In two weeks we publish our book The End of employers offered health insurance that employers discussed the obvious solution to our nation health insurance Leiden - employer-paid individual health insurance. The book is for pre-order on Amazon.com and BarnesandNoble.com .
believe millions of working Americans that the only way is to get health insurance from an employer. Until recently, their conviction, exactly.
However, in recent years a quiet revolution that health insurance has changed options for employees and companies:
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Individual health insurance has become cheaper and better than traditional employer-provided health insurance.
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most Americans are now eligible for the monthly federal tax subsidies (so-called premium tax credits) for individual health insurance, if their employers do not offer employer provided health insurance.
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New contribution programs employers can reimburse employees for individual health insurance costs.
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These changes mean that your company received from its health insurance conundrum while still (1) Employees allows to obtain high-quality health insurance, and (2) a defined contribution health benefits program provides, which helps to recruit the best and retain employees.
The obvious solution for increasing employer-provided health insurance costs is employer-paid individual health insurance. Why? There are three reasons:
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employers offered health insurance is bad for companies, employees and their families;
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Individual health insurance is good for companies, employees and their families ;.
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employers continue a health benefits program by employees money to their own in individual health insurance plans [1945003anbietenzukaufen]
Why do employers offered health insurance Bad [is
most Americans obtain health insurance from their employer and never to think about it too much, or a family member develops a serious health problem. That's when they restarted the details of their health insurance benefits to learn the medical providers they can use, and what their out-of-pocket expenses are. The term offered insurance in employer health insurance is misleading because the insurance ends when your job often lose time if you are financially vulnerable.
Health care costs 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. Health insurance is probably the most important consumer buying financial products Americans today. One false step can bankrupt even the wealthiest family. But do not get most Americans to catch power their own health plan or doctor. Instead, they get a one-size-fit-all employers offered health insurance by someone chosen others.
Here are 10 reasons offered by the employer health insurance is bad for you, your family and your business:
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It's temporary, you lose your health insurance, if you or your loved one is sick.
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There is far too expensive-You pay $ 4,000 to $ 12,000 more than the individual health insurance for the same coverage.
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It is risky your coverage can be canceled at anytime without notice.
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There is Limited- You do not get to pick your doctors and hospitals.
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There is one-size-fits-all you get not deductible or copays to choose your.
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It is unfair-you disqualified from receiving your $ 2,000 to $ 12,000 a year share of federal grant trillion.
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It is unstable-your costs could double with a million dollar demand due to an employee.
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It is to remain bad for your career people in jobs they potential, their full they can not be.
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It is for your business management badly spends much time for health insurance, which should be spent on customers and products.
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There is is provided bad for America-employer health insurance the most important basic costs US health are nearly $ 4 trillion, approaching one-fifth the size of the US -Wirtschaft
. Note: I will go through each of these 10 reasons in detail in the coming weeks - Subscribe to our feed to make sure you get them.
Why individual health insurance Good is
an individual or family policies purchased from an insurance company medical insurance covers you and selected family members. It works just like car insurance. With individual health insurance, the risk is spread over a large group of people-hundreds of thousands or even millions, depending on the plan and insurance companies.
Today individual coverage almost always better and cost about half the price of comparable employer provided coverage. In addition, most American families earning less than $ 100,000 per year to be paid for by a federal grant for individual health insurance, but only if their employer does not offer employer-offered coverage. The amount of the grant depends on income and family size, and pays a monthly average of about half the price of the individual cover manufacturing individual coverage after the subsidy about a quarter of the price of comparable employer provided coverage.
is for you Here are 10 reasons individual health insurance well, your family and your business:
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There is a portable, you keep your health insurance if you or your loved one is sick.
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There is 20 to 60 percent less expensive you and your employer to pay $ 4,000 to $ 12,000 less for the same coverage.
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There is permanent your coverage can not be canceled as long as you pay your premium.
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It is not for limited get your doctors and hospitals to pick up.
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There is customizable-choose your deductible and copays.
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There subsidized-They may be granted 2,000 to $ 12,000 a year portion of the trillion-dollar federal grant for a $.
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It is stable-you are in a large group and your after subsidy costs with your income will only increase.
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It is good for the career people to change jobs are free to what is best for her career, against what their health care on is best.
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It is good for business management spends on customers and products more time to concentrate.
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it's good for America, it empowers Americans to manage their own health care and it makes American companies more competitive.
The obvious solution - employer-paid individual health insurance
individual health insurance as offered to you by the employer health insurance is better now, your family and your business, because:
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Individual health insurance is less expensive permits
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individual health insurance choice
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individual health insurance stays with you when you change jobs
This raises the question :. You can choose your own individual health insurance and get your employer to cover the costs?
, the answer is an emphatic, "Yes!"
your business is his employer provided, can cancel health plan and all or part of the savings to the employees they give all or part of their individual health insurance premiums to refund. This concept is generally known as defined contribution health benefits.
You think employer funded individual health insurance is the obvious solution? Which questions do you have? Leave a comment.
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