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Fall 2008

ISSN 0890-913X

Volume 24, Number 1

Categories: Entrepreneurship | Fall 2008

Small Firm Size and Health Insurance: A Private Enterprise Perspective

Richard J. Cebula, Jacksonville University

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TheJournalofPrivateEnterprise24(1),2008,51-77SmallFirmSizeandHealthInsurance:APrivateEnterprisePerspectiveRichardJ.Cebula*ArmstrongAtlanticStateUniversityAbstractThisstudyhastwoobjectives.First,itproffersandthenempiricallyinvestigateswhatisbeingidentifiedasthe“smallfirmhypothesis,”i.e.,ahypothesisthatthegreaterthepercentageoffirmsintheU.S.thatare“small,”thegreaterthepercentageofthepopulationthatcanbeexpectedtobewithouthealthinsurance.Thestudyadoptsthepercentageofprivatefirmswith20orfeweremployeesasthemeasure/definitionof“smallfirms.”Theempiricalanalysisadoptsstate-leveldataandfinds,aftercontrollingforavarietyofotherfactors,strongempiricalsupportforthesmallfirmhypothesis.Second,withthisasthebackdrop,thisstudyseekstocritiquepublicpoliciesintheformsof(1)mandateduniversalhealthinsurancecoverage(mandating)and(2)tax-creditincentivepoliciesintendedtoreducethepercentofthepopulationwithouthealthinsurance.Thestudythencomparessaidpoliciestoaprivateenterpriseperspectiveandfindsnocompellingevidenceofamarketfailureinthehealthinsurancemarket.Mandatingandtax-creditpoliciesarenotonlyunnecessarybutalsowouldcreatemyriadnegativeeconomiceffectsfortheeconomyandjeopardizetheprivateenterprisesystem.JELCodes:I11,I18,H62Keywords:Healthinsurance,Smallfirms,Mandatedinsurance,Taxcreditincentives,PrivateenterpriseI.IntroductionInadditiontotheextensiveattentiontheyreceiveinthemedia,healtheconomicsissues,intheirmyriaddimensions,continuetoattractincreasingattentioninthescholarlyliterature.Indeed,abroadliteratureaddressesnumerousdiverseaspectsofhealthcareinthe*Theauthorisindebtedtotheeditorofthisjournal,twoanonymousreferees,andtoGigiAlexanderandTonyBoppforhelpfulsuggestionsandcomments.51

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Title	Small Firm Size and Health Insurance: A Private Enterprise Perspective
Authors/Creators:	Richard J. Cebula, Jacksonville University
Year:	2008
Volume:	24
Number:	1
Pages:	51 - 77
Publisher:	The Association of Private Enterprise Education
ISSN:	0890-913X
Document Type:	Articles
Keywords:	Small Enterprises, Health Insurance, Tax Incentives, Credit Incentives, Private Enterprises

Citation:
Cebula, Richard J. / 2008. "Small Firm Size and Health Insurance: A Private Enterprise Perspective." The Journal of Private Enterprise, 24(1): 51-77.