Document Type


Publication Date

Spring 4-1-2009


This article describes an experiential exercise suitable for undergraduate or master’s-level students. The goals of the exercise are for students to correctly apply health insurance concepts such as premium, deductible, co-pay, and coinsurance; to understand and explain the dilemma facing organizations in an environment of increasing health care costs and limited compensation budgets; to discern and apply the concerns of employees with varying demographic profiles to health care cost sharing; and to develop competency in calculating health care costs at the organizational level. Students receive a scenario in which they act as an employee representative and are asked to provide input on their company’s total compensation decisions. The issues include wages versus health care costs, degree of health care cost sharing, and type of health care plan—all in the context of budget constraints.


Published as:

Dose, J. J. (2009). Difficult choices in total compensation: Balancing health care costs and wage increases. Journal of Human Resource Education, 3(2), 11-19.