, 不仅在我们的完整样本中允许进入和退出, but also in a longitudinal panel of firms that are present in every month of our sample period.
  • 无雇主的小企业经历了典型的7-10%的HIPP增长率.
  • 大多数非雇主公司的医疗保险费大幅增长, 明显快于其他运营费用的增长.
  • In 2014, the median burden (health insurance premium payments as a share of all expenses) was 2.3%. 2017年，平均负担增加到2.9%，增长了约0%.每年增长20个百分点.
  • Small business owners who maintain health insurance are left with a decreasing share of funds to spend on their business or use to support their families.

• The growth rate of health insurance premiums experienced by individual firms has slowed since 2014.
  • The median within-firm growth rate of health insurance premiums slowed from about 10 percent in 2014 to about 7 percent in 2017.
• Nonemployer 企业 for whom health insurance premiums are most burdensome are exiting the health insurance market.
  • 样本中有42%的公司的医疗保险支付额为6.2016年4月，5%或更多的支出在一年后不再存在于样本中.
  • Firms with high HIPP burdens were more likely to leave the sample the following year – as opposed to firms with lower HIPP burdens – most commonly because they discontinued HIPP payments.
  • 我们不了解小企业停止支付HIPP的原因, 但如果他们完全停止支付医疗保险, their 企业 and households may be especially vulnerable to shocks due to large and unexpected health care expenditures.
  • We found no evidence suggesting that small business owners were going out of business because of high HIPP burden.

• Nonemployer small business health insurance premium payment levels and burden varied widely within metropolitan area and industry.
  • HIPP水平的中位数在不同的商业地点并不一致, 或商业运作的行业.
  • 大都市地区的保费支付也随时间而变化, 除了保费支付负担的差异.
  • HIPP中位数水平与行业负担之间没有明确的关系.

   

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