Factors Impacting Employer-Sponsored Insurance Plans

1. Factors Impacting Employer-
Sponsored Insurance Plans
By: Hadley Weiler

2. Factors Impacting Employer-Sponsored Insurance
Plans
Hadley Weiler is a respected Sacramento-area professional who serves as regional vice president
of sales with BenefitMall. His firm offers coordinated human resources, payroll, benefits, and
compliance solutions. Among Hadley Weiler’s areas of extensive knowledge are employer-based
insurance strategies that reflect evolving health care mandates.

3. Factors Impacting Employer-Sponsored Insurance
Plans
An early 2018 HealthPayer Intelligence article brought attention to a nonpartisan American Health
Policy Institute report exploring a host of factors that are currently impacting the employer-
sponsored insurance market. These include significant health care inflation, with medical costs
rising twice as fast as general inflation.

4. Factors Impacting Employer-Sponsored Insurance
Plans
Another factor is the fact that most employer-sponsored plans lack eligibility when it comes to
participating in high-risk pools. At the state level, such participation helps organizations decrease
health care costs for less healthy people through sharing costs across the broader population.

5. Factors Impacting Employer-Sponsored Insurance
Plans
A final factor identified in the report that may diminish incentives to continue employer-based
insurance is the potential emergence of a single-payer system at state and federal levels. An
individual market that is stable and functioning well would generate health plans that surpass what
most employers are able to sponsor.