Employer-Sponsored Health Insurance trends

"Employer-Sponsored Health Insurance -- Riding the Health Care Tiger," New England Journal of Medicine:

According to Blumenthal, one of the main strategies used by employers and insurers to address cost and quality concerns is shifting costs to employees by reducing benefits or dropping health insurance entirely. He says the other main strategy is to make larger reforms to the health care system by supporting consumer-directed care, pay-for-performance programs, disease-management efforts, wellness programs and other initiatives. Blumenthal predicts that the percentage of U.S. employers offering health insurance will fall below 50% in the next 20 years, while the role of government in insuring U.S. residents will increase "incrementally".