The face of American health care system will change in 2012. Various reforms have been implemented and others are pending. Current political debates, opposition movements and ongoing proceedings concerning the reform of health systems, while at one point in 2012. Despite the uncertain changes, darken the future of U.S. health care system, employers have no choice but to continue to manage these costs for their businesses. Employers and human resource development staff, well informed on trends in health insurance will be better suited to determine what measures will be the greatest benefit for their companies.
Projected costs of health care
According to the survey to increase Hewitt 2011 Trend in Health Care, the national cost of medical care by 10% in 2012. In California, employers to pay an additional 12% for health care costs, after the establishment of the Health Care in California (CHCF) annual survey in December 2011. The inflation of health care will rise to 3 or 4 times the level of domestic inflation. It is expected that these trends will continue, allowing the fight to ensure employers and workers to afford medical care.
According to recent studies, could result in higher insurance premiums, many employers to stop offering health insurance to their employees and decided to pay a fine instead. In June 20122, contacted the employer McKinsey survey in 1300 at the CEO level, or finances. The survey found that 30% of all employers were likely to drop plans for health care by employers with an "awareness" about the details of the reform of health care increased by 50%. Would look to avoid fines apparently high enough deterrence $ 2000-3000 for employers from stopping coverage for employees. But in truth such sanctions would have to pay only about one-fourth of the cost of health insurance these employers.
Trends in California with co-payments and deductibles
According to CHCF higher co-payments and deductibles to be a trend that is likely to continue. To highlight some interesting statistics on the health insurance programs in California, the trend of employers for creative ways to lower insurance premiums.
* 76% of California HMO plans and PPO plans have 65% copays of $ 10 - $ 20
* Less than 1% of all plans offer copays $ 5, but over 25% of them planned mandatory offer copays over $ 20.
* 25% of employer-sponsored plans in California are high deductible plans of $ 1,000 or more.
The bottom line is that due to high deductibles and out-of-expenses, employers are looking to cut costs to employees.
Completion
Health insurance for small businesses is to undergo major changes in 2012. If employers reduce health care costs are seriously and protect their businesses from drastic changes in the coming year, they must be sure to review and implement the development plans for their employees health insurance.
Projected costs of health care
According to the survey to increase Hewitt 2011 Trend in Health Care, the national cost of medical care by 10% in 2012. In California, employers to pay an additional 12% for health care costs, after the establishment of the Health Care in California (CHCF) annual survey in December 2011. The inflation of health care will rise to 3 or 4 times the level of domestic inflation. It is expected that these trends will continue, allowing the fight to ensure employers and workers to afford medical care.
According to recent studies, could result in higher insurance premiums, many employers to stop offering health insurance to their employees and decided to pay a fine instead. In June 20122, contacted the employer McKinsey survey in 1300 at the CEO level, or finances. The survey found that 30% of all employers were likely to drop plans for health care by employers with an "awareness" about the details of the reform of health care increased by 50%. Would look to avoid fines apparently high enough deterrence $ 2000-3000 for employers from stopping coverage for employees. But in truth such sanctions would have to pay only about one-fourth of the cost of health insurance these employers.
Trends in California with co-payments and deductibles
According to CHCF higher co-payments and deductibles to be a trend that is likely to continue. To highlight some interesting statistics on the health insurance programs in California, the trend of employers for creative ways to lower insurance premiums.
* 76% of California HMO plans and PPO plans have 65% copays of $ 10 - $ 20
* Less than 1% of all plans offer copays $ 5, but over 25% of them planned mandatory offer copays over $ 20.
* 25% of employer-sponsored plans in California are high deductible plans of $ 1,000 or more.
The bottom line is that due to high deductibles and out-of-expenses, employers are looking to cut costs to employees.
Completion
Health insurance for small businesses is to undergo major changes in 2012. If employers reduce health care costs are seriously and protect their businesses from drastic changes in the coming year, they must be sure to review and implement the development plans for their employees health insurance.
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