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| Summary | |
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| Background and Introduction | |
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| Employment-Based Health Benefits in Context | |
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| Origins and Evolution of Employment-Based Health Benefits | |
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| The Birth of Insurance for Medical Care Expenses | |
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| The Divergent Path of the United States | |
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| Early Cost Management Efforts by Insurers and Others | |
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| The Limits of Voluntary Health Benefits and Medicare and Medicaid | |
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| Federal Regulation and the Employer's Growing Role | |
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| Employment-Based Health Benefits Today | |
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| Data Sources | |
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| Who Is and Is Not Covered by Employment-Based Health Benefits? | |
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| What Types of Coverage Are Offered? | |
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| What Do Employment-Based Health Benefits Cost? | |
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| Who Bears the Risk? | |
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| What Other Health-Related Benefits Do Employers Offer? | |
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| What Does Employer Management of Health Benefits Involve? Overview and Case Study | |
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| Core Case Study | |
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| Contrasting Cases | |
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| Consequences for Employees | |
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| Consequences for Practitioners and Providers | |
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| A Note on Employers' Legal Liability for Managed Care | |
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| Risk Selection, Risk Sharing, and Policy | |
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| Factors Contributing to Risk Selection | |
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| Evidence of Risk Selection | |
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| Policy Questions | |
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| Strategies for Responding to Risk Selection and Risk Segmentation | |
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| Health Care Costs: More Questions Than Answers | |
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| Health Care Spending: Trends and Explanations | |
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| Public and Private Responses to Escalating Health Care Costs | |
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| Functioning of the Health Care Market | |
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| The Question of Value | |
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| Findings and Recommendations | |
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| Recapitulation | |
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| Features, Strengths, and Limitations of the Current System | |
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| Future Directions | |
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| A Few Comments on Practical and Technical Challenges | |
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| Agenda for Research and Evaluation | |
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| Final Thoughts | |
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| Supplementary Statement of a Committee Member | |
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| References | |
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| App. A Opinion Surveys on Employment-Based Health Benefits and Related Issues | |
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| App. B Regulation of Employment-Based Health Benefits: The Intersection of State and Federal Law | |
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| App. C Participants in Meetings Held in Conjunction with Project | |
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| App. D Biographies of Committee Members | |
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| Glossary and Acronyms | |
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| Index | |