The impact that various state regulatory reforms have had on employer sponsored insurance (ESI) in small firms is examined -- more specifically, the impact on coverage to high-risk workers.High-risk workers are those with chronic health conditions such as arthritis, diabetes, and heart disease....

Poor health habits (drinking, smoking, lack of exercise) obviously take their toll on individuals and their families. The costs to society are less obvious but certainly more far-reaching. This investigation is the first to quantify the financial burden these detrimental habits place on American...