Several trends through American business, society and politics in recent years gathered around the undeniable conclusion that the way we share and pay for health care needs fixing. The company sponsored group health insurance plans no longer endure the same carrier from year to year, and provide less benefits and their costs povećanja.Srednja class no longer works in the same company their entire career (as the baby boomers' eyes), and they were forced to change coverage, such as the transition to new jobs or (find starting their own business in the face of persistent unemployment) to buy coverage for themselves and their families. Government sponsored health insurance plans such as Medicare and Medicaid appear huge deficits to the reduction of contributions to them, and medical costs grow at double digit rates every year.
Each of these trends in contradiction with the principles of good insurance:
Group insurance products are designed to serve the needs of a clearly defined pool of individuals that can be tracked from year to year, determining the actual claims history that should drive the premium costs. However, with companies continuing to switch carriers (in search of lower premiums), they can not do anything to take control of your costs through weight loss, quit smoking, exercise and other wellness programs. Of course they May receive reduced initial rates, used to deal with new accounts, but the restoration time and the rate will jump to reflect the actual demands and new medical cost projections. And the cycle begins again changing carriers. Without persistence (every year), establishment of claims history, there is no hope to ever see a stabilized premiums.
More and more small businesses and self-employed entrepreneurs are faced with the challenge of choosing and buying their own health insurance coverage each year. Without actual experience outside the one-hour presentation in HR in the open enrollment time in previous jobs, they are overwhelmed by choices, options, exclusions ... costs! Thinking that since their previous plan holder is (say) Blue Cross / Blue Shield, have applied for individual coverage with local BC / BS. They have no idea that these entities vary considerably from country to country and that their individual plans are completely different from their group plans. Instead of being rated in a large pool of workers from a clearly defined group, they are suddenly thrown into small pools in low, medium and high risk individuals. Their premium rates go up, and their coverage is going down. And, as they need to reduce their financial exposure to protect your new business, and a set of rules that are actually open up more exposure. Like his former employers and new entrepreneurs will probably be shopping around for new carriers each period of renewal in a futile search for more affordable coverage.
Unlike private insurance, government-sponsored plans such as social security and medical programs is not warranted based on actual or projected claims experience. They are simply financed by payroll taxes on current workers, to pay claims directly from these funds. These plans were put into law at the time when the size of the earnings of American workers is scheduled to increase by far in the future. But with the maturation of the generation after World War II (people born in 1946 become eligible for Medicare this year), average salaries still trending down, and all types of outsourcing jobs overseas, labor income projects now point down. These dramatic changes in the nature of the work, the size of the workforce and the kinds of jobs created by suggesting that all of these "rights" of the program should be evaluated and redesigned to work with today's reality.
In other words, health insurance costs continue to escalate in the foreseeable future. In other companies, executives responsible would have already begun to find ways to cut costs. However, no such response was responsible came from the health industry or the federal government. Neither the provider or health insurance carriers have made any progress in containing the costs of their services. In fact, one small step taken toward that goal, 2010 Health Care Reform Bill now, rather than accelerate the pace of premium increases.
Without job security, mobile coverage is not only a good idea, it is a necessity. They would even land you that next big job in the organization of your dreams, there is no guarantee that - or their group health benefits - will continue. Here in Arizona, it is believed that one in three small businesses currently provide group health insurance for their workers will be to drop this year. And let's face it, if a large organization like GM can not afford such fees for their employees, as much as possible to smaller companies carry these types of expenses in their books.
is the only security that we, as individuals, will have to take greater control over their own situation. Do not wait for them (employers, government, insurance companies), to understand and give you the solution. Remember, whatever you can to be designed to attract the most "customers" as possible. It will be so general and wide ranging that it probably will not satisfy your needs.
Their intentions will be good, but each of us consume health differently:
Some of us go to the doctor regularly from week to week, take drugs or maintenance treatment on an ongoing basis and need for continuous monitoring through blood screening and other medical tests.
Some of us only see our doctor when we can not shake that cold have been suffering from a week or we'll twist an ankle or throw out our backs trying to make a 30-foot jump shot, we used the nails every time (when we were 30 years younger).
Some play fast and loose with your health: eat whatever you want, smoke, or drink all weekend as we watch the ballgames.
Some watch every calorie and do our exercises every week without fail.
Each of these different types of consumer needs of different types of health insurance. But most importantly it takes each of them is how to protect their property from potential losses in the face of unexpected medical expenses. And as more and more of us become entrepreneurs, and potential losses could have an even greater impact. Apart from losing our savings, we could lose our very existence. You May have gotten a 14 (plus) sick days per year in his old job, but when you work for yourself you can do to earn income, and even two weeks in the train we would have shut down operations.
There are many types of affordable health insurance plans available to individuals, but you need to do your homework. You have to understand your goals and your budget. You have to predict future resource needs (based on the program start date, there are some who will see the same kinds of increases every year). Then you need to shop around. And if that's all too much to comprehend, as it was for me when I bought my first individual health insurance policy, talk to a professional. Let help you gain an understanding of conditions and the many options available to you.
can not be responsible consumers when it comes to purchasing cars or appliances, let's be better consumers of health care. You're no longer limited to three cookies blades that HR plans presented to you each fall. Now you can create a custom plan for your needs and budget.
No matter where you work, what becomes of the rights to the next round of budget cuts, or that premiums for traditional plans of the head, you'll be covered, because you have to take charge of their health care.
