A growing number of U.S. employers are switching from classic single or family insurance plans to “per participant” coverage. This change has occurred partially in response to a part of the federal health care legislation which allows young adults to remain on their parents’ coverage until the age of 26. Prior to 2010, children were dropped from their parents’ plans at the age of 18, 21 or when they left college. Under the “per participate” plan, the amount an employee has drafted from each paycheck grows along with each person added to their plan, instead of having a set rate as with the previous family plan. Although the plan has been available, Craig Rosenberg (an Aon Hewitt benefits leader) says of company decisions to choose the “per participate” coverage, “It is a trend that is emerging and will gain more traction.” Although benefit analysts consider the estimated 1-3% increase to premium costs small, it is indeed another price rise in health care, that many employees are already struggling, or unable to pay.
Rising cost account for only one of many problems the global health care industry is suffering from. Although the United States spends more than other countries on its health care, costs are rising almost everywhere. This has led to budget deficits, tax increases, and benefit reductions. Even countries with greater government control (national health care systems) must deal with rationed health care or long waiting lists. Creating a successful health care system in any country must become a joint effort of government, employer, health care providers, and insurance companies alike.
Sources: http://prescriptions.blogs.nytimes.com/2011/11/23/young-adults-coverage-may-cost-parents-even-more/
15 comments:
I agree that this is a large growing problem that health care prices are rising. Just like the post says employees are already struggling to pay these extra costs. A family needs to have health insurance in case someone gets sick so why make the prices even higher?
It is very sad that health care prices are rising from their already high costs. It's awful that some families will not be able to afford it anymore and will have to go without aid in an emergency.
I think its unfortunate that they are going to raise the price of health care. Many people already can not afford health care on their own and has to be on with someone else. Many people are going to begin to suffer due to this
I agree that health care cost is a growing problem and it is something that affects me directly. I was not able to stay on my mom's insurance and was dropped when I turned 19. They said we made too much money becuase we did not only bring in $300 a month. So I currently have no health care and rates are too high to get anything besides the schools right now.
I totally agree with this. Health care is getting extremely high in the world today. Most people can't even afford to go to the doctors when they get sick which is very sad seeing how many people die from diseases. If these prices continue to increase, who will be able to afford them?
Health care cost rising is a major problem because without health care people are just going to start dying away. So many peole can not afford health care and I know several good people that fall into this catagory. My good friend who has seizures all the has been denied medicine to keep him from having them because he does not have health care and cannot afford the medicine. It is ashame that they would do such a thing.
I agree that the prices of health care are beginning to affect many families. It seems almost impossible for many working people to continue to pay for their insurance for themselves and their famalies. I know a few people that have had to drop their insurance due to the increasing prices. I personally don't have any health care and I always struggle to pay my doctors and hosiptal bills because they are so expensive. However, at this time with me being in school and basically living on my own insurance is not something that I can afford.
There is without question a problem with healthcare in the United States. It is unfortunate that many people go without healthcare because of their inability to pay. Other countries have universal healthcare, and I believe that it is imperative that it is imperative that we have one too so everyone will have coverage.
This is a problem that health care prices are rising. People are struggling to afford health care at the price it is now and by it rising it makes it very unaffordable.
We spend so much money on health care and research, yet so many people die. Whats even crazier is that we don't have the highest life expectancy. It is sad that it is steadily increasing, while some people such as myself can't afford the health care prices as they are today.
I think it is a shame that health care prices are rising. It is bad enough already. I think Canada's health care system seems really good. A universal helth care system seems more fair, or a universal system with an option of private pay health care for those who want something else.
Health care prices along with the prices of everything else is becoming too high. I seriously don't think it will go down anytime soon. It's sad that people have to think twice about going to the doctor to get medical care whenever they are sick or hurt.
I think that is the worse part- people thinking twice before going to the doctor when there may be a serious issue at hand. I worked in a cardiology office for 2 years and it was unfathomable how many times people would call and ask for advice while experiencing chest pains or even palpitations. When we would urge them to come into the office or go to the ER, many stated that they could not afford to do so. Even when we began an indigent care program, with out of pocket costs as low as $25 per visit, many people just could not pay it. It was definitely an eye-opening experience considering that I had been to the doctor over a sore throat or runny nose, and these people were dealing with potentially life-threatening symptoms and could not afford to visit a doctor.
While I think that it's incredibly sad that the price of health care is rising, it shouldn't really come as a surprise. The overall price of absolutely everything has risen, and it doesn't look like it's going to stop anytime soon.
the marginal cost — the cost of providing one more treatment, in this case — fell below the average cost, even if there are more cost-effective treatments available. Kim suggests that PPS may account for one of the most distinctive aspects of the U.S. health system
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