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Employer Insurance Contributions Declining, Raises Tough Questions for Employees
Written by David Norman
Thursday, 24 September 2009 18:05
It should come as no surprise that the frantic behavior on Capitol Hill on health care points to looming issues and big changes in the realm of health insurance. More and more statistics are pointing towards the rising costs of health care, and how even average Americans with existing employer-sponsored packages are being impacted.
The Milliman Medical Index reports that in 2008, employees paid 24% of their health care coverage through regular contributions and 17% in staggering out-of-pocket expenses, totaling 41%. Even worse, the report predicts that in 2009, employees will have paid 15% more than that in premiums and deductibles and 5% more in out-of-pocket expenses[1].
Fears tied to these facts rise for both employees and employers alike. The Centers for Disease Control and Prevention report that only 65% of nonelderly Americans had private health insurance in 2008 – a two point drop from 2007. That compares to just about two decades ago when 80% were covered under private insurance – and should costs rise as expected in the coming few years, some are predicting that number to continue to freefall[2].
For many employees, paying even higher costs for health care is too great a burden. Some worry that should the current health care system be allowed to continue, more and more Americans will drop coverage completely to balance costs, but even if they don’t, major life changes will have to occur. Many have already stopped taking medication or going to regular doctor’s visits because of high costs, which could be just as dangerous. Whether the system completely plummets or maintains this steady decline, the future would be a sick, weak working population.
Many employers see few options besides cutting benefits and raising employee contributions in order for businesses to stay alive. However, some are beginning to invest in their employees’ health as a means of cutting costs. Many companies offer lowered premiums for employees who participate in wellness activities like regular exercise or groups to quit smoking, as well as having regular risk assessments and disease screenings[3]. The hope is that if employees can stay healthier overall and catch illnesses earlier, costs will be lowered. The same idea is present in Senator Max Baucus’s overhaul bill.
Beyond added programs, the competition to private insurance agencies and coverage for the uninsured, the current health care overhaul bills offer piece of mind to those already with insurance. Even if costs stay the same with a government program, the health exchange would inform consumers on all options, allowing all to find programs suited to their needs. It is also possible that health care costs could turn for the worse, in which case a government option would provide a landing net for those in need. But even not considering the benefits of a government option, consumers must recognize that things are not all well with health care, even for those with coverage, and change is already happening.
[1] Masterson, Les. "Health Plans: At the Tipping Point?" Health Leaders Media. 22 Sept. 2009. Web. 24 Sept. 2009. .
[2] Ibid.
[3] Ibid.
Last Updated on Monday, 05 July 2010 16:08