in full effect with major provisions of the health reform, experts agree, the landscape of employer health insurance is changing rapidly. This article describes five small business health benefits trends for 2015 to know, and why these trends important for small businesses
Trend # 1 :. The majority of Americans still get insurance through work (for Now)
At present, the majority (56%) of non-elderly Americans get their health insurance through work. Of the nearly 267 million non-elderly residents in the US, 56% are covered through their employer, 18% 21% by Medicaid or other public programs are not insured covered and 6% will be covered by a person or a family plan.
Why This Matters: , the proportion of Americans, health insurance received through work, steadily declined in the past decade. In fact, S & P Capital predicts that
Trend # 2: 3.3 million small and medium employer health insurance does not offer
More than 3.3 million small and medium businesses in the US do offer health insurance for employees, primarily because of cost
Why is this important. If you can afford not been able traditional group health insurance, or do not believe it is the best way to insure employee, you are not alone. This trend is also evidence that small businesses need more affordable and sustainable health solutions
Trend # 3 :. The cost of the group health insurance continues to rise
In 2014, the average cost of an individual by an employer-sponsored group health plan was to cover $ 6,025 / year ($ 502 / month); compared to $ 4,152 / year ($ 346 / month) with a nonsubsidized individual health plan. If the premium tax credits are applied, subsidized individual health insurance on average $ 984 / year ($ 82 / month) -. 84% less than group health insurance
Why this matters: The cost of health insurance group is unaffordable and unsustainable for small businesses and employees. Individual health insurance costs less and offers equal (or better) coverage than comparable group health insurance.
Trend # 4: small business group coverage continue to fall
havechanged negatively Small and micro enterprises mainly by the increase in costs of group health insurance. The number of micro-employers (3-9 employees) that offer health insurance fell from 59% in 2010 to only 44% in 2014
Why This Matters: Small businesses continue to fight the cost and eligibility requirements of the health insurance group. For most small businesses, a health insurance group is no longer the best health benefits solution. Which begs the question, Why are small businesses still use Group Health Insurance
Trend # 5: small and medium enterprises adoption employer-paid individual health insurance
Because of the unsustainable cost of employer-sponsored group health insurance, combined with new advantages of individual health insurance, it is estimated that 60% of small businesses financed by employer health insurance by 2017 funded favor eliminate employer individual health insurance
Why is this important. We are in the midst of a significant transformation in how employers and employees, purchase health insurance. Small businesses lead the way through quickly to the individual health insurance and premium refund merges programs.
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