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Contact: Ken Jacobs
Phone: (510) 643-2621
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New Federal Health Care Law Resources »
Health Law Guides, Summaries and Tools »
Laying the Foundation for Health Care Reform: Local Initiatives to Integrate the Health Care Safety Net
May 2012, by Annette Gardner, PhD, MPH. A report of the Philip R. Lee Institute for Health Policy Studies, University of California, San Francisco, and the Center for Labor Research and Education, University of California, Berkeley.
The Patient Protection and Affordable Care Act (ACA) provides an opportunity to coordinate care among health care providers and transform local safety nets into seamless systems of care. Dr. Gardner’s study of safety net integration activities in five California counties—Contra Costa, Humboldt, San Diego, San Joaquin, and San Mateo—confirmed that these counties had already made a great deal of progress. Each county is focusing on systems-wide integration, cross-provider integration, and patient-level integration. In addition, there is evidence that many of these integration initiatives have increased coordination of care and strengthened partnerships between providers and county agencies, thereby facilitating implementation of health care reform. Though there are differences in capacity and in the resources counties bring to bear, the study nonetheless identified specific strategies and models that can be adopted by other counties, particularly in the areas of specialty care access, mental health and primary care integration, patient care coordination, and outreach and enrollment. This report describes the factors that affect the ability of a local safety net system to develop integrated delivery systems. It also discusses lessons learned from the implementation of 30 safety net integration "best practices" that can be applied to other counties.
The State of Health Insurance in California: Findings from the 2009 California Health Interview Survey
February 2012, UCLA Center on Health Policy Research
» Research Findings

This survey, published every two years with grant funding from The California Endowment and The California Wellness Foundation, uses the latest data from the
California Health Interview Survey (CHIS) to paint a comprehensive picture of health insurance trends, access, and coverage status for California's more than 37
million residents. Labor Center chair Ken Jacobs authored the chapter “Job-Based Coverage and the Individual Market.”
Achieving Equity by Building a Bridge from Eligible to Enrolled
February 2012, by Daphna Gans, Christina Kinane, Greg Watson, Dylan H. Roby, Jack Needleman, Dave Graham-Squire, Gerald F. Kominski, Ken Jacobs, David Dexter, Ellen Wu
» Policy Brief
» Press Coverage
This joint publication with the UCLA Center for Health Policy Research and the California Pan-Ethnic Health Network finds that language barriers
could deter more than 100,000 Californians from enrolling in the state's Health Benefit Exchange. The study recommendations include investing in linguistically and
culturally appropriate marketing and outreach as well as investing in primary care and workforce diversity in underserved areas, among other actions.
Newly Insured Californians Would Fall by More than 1 Million under the Affordable Care Act without the Requirement to Purchase Insurance
January 2012, by Gerald F. Kominski, Dylan H. Roby, Ken Jacobs, Greg Watson, Dave Graham-Squire, Christina M. Kinane, Daphna Gans, and Jack Needleman
» Policy Note 
» Amicus Brief from The California Endowment citing the Policy Note 
» Press Release from California Endowment
The Affordable Care Act (ACA) requirement that almost all Americans purchase some type of health insurance coverage has been controversial. This policy note examines the potential implications of eliminating the minimum coverage requirement (MCR), or "individual mandate."
Proposed Regulations Could Limit Access to Affordable Health Coverage for Workers’ Children and Family Members
December 2011, by Ken Jacobs, Dave Graham-Squire, Dylan H. Roby, Gerald F. Kominski, Christina M. Kinane, Jack Needleman, Greg Watson, and Daphna Gans
» Policy Brief 
» Press Release
» Members of Congress cite our report 
Our latest report analyzes the proposed regulations defining affordable job-based coverage under the Affordable Care Act. We find that the proposed regulations would result in 144,000 fewer Californians having access to subsidized coverage in the health insurance exchange than would be the case under an alternative interpretation of affordability.
The Promise of the Affordable Care Act, the Practical Realities of Implementation:
Maintaining Health Coverage During Life Transitions
October 2011, By Ann O’Leary, Beth Capell, Ken Jacobs, and Laurel Lucia
» Policy Brief 
Achieving the promise of the Affordable Care Act will require attention in federal regulations and actions by the new health insurance exchanges to ensure seamless coverage for those who rely on private insurance, including job-based coverage. This paper makes several policy recommendations to ensure that all Americans can maintain health coverage under the ACA—even during complicated life transitions.
Maximizing Health Care Enrollment through Seamless Coverage for Families in Transition: Current Trends and Policy Implications
March 2011, By Ken Jacobs, Laurel Lucia, Ann O’Leary and Ann Marie Marciarille
» Policy Brief 
This policy brief reviews the literature on the prevalence of uninsurance caused by work or life transitions, including loss of or change in a job, a reduction in work hours, divorce or legal separation, loss of dependent status, a disability or the death of a family member. The brief also provides initial recommendations for state and federal policymakers on how best to ensure seamless health coverage under the Affordable Care Act for individuals and families who lose health insurance because of a work or life transition.
Eligibility for Medi-Cal and the Health Insurance Exchange in California under the Affordable Care Act
August 2010, By Ken Jacobs, Laurel Lucia and Dave Graham-Squire
» Issue Brief 
This issue brief analyzes the impact that the federal health reform law will have on California. More than 4 million Californians who are without health insurance, covered in the individual market or enrolled in unaffordable job-based coverage, will be eligible for Medicaid or subsidized coverage under the law. A significant segment of the private insurance market, between 3 and 8 million Californians, will be eligible to purchase subsidized or unsubsidized coverage in the exchange.
Federal Health Reform: Impact on California Small Businesses, Their Employees and the Self-Employed
June 2010, By Laurel Lucia, Ken Jacobs and Dave Graham-Squire
» Issue Brief 
This issue brief examines the impact that the health reform law will have on California small businesses, their employees and the self-employed. The law will make it more affordable for California small businesses to offer coverage by reducing administrative costs for small group health plans and offering $4.4 billion in health insurance tax credits over ten years. More than 1.6 million small business employees and self-employed Californians who lack affordable employer-based coverage will be eligible to enroll in Medicaid or purchase subsidized insurance in the non-group market. Small businesses with fewer than 50 full-time equivalent employees will be exempt from the proposed employer responsibilities and most California small businesses offering coverage will be minimally affected by the proposed health plan standards as they already offer qualifying health plans.
The President's Health Reform Proposal: Impact on Access and Affordability in California
February 2010, By Ken Jacobs, Laurel Tan, Dave Graham-Squire, Jon Gabel and Roland McDevitt
» Data Brief 
» Press Release
This data brief, released jointly with the National Opinion Research Center (NORC) at the University of Chicago and Towers Watson, analyzes the impact that the President’s health reform proposal would have on California. Nearly 4 million Californians who are without health insurance, covered in the individual market or enrolled in unaffordable job-based coverage, would be eligible for Medicaid or subsidized coverage under the proposal. The proposal would also result in significant premium and out-of-pocket savings for low- and moderate-income families purchasing coverage in the exchange compared to costs in the current individual market.
Who Benefits from the Proposed Amendment to the Senate Excise Tax on Employer Health Premiums?
February 2010, By Ken Jacobs, William H. Dow, Dave Graham-Squire and Laurel Tan
» Issue Brief 
» Press Release
» Article in Washington Post
This report examines the impact that the proposed Senate excise tax on high-cost employer health plans would have on union and non-union workers. The report finds that the vast majority of workers that would be affected by a tax on health benefits that cost more than a certain threshold are not covered by a union contract. Non-union workers would receive a much larger share of the savings from the reduced excise tax that was negotiated between the White House and labor leaders in January.
How would the Senate health bill affect U.S. workers employed at or near part-time?
January 2010, by Dave Graham-Squire
» Data Brief 
Under current language of the Senate's health bill, firms are not required to provide coverage for part-time employees (defined as those working fewer than 30 hours a week). This may put workers who work just over 30 hours a week at risk for reduced hours by employers wishing to avoid penalties. In all, 28 percent of U.S. workers are employed at or near "part-time." This brief also looks at the distribution of hours worked by industry and the prevalence of job-based coverage for full- and part-time employees.
National Health Reform Requirements and California Employers
December 2009, by Jon Gabel, Ken Jacobs, Laurel Tan, Roland McDevitt, Jeremy Pickreign, and Shova KC
» Issue Brief 
This issue brief, released jointly with the National Opinion Research Center
(NORC) at the University of Chicago and Watson Wyatt Worldwide, analyzes the
impact that the House and Senate health reform proposals would have on the
18.4 million Californians who are enrolled in employer-based insurance.
While the vast majority of employees work for firms that currently comply
with most of the new requirements for employer-based insurance included in
the bills, reform legislation, if passed, would increase protection for many
insured workers and their families in California.
How Would Health Care Reforms Change the Spending of California Families Without an Employer Plan?
December 2009, by Ken Jacobs, Laurel Tan, Roland McDevitt, Jon Gabel and Ryan Lore
» Research Brief 
This paper examines health care spending for the estimated two million Californians who would qualify for subsidies under the proposed insurance exchanges in the House and Senate health reform bills. Accounting for premiums and average out of pocket costs, both bills would result in significant savings for low- and moderate-income families compared to costs in the current individual market. The House bill would result in lower spending than the Senate bill for the lowest-income individuals and families, especially those with high health care use.
Californians' Access to Coverage under the Health Reform Proposals
December 2009, by Ken Jacobs and Dave Graham-Squire
» Data Brief 
This data brief finds that nearly 4 million Californians who are without health insurance, covered in the individual market or enrolled in unaffordable job-based coverage, would be eligible for Medicaid or subsidized coverage under the national health reform proposals. The brief analyzes both the House and Senate legislation to compare how they differ in their impacts on Californians.
Addressing California's Health Coverage Gaps: The Impact of National Health Care Reform
November 2009, by Annette Gardner, Melissa Rodgers, and Ken Jacobs
» Policy Brief 
This report, released jointly with the UC Berkeley Center for Health
Economic and Family Security, discusses the gaps in health coverage in
California, how well the House and the Senate proposals would succeed in
filling those gaps, and effects on California's safety net system.
Comparing the Employer Requirements in the Congressional Health Proposals
October 2009, by Ken Jacobs
» Report 
The Impact of San Francisco's Employer Health Spending Requirement: Initial Findings from the Labor and Product Markets
August 2009, by Arindrajit Dube, William H. Dow, and Carrie Hoverman Colla
» Report 
How to Structure a "Play-or-Pay" Requirement on Employers: Lessons from California for National Health Reform
June 2009, by Ken Jacobs and Jacob Hacker
» Report 
» Press Coverage
This report analyzes three notable California health-care reform proposals and uses lessons learned in California to detail how "play-or-pay" requirements on employers could be structured in a national health-care reform plan. The report was jointly written with the Berkeley Center on Health, Economic & Family Security (Berkeley CHEFS).
No Recovery in Sight: Health Coverage for Working-Age Adults in the United States and California
April 2009, by Ken Jacobs and David Graham-Squire
» Report 
» Press Release
» Press Coverage
This policy brief predicts the change in health-coverage rates and sources of coverage by the end of President Obama’s first term in office. It also analyses health-care trends from 2000 to 2007, and looks at the impact that increasing unemployment during the current economic recession has had on health-coverage rates.
A Tale of Two Tiers: Dividing Workers in the Age of Neoliberalism
February 2009, by Ken Jacobs
» Full Report 
This article explores the history of two-tier contracts, examines how the labor movement has responded, and discusses what unions can do to address the challenges that two-tier contracts pose.
First Dollar Coverage for Chronic Disease Care: Can it Save Money and Improve Patient Outcomes?
September 2008, by Korey Capozza
» Full Report 
This policy brief analyzes the potential impact of reducing or eliminating patient cost-sharing for chronic disease medications as a means to improve patient outcomes and reign in health care costs.
Labor Day 2008: Recession or not, a downturn for working families.
A briefing on jobs, wages and healthcare
August 2008, by Sylvia Allegretto, Arindrajit Dube, Dave Graham-Squire and Ken Jacobs
» Report 
» Press Coverage
The Labor Center's annual briefing on California and national wage,
employment and union trends.
A Health Impact Assessment of the California Healthy Families, Healthy Workplaces Act of 2008
July 2008, by Human Impact Partners and researchers at the San Francisco Department of Health (UC Berkeley Center for Labor Research and Education contributed)
» Report Summary 
» Full Report 
A research report showing that the proposed California paid sick days legislation will have significant positive public health impacts.
The Public Health Impacts of AB 2716
May 2008, by Korey Capozza
» Full Report 
This study analyzes the potential public health impact of AB 2716, a bill that would extend paid sick days to all workers in California. It finds that AB 2716 will likely have a positive impact on public health, potentially reducing the transmission of illnesses such as seasonal influenza and norovirus.
Secure and Affordable Health Care Act of 2008: Impact on Payroll Costs in California
January 2008, by Ken Jacobs and Dave Graham-Squire
» Data Brief 
This report analyzes what California employers' health care contributions would be under the proposed Secure and Affordable Health Care Act of 2008.
Modeling Employer Participation in Adult Healthcare Coverage Expansion in San Mateo County
October 2007, by Ken Jacobs and Lucas Ronconi, for the San Mateo County Blue Ribbon Task Force on Adult Health Coverage Expansion.
» Report 
» Powerpoint Presentation 
Report for the San Mateo County Blue Ribbon Task Force on Adult Health Coverage Expansion; assesses options for employer participation in a new county health care access expansion program and analyzes the potential for generating revenue for the program.
Health Coverage Expansion in California: What Can Consumers Afford to Spend?
September 2007, by Ken Jacobs, Korey Capozza, Dylan H. Roby, Gerald F. Kominski and E.
Richard Brown
» Research Brief 
» Appendix: Methodology 
» Press Coverage
Report analyzes what families are currently spending on health care in California, and finds that health care represents a significant expense for families with incomes less than 300% of the federal poverty line. The authors recommend that any health care reform policy adopted in California include adequate affordability protections for those families.
Impact of Health Benefit Reductions in the Unionized Grocery Sector in California
August 2007, by Arindrajit Dube and Ken Jacobs
» Preliminary Findings 
» Powerpoint Presentation 
» Press Coverage
Analyzes the impact of changes in grocery worker labor contracts on healthcare coverage and utilization.
Small Raise: Jobs, Wages and Healthcare in 2007
August 2007, by Arindrajit Dube, Ken Jacobs and Dave Graham-Squire
» Powerpoint Presentation 
» Press Coverage
The Labor Center's annual briefing on California and national wage, employment and union trends.
Health Coverage Proposals in California: Impact on Businesses
July 2007, by Ken Jacobs, Lucas Ronconi and Dave Graham-Squire
» Research Brief 
» Press Release 
» Press Coverage
This study analyzes the potential economic impact of two of the main health care reform proposals under consideration in California, Governor Schwarzenegger’s health care reform proposal and Assembly Bill 8. Both proposals include provisions requiring employers to spend a minimum percentage of their payroll on employee health care or pay an en lieu fee to the state. The study finds that neither the Governor’s plan nor AB 8 will result in job losses in California, which has been a key argument of CA health care reform opponents. It forecasts that most firms will experience little or no net change in business operating costs after a short adjustment period.
Testimony for the Governor's Public Employee Post-Employment Benefits Commission
May 2007, by Ken Jacobs
» Testimony

Testimony about cost trends in retiree health benefits, how private sector employers are
responding to those trends, and the implications for the public. Includes a discussion
of steps that could be taken in the current health policy reform debates to control health premium
inflation.
California Healthcare: Firm Spending and Worker Coverage
March 2007, by Dave Graham-Squire, Ken Jacobs and Arindrajit Dube
» Research Brief 
» Waiting Periods for Employer Sponsored Insurance 
» Offer, Eligibility and Coverage by Industry 
Research Brief discusses implications of the major new health reform proposals in California, which include fees for employers who spend less than a specified amount of total payroll on healthcare. In order to understand the impacts of these policies, it is important to look at the current patterns of healthcare spending as a percent of payroll in California. Of particular interest are those workers without any health coverage and the healthcare spending patterns of their employers. The data describe the amount California employers spend on healthcare as a percent of total employee payroll.
Declining Health Coverage in the Southern California Grocery Industry
January 2007, by Ken Jacobs, Arindrajit Dube and Felix Su
» Summary Findings 
» Powerpoint Presentation 
» Press Coverage
These summary findings assess the effects of a new contract for grocery workers in Southern California in March 2004 that significantly restructured health insurance coverage. The research draws on United Food and Commercial Workers (UFCW) actuarial and membership data and union survey responses to document the impact of benefits changes on health coverage and utilization in both Southern and Northern California. It concludes that the contract changes have dramatically reduced health coverage in the grocery industry in the Southern half of the state, diminished the rate of health care utilization, and exacerbated the annual turnover rate for grocery workers in Los Angeles.
Establishing a San Francisco Taxi Driver Health Care Coverage Plan
March 2006, by Rhonda Evans, Jabril Bensedrine, Ken Jacobs and Carol Zabin (for the City & County of San Francisco, Department of Public Health)
» Report 
This report was written for the San Francisco Department of Public Health and explores options for expanding health care coverage to the city’s taxi drivers. It lays out different options for stakeholders’ participation in funding and implementing a health care program, and compares the pros and cons of several alternative plans.
Declining Job-Based Health Coverage in the United States and California: A Crisis for Working Families
January 2006, by Arindrajit Dube, Ken Jacobs, Sarah Muller, Bob Brownstein and Phaedra Ellis-Lamkins
» Report 
Due in large part to skyrocketing premiums, job-based health coverage—a cornerstone of our health care system—has eroded over the past five years. For every 10% increase in premiums costs, 1.4 million fewer working family members receive job-based insurance. Most adults losing such coverage become uninsured, while most children move to public coverage. This report both documents and forecasts trends in job-based health care coverage that will be of interest to policy makers, health care analysts, and concerned citizens in California and nationally.
Internal Wal-Mart Memo Validates Findings of UC Berkeley Study
October 2005, by Arindrajit Dube, Ken Jacobs and Steve Wertheim
» Research Brief
The Labor Center’s report, The Hidden Cost of Wal-Mart Jobs, found that Wal-Mart workers disproportionately rely on taxpayer funded public health programs in California compared to workers in large retail as a whole. An internal Wal-Mart memo reported on in The New York Times provides data from Wal-Mart validates the basic findings of that UC Berkeley report. This research note highlights this confirming evidence, focusing on workers’ and dependent children’s health coverage.
Kids at Risk: Declining Employer-Based
Health Coverage in California and the United States
August 2005, by Arindrajit Dube, Ken Jacobs, Sarah Muller, Bob Brownstein and Phaedra Ellis-Lamkins
» Policy Brief
» Press Coverage
This report focuses on children’s healthcare coverage status, scrutinizing recent trends and modeling future patterns. The authors determine the indirect effects of skyrocketing premiums on children’s coverage status, breaking apart the results by income levels. The study then simulates trends through 2010, finding an increase in the number of uninsured children in both California and nationally. The authors close with the policy implications of their findings.
Falling Apart: Declining Job-Based
Health Coverage for Working Families in California and the United
States
June 2005, by Arindrajit Dube, Ken Jacobs, Sarah Muller, Bob Brownstein and Phaedra Ellis-Lamkins
» Policy Brief
» Appendix: Methodology 
» Powerpoint Presentation: Summary 
» Powerpoint Presentation: National Trends & Projections 
» Press Release
» Press Coverage
This policy brief focuses on state and national patterns in healthcare coverage of non-elderly working adults. The authors model the effects of increasing premium costs on health coverage status, and forecast a significant decrease in job-based coverage along with a sizeable increase in the number of uninsured working adults state and nationwide.
Hidden Cost of Wal-Mart Jobs: Use of Safety Net Programs by Wal-Mart Workers in California
August 2004, by Arindrajit Dube and Ken Jacobs
» Briefing Paper 
» Authors' Response to Wal-Mart's Statements 
» Press Coverage
This widely publicized report finds Wal-Mart’s wage and health benefits packages for its California workers to be below average as compared to the overall retail sector in California. The authors also find a greater reliance upon public assistance programs among Wal-Mart workers as compared to other California retail workers. Finally, the authors estimate the additional costs to taxpayers of “Wal-Martization”—the adoption of Wal-Mart’s wage and health benefits standards by retailers throughout California.
Wage and Health Benefit Restructuring in California's
Grocery Industry: Public Costs and Policy Implications
July 2004, by Arindarjit Dube and Alex Lantsberg
» Report 
» Summary 
This study analyzes the 2004 labor agreement between southern California grocers and employees, and examines the implications for grocery workers statewide as well. The authors predict that the agreement will result in the loss of employer-sponsored health insurance for one-third to one-half of the sector’s employees. The ensuing shift to public health care plans and emergency room care will translate to greatly increased costs to taxpayers, effectively transferring the burden from employers to the public. The authors conclude with policy solutions to this looming problem.
Workforce Needs in California’s Homecare System
May 2004, by Eileen Boris, Gawon Chung, Linda Delp, Ruth Matthias and Carol Zabin
» Briefing Paper
This briefing paper summarizes the substantial advantages of California’s In-Home Supportive Services (IHSS) program, and argues for the continuation of the program in the face of potential budget cuts. The authors document the higher costs to the state of nursing home care compared to home care, and outline the positive effects of workers’ higher wages and benefits on worker recruitment/labor supply, worker turnover, the quality of care, and lowered public costs.
The Hidden Public Costs of Low-Wage Jobs in California
November 2004, by Carol Zabin, Arindrajit Dube and Ken Jacobs, The State of California Labor 2004, University of California Institute for Labor and Employment.
» Report
» Report Summary 
» Press Coverage
This report highlights the considerable number of working families in California’s public assistance programs, providing demographic and employment profiles of the families. The authors simulate various policy changes—including wage floors and universal employer-sponsored health insurance—and calculate the reductions in public assistance program costs flowing from the decreased reliance upon the programs. Finally, the authors survey policies and economic development strategies designed to alleviate the problem of low-wage employment.
2003 California Establishment Survey: Preliminary Results on Employer Based Healthcare Reform
September 2003, by Arindrajit Dube and Michael Reich
» Research Brief
Early findings from a survey of California firms’ opinions on then-proposed Senate Bill 2, which would have created employer-sponsored health insurance for all state firms with more than twenty employees. The survey results demonstrate that a majority of firms were in favor of the bill, and the authors calculate the number of businesses covered by the proposed law. The authors then calculate the cost of SB 2 to the average covered firm.
Impact of SB2 on Health Coverage
September 2003, by Arindrajit Dube
» Research Brief
An examination of the effects of the 2003 Senate Bill 2, which, had it been enacted, would have required employers in California to either provide health coverage to their workers or pay a fee to the state for that purpose. This brief forecast possible impacts, including the number of uninsured Californians to gain health coverage under the law and how variously-sized businesses would have been affected.
Productivity Impact of Health Care Reform in California
August 2003, by Arindrajit Dube
» Research Brief 
» Executive Summary
This study examines the impact that providing health care insurance to currently uninsured California working-age adults would have for the state economy as a whole. The author quantifies productivity gains yielded from the elimination of “job lock” – a phenomenon whereby workers stay at jobs only because of the health benefits. The study also estimates the economic impact of labor force participation for individuals who are currently too unhealthy to work, but would be enabled to do so if they had health care coverage.
Working Family Members on Medi-Cal: Enrollment and Cost by Industry and Size of Employers
August 2003, by Arindrajit Dube
» Research Brief
This research brief calculates the number of people enrolled in Medi-Cal who are also members of working families. The report also calculates the costs to the state of working-family member enrollment in Medi-Cal, and identifies the industries whose employees are disproportionately represented in the Medi-Cal system.
Paid Family Leave in California: An Analysis of Costs and Benefits
June 2002, by Arindrajit Dube and Ethan Kaplan
» Report
A cost-benefit analysis of 2002’s Senate Bill 1661, which extended California’s paid leave laws to include care for family members. The report begins with a survey of existing research on paid family leave legislation, and then provides an estimation of the costs of SB 1661 implementation, both for employers and employees. The authors conclude with an analysis of the benefits, including intangible health benefits, and the potential cost savings to employers and state government.
The California Healthcare Crisis: Impact on California Economy and Budget
2002, by Arindrajit Dube
» Powerpoint Presentation 
A slide-show presentation of facts documenting the negative fiscal impacts to the State of California of the current state healthcare system.
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