What percentage of people pay MORE into their health insurance than get out of it?
341441
I don't know but I really use my health insurance like crazy. I know those people hate me.  I'm always at the doctor's office.\n\nI think those 20 something year olds are much healthier and don't visit the doctor as much tend to spend more for health insurance and not reap the benes.\n\nBefore I got my insurance, my presecription drugs cost me $400 a month. Now that the insurance pays most of it, I pay about $90.
42633
Yes. If people get sick or hurt they need something to fall back on. Plus it helps the employer too. People with health insurance can get back on their feet faster and, if the stay home briefly, don't get others sick. On top of which you probably can deduct this expense from the company's taxes.
834919
Probably between 6-8 percent, just like the general population. I don't know where you got the 1% from, but it's wrong.
1137306
A lot depends on your situation. According to a Kaiser Family Foundation study, the average individual health insurance premium is $173. Of course, premiums depend on what kind of plan you have, where you live, your age and sex, medical history, and other factors. For example, another KFF study found that a 25-year old would spend $57 a month for a Washington HMO policy while a 60-year old would spend $205 for an identical policy. A few states do not allow health insurance companies to charge more based on age. And the average monthly premium in California is about $211 – about $40 dollars above the national average, according to California Healthcare Foundation. Moreover, some medical conditions can increase premiums by 20 to 80 percent.\n\nOne of the great benefits of a group health plan, like one you’d get through work, is that they offer more protection (under federal HIPAA and state regulations) and it’s easier for you to be accepted. For example, if you have insurance through work, develop a medical condition, and switch jobs, you have to be accepted by your new health plan and you can count the time you were with your old plan against any waiting period required under your new plan. Also, group health plans give you more for your money.\n\nWhen I was younger, I went to only to non-routine doctors visit in more than 10 years, so financially I would have been better off with more money in my pocket and a less robust health plan. However, there is peace of mind that comes with quality medical protection.\n\nMostChoice.com has a free and easy way to find out all about health insurance. You can get free policy descriptions and pricing estimates through the site. More importantly, you can talk with state-licensed insurance agents near you. You just fill out a short form and local agents contact you within 48 hours. It’s a stress-free way to shop for health insurance and a great way to find out answers to tough health insurance questions.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice.com
166881
Your medical bills will probably be at least $2000 if that is your deductible. But the higher the deductible, the lower the premiums usually. Also, when you have health insurance, the doctors actually bill you less than if you didn't have it because the insurance coompanies negotiate lower prices from hospitals and doctors. Since you aren't pregnant yet, do go over everything with your insurance agent so there won't be any surprizes.
360000
Health Insurance provided as a group plan at a business is often twice as expensive as a "individual/family" plan. The reason is that a group plan is not medically underwritten so "sick" people are covered. Also maternity is covered in most group plans but not in individual plans. So switch to an individual plan if you are healthy. To further lower your cost get a higher deductible either $2,500 or even $5,000 per year. Pay the small stuff yourself but use the insurance for the "BIG DEAL".
432250
The main thing people will gripe about is that Canadian corporate tax is a few points higher than in the USA.  However, employers in the USA end up paying a lot of money out for health care, while in Canada the government covers most of that cost.  So it works out fairly evenly.
628826
I think obviously millions of people are,but if we dont pay this way then we would end up paying around 30% income tax.\nwhich would you prefer?
1095103
Between 10-20%.  10% gets you out of risk insurance, but if you can manage 20%, it can get you into the better interest rate.
34056
Despite some efforts to create a national system, healthcare is still funded largely by joint employer/employee contributions, with the employer typically picking up 70-80% of the cost.  \n\nMore and more options involve HMO's, or health maintainence organizations.  They trade a low-cost co-pay (or insured share of medical cost) for managing practically every decision involving your care.  HMO's often make decisions based on financial considerations.  Other insurance plans are available, but at substantially higher prices.\n\nWith healthcare costs skyrocketing, largely due to vastly increased malpractice insurance premiums, a better solution is needed.  There has been continued talk of "tort reform" which reduces the liablility of a doctor or hospital in a suit.  Other "consumer-driven" insurance plans have been developed that put the insured in more of a position to determine how much his health care will cost.  My wife and I have such a plan, and it offers us some incentive to choose our doctor visits more carefully.
1104636
Either you pay for a really good insurance policy (and still end up with a copayment or deductible, hoping they will never decide to not cover anything) or you join the military. If neither of those, it is expensive.
531434
Pancakes... ah how nice it is to be upper middle class, but maybe you should turn off the TV all together and visit some of our poor communities.... only the rich come here to get health care... the poor in the country can't afford it... just because they aren't the brightest, doesn't mean they shouldn't get health care...\n\nsimple answer to your question is greed... the sin of greed is very acceptable to our "moral conservatives," in fact it's encouraged...
440144
Yes, they can. Sometimes one employee earns more if they opt out of using the company medical benefits and such when another employee doesn't opt out. Essentially, the company is paying out the same for both employees, only one employee sees the added money on their paycheck while the other employee, using the medical benefits, doesn't.
1184496
Absolutely not.  Our health care system is a mess, it's true, but I think the best way to fix it is with less government intervention, not more.  You see, as with everything else, you tend to get all the best and most expensive stuff you can when someone else is paying the bill.  Well, if the government is paying the bill, that really means the taxpayers.  It's not fair for healthy people to have their tax burden substantially raised because some others can't or won't take care of themselves.  Which leads to a related point:  If you're paying your own bill, you're more likely to take good care of yourself, so you don't end up paying more than you absolutely have to.
1007994
I offer insurance to my employees, the plan I've got them on is $300.00/mo single and $525.00/mo family.  They can have it after 90 days.  Its a BENEFIT for being a good employee.  I don't pay someone the difference iff they choose not to take it.  Besides if they gfet hurt on the job, its better for the company if the employee uses their insurance, rather then me having to go through work mens comp.
1044637
That really is a good question. I tried to find an answer, but it all seems very vague. While I did encounter many people with a situation like yours (one woman paid almost four times more to include her husband on her health plan), I had two thoughts:\n\n1.Maybe it’s not as widespread a problem as you might think. Even though the Wall Street Journal and New York Times have written about the rate tiers you’re speaking of, I found a study from the Medical Expenditure Panel Survey that showed that the average yearly premium expense for employer-sponsored single coverage was $3,481 compared with $6,647 for plus-one coverage – less than double the single rate. \n\n2.Some group plans may be required to accept spouses without evidence of insurability – no medical review or tests. If that’s true, then there might be a risk-centered reason for the hefty increase in your premiums.\n\nYou might want to talk to the insurance company to see how they justify the increase. Also, you might want to shop around for insurance with local agents to see if the same price hike applies to other health plans near you. If you want to do that, check out MostChoice.com. It’s a site where you can compare and contrast locally available insurance policies and get in touch with state-licensed insurance agents. There’s no cost and you’re not obligated in any way to buy anything from the agents who contact you. Just have your questions ready and challenge them to find a better insurance solution for you and your wife.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
575372
If you are not in a group plan - and if you are not a man of great wealth --  you may find that "affordable" and "health insurance" do not travel in the same flock.