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NOTICE: The project that is the subject of this report was approved by the Governing Board of the National Research Council, whose members are drawn from the councils of the National Academy of Sciences, the National Academy of Engineering, and the Institute of Medicine. The members of the committee responsible for the report were chosen for their special competences and with regard for appropriate balance.

This report has been reviewed by a group other than the authors according to procedures approved by a Report Review Committee consisting of members of the National Academy of Sciences, the National Academy of Engineering, and the Institute of Medicine.

The Institute of Medicine was chartered in 1970 by the National Academy of Sciences to enlist distinguished members of the appropriate professions in the examination of policy matters pertaining to the health of the public. In this, the Institute acts under both the Academy’s 1863 congressional charter responsibility to be an adviser to the federal government and its own initiative in identifying issues of medical care, research, and education.

Support for this project was provided by the Agency for Health Care Policy and Research, U.S. Department of Health and Human Services, under Contract No. 282-91-0020. The views presented are those of the Institute of Medicine Committee on Employer-Based Health Benefits and are not necessarily those of the funding organization.

Library of Congress Cataloging-in-Publication Data

Institute of Medicine (U.S.). Committee on Employer-Based Health Benefits.

Employment and health benefits : a connection at risk / Committee on Employer-Based Health Benefits, Division of Health Care Services, Institute of Medicine ; Marilyn J. Field and Harold T. Shapiro, editors.

p. cm.

Includes bibliographical references and index.

ISBN 0-309-04827-3

1. Insurance, Health—United States. 2. Voluntary employees’ beneficiary associations—United States. I. Field, Marilyn J. (Marilyn Jane) II. Shapiro, Harold T., 1935- . III. Title.

HG9396.I57 1993

331.25’5—dc20 92-42468

CIP

Copyright 1993 by the National Academy of Sciences. All rights reserved.

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The serpent has been a symbol of long life, healing, and knowledge among almost all cultures and religions since the beginning of recorded history. The image adopted as a logo-type by the Institute of Medicine is based on a relief carving from ancient Greece, now held by the Staatlichemuseen in Berlin.

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