Less than 15 percent of the currently uninsured are offeredemployer health insurance, but this literature nonetheless pro-vides a useful benchmark for the question we investigate as wellas highlights some econometric issues we try to overcome.4Ingeneral, existing work examines either firm-level data and esti-mates the share of workers who take up insurance as a function ofthe premium prices of the plans a firm offers, or individual-leveldata and estimates take-up decisions as a function of reported orimputed premium prices. These studies have tended to find elas-ticities between zero and −0.1.