changes that will transform the health care system most will not kick in until 2014, giving employers time to figure out how to deal with the changes. Economist Paul Fronstin, the nonprofit Employee Benefits Institute says: "For the most part, the plans do not know what to do. It's just too early ."
There are some terms that take effect this year that employers will be required in accordance with, but the grandfather clause on some of the new mandate. If employers do not make any changes to their plans or switch insurance carriers, they do not offer any additional benefits such as free preventive services. Need mandate includes the removal of life maximum on health and allowing adult children to age 26 to remain on their parents' coverage. Estimates are that any increase in premiums due to the new mandate will be less than two percent.
determining factor in rising health care premiums for next year remains the same as for last year: sluggish economy and higher prices charged health care providers. Health premiums for small businesses can also be influenced by their overall health workers stanje.Direktor Kaiser Family Foundation Project Marketplace policy, Gary Claxton, explains: "For example, if someone is sick in your group, especially with a disease that [your insurer] thoughts onward, they will take into consideration when they set premiums, and you're going to take a share of this ."
Changes in the composition of a large workforce may affect their premiums. Claxton said, "the company will look at, for example, they will be hiring or downsizing? Do they have a bunch of early retirees who will move from one plan to another?" Each firm size will have some type of problem that will affect their premiums.
Predictions of increasing costs to employees based on past trends. Employers will need time to analyze the effects of the new health care provisions of the true picture of what can be charged will be.
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