A recent report from Morgan Health reveals significant disparities in access and outcomes within employer-sponsored health insurance, despite substantial investments by employers. The study, based on 2021 national survey data, highlights stark differences across income levels, sexual orientation, and racial and ethnic groups.
Lower-income individuals with employer coverage were found to have less access to regular care, higher emergency department usage, and a greater healthcare cost burden. They were also less likely to receive preventive care.
The report uncovered notable mental health disparities, with lesbian, gay, and bisexual (LGB) individuals experiencing higher rates of psychological distress compared to their straight counterparts. However, LGB individuals were more likely to seek mental health treatment.
Racial and ethnic disparities were evident in various aspects of healthcare. While Black, Hispanic, and Asian individuals reported better overall mental health than White individuals, Asian people with depression were significantly less likely to receive treatment. The study also found differences in preventive care utilization and financial barriers to care among racial groups.
Maternal health disparities were particularly concerning, with Black and Hispanic mothers having higher rates of cesarean sections, especially for low-risk pregnancies.
Dan Mendelson, CEO of Morgan Health, emphasized employers’ responsibility in addressing these gaps. “Employers have a responsibility to understand the nature of the gaps that exist in the marketplace and to work actively to fix them,” he said.
The report recommends several strategies for employers to improve health equity, including tailored incentives for preventive care, culturally specific services, and publishing quality scores for in-network providers.
See “Stark Disparities” Exist in Employer-Sponsored Insurance” (February 5, 2024)
