Accession Number : ADA260638


Title :   Multiple Employer Welfare Arrangements


Descriptive Note : Research rept.


Corporate Author : RAND CORP SANTA MONICA CA


Personal Author(s) : Leibowitz, Arleen ; Damberg, Cheryl ; Eyre, Kathleen


Full Text : https://apps.dtic.mil/dtic/tr/fulltext/u2/a260638.pdf


Report Date : Jan 1992


Pagination or Media Count : 59


Abstract : Multiple employer welfare arrangements (MEWAs) provide health benefits to employees of two or more firms at lower cost than that of conventional insurers. MEWAs are designed to give small firms access to health coverage on terms similar to those available to large firms by avoiding costly state regulation of insurance. Although MEWAs have been touted as a low cost, equitable source of health coverage for small firms, in recent years they have become widely known to create insolvencies that have left numerous employers and employees liable for millions of dollars in unpaid health claims. To better understand MEWAs' place in the health insurance market, this report analyzes the dynamics of the small group insurance market, describes the alternative forms of MEWAs, and summarizes state regulation of MEWAs.


Descriptors :   *COMMERCE , *LOW COSTS , *INSURANCE , *STATE LAW , *REGULATIONS , *HEALTH , FAILURE , RISK ANALYSIS , BARRIERS , BENEFITS , LABOR UNIONS , FEDERAL LAW , LOSSES


Subject Categories : Economics and Cost Analysis
      Personnel Management and Labor Relations
      Medicine and Medical Research


Distribution Statement : APPROVED FOR PUBLIC RELEASE