Many state policy makers are seeking ways to leverage severely limited state funds to address the pressing needs of low-income uninsured workers. IHPS identifies and assesses premium assistance strategies that afford coverage by combining public and private funds, including tax subsidies.

The Institute assists in developing hybrid coverage approaches, such as Health@Work^SM that bring together various available financing sources (existing tax subsidies and/or new tax credits, existing public program funds, modest contributions from previously non-offering employers, etc.) to make work-based coverage affordable for workers in small firms that are otherwise unlikely to offer coverage. Such approaches help develop and nurture the sense of individual and mutual responsibilities essential to coverage by and for all^SM Americans.