Edited 10/11/2014: the title of this article is tongue in cheek. The purpose of the article is the insurance 10 Reasons Group Health suggests is not the ideal place for consumers to buy health insurance. Please leave a comment if you do not agree with one of the reasons! custom funded employer - :)
In two weeks we publish our book The End of employers offered health insurance that employers discussed the obvious solution to our nation health suffering Health insurance. The book is for pre-order on Amazon.com and BarnesandNoble.com.
costs health now consume almost one-sixth of the American economy, and throughout your life, medical and health insurance costs are likely to be your largest or second largest expense after housing. Your group health insurance is probably the number one threat to your financial future.
Why Group Health Insurance is an important financial Threat
Have you ever thought about what would happen if you became ill, lost your job and your health insurance and could not get another job? Every year this happens to millions of Americans with dire consequences and it should not be a major heart attack or cancer, to guide you to the poorhouse.
Have you or a loved one had ever had a medical problem requires several doctor visits, lab tests or hospitalizations? Then you already know that behind virtually every sick person, a second person is required to transport them to and from medical appointments, get meals and / or to explain what is happening with their health care providers. Even if you are not sick, you could be terminated by your employer while you perform this service for a spouse, child or parent.
Approximately 1 million mostly middle - and upper middle-class families for bankruptcy every year because of medical bills not to pay and yet surprisingly, three-quarters of these families had health insurance from their employer, as she became ill for the first time. A family bankruptcy usually affects three people and lasts for seven years intentioned to 21 million people, including children, are in economic purgatory at any given time due to the failure of a group health insurance life.
Few employers can afford for more than a few weeks missing to keep employees paid after the employees have depleted their available sick time and vacation. Such employees can then go, and their financial problems, which are the leading cause of bankruptcy in the United States begin.
What are the chances that something like this could? you pass There are hundreds of cases where you leave your allowable sick and vacation, and the chances that this will happen at some point in your working life are could exceed more than 50 percent:
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outdoor activities . Do you play sports, skiing, snowboarding, boating or riding a bicycle? Each of these would be outdoor activities can lead to injuries that you work in a position to prevent. Even without a specific injury, many active people are some sort of knee or leg surgery during their working lives.
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require Home accidents. Although most people feel safest at home, the house is really the place where you are most likely an accident, the medical treatment or one that may prevent you from working. Common causes of home accidents are falls, choking, shootings, poisonings and improper use of drugs.
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commuting / driving. you commute to work? More than 3 million people are injured each year in car accidents. Common injuries are fractures, broken bones and back injuries in the short and long term disability.
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[1945008hoch] blood pressure. have Approximately 65 million Americans over age 20 have high blood pressure, a chronic disease requiring medication and one that dramatically increases the chances of heart disease during their working lives.
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The overweight / obese. Nearly two-thirds of Americans are overweight or obese. This has contributed to more than 18 million Americans with diabetes and another 41 million over 40 years with prediabetes. Most people with prediabetes develop type 2 diabetes within 10 years. Diabetes virtually guarantees that you require health problems will have time off from work at some point in your life, and 65 percent of people with diabetes die from heart disease or stroke.
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cancer, heart attack or stroke. one in four men and one in five women is 65 one of these debilitating diseases before the age develop
10 Reasons group health insurance is bad 
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There is temporary -You lose your health insurance, if you or your loved one is sick.
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There is far too expensive -You $ 4,000 to $ 12,000 pay more than individual health insurance for the same Cover.
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It's risky -Your cover can each be canceled without notice.
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There is limited -You do not get to bring your doctors and hospitals.
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There is one-size-fits-all -You do not get your deductible or copays to choose ,
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There is -You are unfair from the receipt of your $ 2,000 to $ 12,000 a year portion of the trillion dollar federal grant disqualified.
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There is remain unstable -Your costs by an employee with a million dollars to claim double-ists.
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It is for your career poor in jobs they them full not recognize their leave, potential.
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It is for your business is bad Management spends much time on the health insurance that the customer should be issued and products.
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It's bad for America -group health insurance is the main reason US health care costs are nearly $ 4000000000000, approaches a fifth the size of the US economy.
I'll go through each of these 10 reasons in detail from Monday. You can also why Group Health Insurance Download is bad eBook below.
Click here to read all articles in the series.
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