by Ward Research in Summer 2003
Hawaii’s Prepaid Health Care
Act of 1974 has continued to be a major factor in uncertain economic
times among businesses that are trying to balance costs with employee
From the employers’ point of view, the areas of greatest
concern regarding employee benefits are health-oriented: Cost of
health insurance and the rate of annual increases, the cost of
health care in general, and the quality of service by health care
providers and health plans.
The surveys confirmed earlier focus group
findings that nearly two-thirds of Hawai`i’s employers would
not make any changes to their health insurance plans if Hawai`i’s
Prepaid Health Care Act did not exist.
Of those employers who would make changes, most would try to
decrease their costs or the number of employees covered, including
of health insurance overage completely.
It was learned that 1 in 7
residents who are self-employed and 1 in 6 part-time employees
(less than 20 hours a week) do not have
health insurance, and that approximately 1 in 13 Hawai`i workers
who are not self-employed, working part time, or covered by PHCA
do not have health insurance.
A majority of these uncovered workers
believe that every worker – regardless
of hours – should have health insurance.
Employers are not unsympathetic to the need for health insurance
for their workers. Although only 13 percent offer their part-time
workers health insurance, about half of the rest said they would
do so if the costs to them were minimal, and more than half would
help with non-financial tasks of insuring their part-time employees.
can government help them? Four in 10 employers cited “education” as
the most important government responsibility for the working uninsured.
And, a little more than half of the employers surveyed said government
financial assistance was necessary if they were to insure workers
without PHCA coverage.
For the complete results, please download