In one week we publish our book The End of employer-provided health insurance, the obvious solution to our nation's health insurance employer Leiden discussed - employer-paid individual health insurance. The book is for pre-order on Amazon.com and BarnesandNoble.com available.
This item is part of an ongoing series of articles about the 10 reasons, group health insurance is Bad. for you, your family and your business
The second reason group health insurance is bad for you, your family and your business is because it's too expensive - you pay $ 4,000 to $ 12,000 more for the same coverage.
group health insurance is Overpriced
to cover the average cost employees with group health insurance of 2196 $ per year in 1999 to has increased $ 5,884 per year in 2013 for family coverage, the cost of $ 5,791 per year increased in 1999 to $ 16,351 per year in 2013. This is for employers or employees is not sustainable.
2014 ago, the annual cost of individual health insurance over $ 2,500 per person, but there was a catch. Each medically qualified for group coverage, but in 45 states, only healthy people and healthy families medically qualified for individual health insurance.
Then the Affordable Care Act (also known as ACA or Care) was conducted commissioned in 2010. the ACA that the rates, services and qualifications for the individual health insurance is approximately equal to or better than most group coverage.
Even if you participate for a working company that pays 100 percent of the costs for you in the group health insurance, you probably between 50 and 100 percent of the cost of paying your spouse and children to add to your group plan. Most people do not know the cost of their family is typically deducted from his net salary on their salary.
group health insurance has been hit by rising costs in recent years, making it less affordable for employers and employees. From 1999 to 2013, the annual premium that plans health benefits for group health insurance US charged increased about 182 percent to about $ 16,350 per family. increases for individual coverage, the cost of 168 per cent to $ 5,884 per individual (Kaiser Family Foundation 2013).
During this time, many employers were providing full health benefits. The percentage of jobs that include health benefits dropped to 57 percent-9 percent fewer jobs in the US in 2013, health benefits provided compared to 1999. The average cost of health benefits group is expected to 20,000 per family reach $ and $ 8,000 per individual in 2016. on average, employees on health insurance group is paying more and getting less in terms of higher deductibles, higher copays and higher out-of-pocket maximums.
What is the solution?
you should change to individual health insurance because it is 20 to 60 percent less. With an individual plan, you pay $ 4,000 to $ 12,000 less for the same coverage.
was for people who won this year insurance through the exchange (2014), the average premium paid $ 346 per month. Once subsidies have been applied, the average premium was reduced by more than 75 percent -. Up to $ 82 a month
I'm three by reason number go (group health insurance is risky) tomorrow.
Click here to read all articles in the series.
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