The main provisions of the health reform in full effect and the experts are unanimous landscape of employer health 
insurance is changing rapidly. This article describes three individual health trends in 2015 to see and why you and your small business
Trend # 1 :. More than half of Americans are covered funded employer health insurance
are of the almost 267 million non-elderly residents in the United States 56% covered by its employer, 18% are not insured, 21% covered by Medicaid or other public programs and 6% will be covered by a person or a family plan
Why is this important . Although employer-sponsored insurance covers more than half of Americans right now, from 2010 to 2014 this number decreased by 69% of all employers only 54%. Likewise, the number of micro sank employer (3-9 employees) provides employer-sponsored health insurance from 59% to 44%. This trend would suggest that the employer-sponsored insurance is to fade continue as time goes by.
Trend # 2: Individual health insurance costs 84% less than group health insurance
[1945007So] what trends are evident for the individual health insurance prices for 2014? The average cost of an individual with a non-subsidized health plan to cover health plan was $ 4,152 / year ($ 346 / month) compared to $ 6,025 / year ($ 502 / month) for a single-sponsored by an employer group. If the premium tax credits are applied in the non-subsidized health plan, averaged insurance an even lower $ 984 / year (82 $ / month.) - 84% less than group health insurance
Why these Affairs : group health insurance is not affordable. Individual health insurance, combined with premium tax credits, affordability for people that can not have been able to afford adequate health care
provides Trend # 3 :. Employer-sponsored group health insurance costs are not sustainable
Because of the unsustainable cost of employer-sponsored insurance group health, combined with new advantages of individual health insurance is estimated that 60% of small businesses Employer-sponsored health insurance to 2017 eliminate in favor of the employer. -funded individual health insurance
Why is this important : If you are a small business, private health insurance are owners, now is the cheaper and better way to provide health insurance. In addition, small businesses can create a premium refund plan offers employees contribute to individual health insurance premiums. Click here for more information about alternative approaches to health.
For an individual health insurance facts and figures to read, download this free guide.
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