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Jump in the expense of firm-based benefits on per-employee basis is lowest since 1999. By Jeff Swiatek. The cost of health care benefits slowed for a second consecutive year in 2004 in part because employees
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Sept. 9, 2004 -- Employee-sponsored health insurance premiums rose an average of 11.2% between spring 2003 and spring 2004, now averaging just under $10,000 per year for the average worker with a family of
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Employer-sponsored health insurance premiums rose 11.2 percent this year, registering the fourth consecutive double-digit annual increase and pushing the cost of family coverage under the most common type of plan past $10,000, according to a new survey.
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Yesterday's piece on health care and the presidential election got a great response, and some of it from Republicans, using the slogans and logic I hoped they wouldn't. But that's okay, it helps me focus my rhetoric on the precise point of disagreement, and hopefully by illuminating it, I can either convince some of the Republicans to come over to my side, or help eliminate some of the confusion on both sides. Or maybe it'll just keep the argument from slopping over into all kinds of irrelevant issues. The basic Republican argument goes like this. Why should I pay for the health needs of people who are so irresponsible as to not have health insurance.  If I got it wrong, please set me straight. Now I'd like to answer this, very carefully. The Democrats aren't proposing that you should pay for the uninsured. Key point. They either agree with you, or know that they're not going to get their proposal passed unless they take this into account. The Obama plan says you don't get care unless you have insurance. His proposal aims to get a lot more people insured. Clinton goes one step further, by requiring everyone to have health insurance.  Also, you already pay for the health needs of the uninsured. Whether you or I like it, we don't look the other way when someone is in need. You may feel the system should work differently, but that's not responsive to the proposal the Democrats are making. The debate is how health care works for the non-indigent.  If you have property, a car, a house, or if your kids go to private school or college, or if you want to take a vacation, or have a baby, or exercise between jobs, getting sick without insurance is a sure way to go from being middle class to being poor, quickly. This is why we have health insurance, to smoothe out the risk, to protect our family's lifestyle. It seems to me it's a good thing. It's the market solving a basic human need.  So this is what we should be discussing, how can we get insurance for all the people who want it, or should we require it for everyone -- this is the debate of 2008. This is what the Democrats are putting on the table, and what McCain, or whoever is the Republican nominee, will have to respond to, if we're going to have the respectful debate everyone is talking about having.  Why is this such a problem?  A lot of people, even healthy people without pre-existing conditions, can't get health insurance. And what if you have a pre-existing condition? Do you really think it's cool for the insurance industry to refuse them coverage? Why is that a good thing? I honestly don't get it. Consider the penalty for not having insurance. (See above.) So far the leaders of the Republican Party have managed to keep health care off the national agenda, but this year, it's there. If you doubt me, just ask a few people you know, and don't just ask poor people or Democrats, ask Republicans. Disease isn't a party issue, and while poor people tend to have poorer health, even well-off people need health care. And most people can't afford to pay for a catastrophic illness, and enough of them can't get health insurance to make this an important national issue. If you disagree with this, please let me know why. PS: Phil Windley asks where it stops. Should we provide free housing for the homeless? And what about free cable TV for people without cable TV? (He provides other examples.) No, this is only about health insurance. It's not about any of the other things mentioned in Phil's post.
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Let the patient beware. Going outside your insurerâs network of preferred doctors or hospitals could be more hazardous to your financial health than you suspected.
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When millions of American workers sign up for annual company benefits this fall, many will be given an option for a dramatically different kind of health care package known as a health savings account, or HSA.
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LOS ANGELES, Dec. 21 -- The universal health insurance package that one chamber of California's legislature passed this week looks a lot like the one Massachusetts not only passed but put in place a year earlier: Every resident will be required to have insurance, every employer must pitch in, and...
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Few Employers Say They Will Drop Coverage In 2006 When Medicare Drug Law Is Implemented - As businesses struggle to control rising retiree health costs, they are asking their retirees to pay more and plan to do so again in 2005, according to a new survey
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NEW YORK -- People with employer-sponsored health coverage choose to enroll in traditional plans over consumer directed products, which have been touted as a way to lower health care costs, according to a survey released Friday.
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SEATTLE -- Seeking better health insurance coverage for themselves, workers at one of the nation&#39;s oldest health maintenance organizations are on strike.
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When Robert Payne, 61, needed back surgery last year, he said he wasn't worried about how to pay for it. Payne, a self-employed architect in Richmond, pulled $5,500 -- the amount of his health insurance deductible for such procedures -- from a savings account he uses exclusively for medical expenses. His insurance covered the rest.
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Privately insured, low-income workers with chronic medical conditions such as diabetes and asthma are being financially squeezed as employers shift the burden of higher health care costs to employees, a new study found.    The number of such individuals spending more than 5 percent of their income on out-of-pocket medical costs soared 48 percent to 2.2 million people from 2001 to 2003, according to a study released Thursday by the Center for Health System Change...
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Frequently Asked Questions about the State Children's Health Insurance Program (SCHIP)
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Employer-sponsored health insurance premiums increased an average of 11.2% in 2004 -- less than last yearâs 13.9% increase, but still the fourth consecutive year of double-digit growth, according to the 2004 Annual Employer Health Benefits Survey