Email questions to

PUBLICATIONS > Working Papers > Comparing Costs of Delivering Medical Benefits: Group Health and Workers’s Compensation

Comparing Costs of Delivering Medical Benefits: Group Health and Workers’s Compensation
A principle goal of healthcare reform is extending coverage to the currently uninsured. A major challenge is covering the cost of extending coverage to the currently uninsured. Using detailed data on California workers’ compensation insurance we calculate that the administrative overhead accounts for 50% to 60% of premiums. Integrating occupational medical care into the more efficient group health model would reduce administration to approximately 12% to 13%. We extend these findings to the US and estimate that the 10-year (2011- 2020) savings of integrating coverage would be between $490 billion and $560 billion, sufficient to pay for between 26% and 78% of the incremental cost of universal coverage. The savings result from the much greater efficiency of private health insurance and the one time savings that result from moving from the upfront payment of future liabilities characterizing property & casualty insurance to the pay-as-you-go model of health insurance. For political and practical reasons we acknowledge that integration will likely only be accomplished if near universal health insurance coverage and integration are both part of a legislative package.

Publication file


related publications

''Pencils Down!'' The Negative Effect of Welfare Reform on Opportunities for Higher Education
Health Status, Health Insurance, and Worker Mobility: a Study of Job Lock in California
The Poverty Research Programs of UC DATA
Recommendations for Research Priorities and Data Sources for Monitoring and Evaluating Welfare Reform
California Work Pays Demonstration Project, A Process Evaluation Phase IV: 1996
An Inventory of Research Uses of Administrative Data in Social Services Programs in the United States 1998
California's Immigrant Households and Public-Assistance Participation in the 1990s
Seasonal Employment Dynamics and Welfare Use in Agricultural and Rural California Counties
Latina/Latino Public Opinion Data Book
Animated Maps for USA: A Century of Difference
Supplementary Materials: A Century of Difference
Unchurched Believers:Fewer Americans Have a Religion But Religious Beliefs Haven’t Changed Much
Data From the Census Bureau
Survey Documentation and Analysis (SDA)
The General Social Survey, 1972-2010
Census 2010: Redistricting Data and Beyond
Census 2010: Data Tools and Resources
Census 2010: Census Geographies
Census 2010: Issues in Data Across Time and Space
Census Data for Researchers
Foreclosure Data
Data and Statistics from International Governmental Organizations
National Longitudinal Study of Adolescent Health
GIS/Geoportal Services
Access to Data Collected by the Census Bureau
APLIC: Tools We Use: Survey Documentation & Analysis (SDA)
2009/10/26 14:07:32