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Kaiser Report Reveals Future Rise in Out-of-Pocket Expenses for Employees
Written by David Norman
Friday, 18 September 2009 20:47
The hordes of protestors terrified that a health care overhaul would dismantle their employer-sponsored health insurance are about to be silenced. With the economic downturn making everything – not just health care – more expensive for businesses, many employees are about to see their out-of-pocket expenses soar.
Of the 2,000 private and public sector employers surveyed by the Kaiser Family Foundation and the Health Research & Educational Trust, 41% say they are somewhat or very likely to ask require employees to contribute more for insurance packages, with many specifying higher copays and deductibles for doctor visits and prescription drugs. As a whole, 9% claim they will tighten eligibility for coverage and 8% say they will cut coverage completely. In a separate survey from Mercer consulting firm, nearly two-thirds of employers surveyed say they will raise out-of-pocket costs. Tying this up, a leading business lobby believes that annual health care costs for businesses will rise by 166% in just ten years if changes are not made to the system[1]. Already costs for family coverage are up to $13,375, the Kaiser survey finds, with employees paying roughly a quarter of that cost. The staggering rise of 5% in family premiums follows a drop in inflation and only a 3.1% rise in wages[2]. This hints at several different explanations for the increase beyond the simple solution of insurance company greed. Some companies may be raising these costs to help cover losses due to the economy. While many companies report planning to implement cost-cutting strategies like wellness incentives and health assessments, in the Kaiser survey, 21% of employers surveyed have already reduced benefits and 15% have raised premiums[3]. This shows that it is not only outrage against the existing insurance industry that drives the overhaul. There is some fundamental frailty in the system of employer-sponsored health insurance as well as the corporate greed that stems from insurance companies. Both have benefitted some in the past, but they cannot be the only sources that people rely on when it comes to staying well.
[1] Hilzenrath, David S. "Many Employers to Raise Cost of Health Benefits, Survey Finds." The Washington Post 16 Sept. 2009, Business sec. The Washington Post. 16 Sept. 2009. Web. 18 Sept. 2009. .
[2] The Kaiser Family Foundation. Costs/Insurance. Family Health Premiums Reach $13,375 Annually in 2009 Up 5 Percent as Inflation Fell Nearly 1 Percent. Www.kff.org. 15 Sept. 2009. Web. 18 Sept. 2009. .
[3] Ibid.
Last Updated on Monday, 05 July 2010 16:09