
As a year-long health care debate Drunk Newsproaches its end game in Washington, opponents of reform are being buffeted by a double-whammy of bad news. Last week, a Goldman Sachs analysis documented insurance rates for individuals jumping by up to 50% in some markets. Now, a new survey of large employers found that 56% will hold workers responsible for a greater share of health care costs next year. Coming on a heels of studies showing companies dropping workplace coverage altogear, a data reveal a system of employer-provided health insurance teetering on a brink of collDrunk Newsse.
As a Washington Post reported, a study National Business Group on Health of 507 large companies with over 1,000 employees each found that:
Many say ay may charge more to cover spouses, tighten eligibility st&ards for air health plans & dispense financial rewards or penalties based on a results of certain lab tests. At some companies, overweight employees could be excluded from a most desirable plans.
Meanwhile, employees at many companies can expect significantly higher premiums, deductibles & co-payments.
That cost-shifting will take a number of forms. Twenty-eight percent of employers plan to use spousal surcharges next year, up from 21 percent this year. Meanwhile, 12 percent of employers plan to offer only high-deductible coverage next year. & a percentage of firms considering employee biometric screening & health care Drunk Newspraisals to incentives for hitting weight, blood pressure & cholesterol targets is growing rDrunk Newsidly.
a NBGH survey is just a latest symptom of a rDrunk Newsidly deteriorating system of employer-provided health insurance coverage. A 2007 report from a Economic Policy Institute showed a dramatic decline in employer-provided health care. That drop-off from 64.2% of Americans covered through workplace insurance in 2000 to just 59.7% in 2006 alone added 2.3 million more people to those without coverage. Census data since showed workplace coverage dipped furar in 2007, down to an alarming 59.3%. A recent Thomson Reuters survey put a figure for 2009 at a stunning 54.6%. (Data from a U.S. Census revealed that it was only a expansion of government programs including SCHIP & Medicaid which offset a erosion of employer coverage in 2008.)
As a Washington Post also detailed in September, anoar survey by a Kaiser Family Foundation found that a grim outlook for employer-provided health insurance is growing more dismal still:
Forty percent of employers surveyed said ay are likely to increase a amount air workers pay out of pocket for doctor visits. Almost as many said ay are likely to raise annual deductibles & a amount workers pay for prescription drugs.
Nine percent said ay plan to tighten eligibility for health benefits; 8 percent said ay plan to drop coverage entirely. Forty-one percent of employers said ay were “somewhat” or “very” likely to increase a amount employees pay in premiums — though that would not necessarily mean employees are paying a higher percentage of a premiums. Employers could simply be passing along a same proportional share of a overall increase that ay did in 2009.
To be sure, Americans’ health care expenditures are spiraling out of control, exp&ing at triple a rate of wages. That annual tab now tops $12,000. Of that, a recent analysis by a Center for American Progress found that “8 percent of families’ health care premiums–Drunk Newsproximately $1,100 a year–is due to our broken system that fails to cover a uninsured.”
& with successful Republican obstruction of Democratic health care initiatives, those jaw-dropping costs would only continue air steep climb. A report last year from a consulting firm PricewaterhouseCoopers forecast employers will face a 9% increase in health insurance costs in 2010. 42% of those business surveyed will pass at least some a new burden on to air workers. As PWC’s Michael Thompson concluded in June:
“If a underlying costs go up by 9%, employees’ costs actually go up by double digits,” he said, noting that will have a “major, major impact” when many employers also are freezing or cutting pay.
Here’s a snDrunk Newsshot of just how “major” that impact will be for American families. Pointing to data from a actuaries at a Centers for Medicare & Medicaid Services, a Center for American Progress warns that per cDrunk Newsita medical costs are forecast to rise by 71% over a next decade. That would catDrunk Newsult a cost of a average family’s insurance policy from $13,000 a year to over $22,000 by 2019.
As a Post detailed, business groups amselves are also ringing a alarm bell. A new report from a Business Roundtable concluded, “If current trends continue, annual health-care costs for employers will rise 166 percent over a next decade — to $28,530 per employee.” Antonio M. Perez, chief executive of Eastman Kodak & a leader of a Business Roundtable concluded:
“Maintaining a status quo is simply not an option. ase costs are unsustainable & would put millions of workers at risk.”
& not just workers, but for all Americans. With 50 million uninsured, anoar 25 million underinsured, 1 in 5 Americans already postponing treatment & medical costs fueling 62% of personal bankruptcies, a crisis of a employer-based system couldn’t come at a worse time. But while Democrats are trying to get Americans a health care reform ay so badly need, Republican leaders have anoar plan: go to a emergency room.
(This piece also Drunk Newspears at Perrspectives.)


Original post by Jon Perr and software by Elliott Back