As part of the changes due to the Affordable Care Act (ACA), it is not surprising that health care is a major concern for employers. In fact, according to the 2014 benefits strategy and Benchmarking Survey, conducted by Arthur J. Gallagher & Company, the two biggest challenges are faced employer: to gain 1) control power costs and 2) and to maintain a competitive workforce. Surprisingly, these concerns go in terms of sales and revenue growth, to keep government regulation and even profit margins.
The survey 1,833 employers in the United States. There were a variety of different employers participants, including for-profit organizations and non-profit organizations. Size of employers varies from less than 100 full-time employees to more than 1,000 full-time employees
Top Health Challenge benefits :. Controlling cost of services
Although the control of employee benefits expense number to number one in the overall challenges faced, employers, the survey showed that the respondents only 31 percent of these employers the cost of health care reform quantified
by the interviewed that puts the cost of health care reform .:
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42 percent expected increase in costs of at least 6 percent
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26 percent feel the cost will increase by 10 percent or more
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An astonishing 62 percent of health insurance premiums "employers have increased since their last renewal. at least 25 percent of employers saw increases of at least 10 percent.
resulted Another trend in the survey, were the most popular methods of controlling health costs. Rising employee liability was in the first four of five strategies:
increase-
Increase employee plan contributions
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deductibles
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increase out-of-pocket maximums
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increase copayments
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Change plan carrier
the survey points out that all of these strategies, "It is unclear how effective these adjustments. If they do not include costs that employers may increasingly turn to the defined contribution plan for relief . "
in fact, showed the results of the survey, at least 23 percent of employers have contemplated switching to a defined contribution model within the next three years. , Of the small percentage of employers who have already switched to a defined contribution model, best known costs and increased employee choice to change as reasons for contribution
Top Health Benefits challenge: production and a competitive workforce holding
, the second largest employer participants challenge was reported and maintain a competitive workforce, while benefit costs under control.
The dynamic preferences of the workforce become more diverse, the employer must be kept in the need for a more individualized approach to health services their employees. The results of the survey revealed several other trends in employer benefit decisions regarding keeping on employees:
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Although employees are very interested in long-term care as a benefit, 82 percent of employers do not offer this advantage.
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Although dental services at a very popular benefit among employees continue to be 63 percent of the employer for the individual policies an average employee contribution of 28 percent of the premium, require; 84 percent of employers require employees to a median of 50 percent of the premiums for family policies contribute.
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Almost all (98 percent) of employers to pay at least part of their employee medical benefits.
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77 percent of employers require their employees to contribute their health plan.
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78 percent of employers reported that at least 70 percent of their skilled workforce is enrolled
Top Human Resource concerns for employers
When asked about the personal challenges they faced, concerns of employers were focused on health issues .:
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Controlling health care costs
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Keeping up-to-date on the health care reform and other legislation
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Increasing employee satisfaction
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personnel expenses
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Fixture employees
chart and survey source: Arthur J. Gallagher & Co.
Are these the greatest health benefits challenges you see in the industry? Leave a comment.
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