Sunday, December 14, 2008

U.S. health insurance system remain uncertain

Over the past two years of strong growth in the U.S. economy to the United States does not guarantee the safety of employees brought too many benefits. From 2005 to 2006, the United States did not participate in the total number of insurance to grow at a rate of 5%, did not participate in the same period the number of uninsured children grew by 9%. This brought the American people a question: "If the economy begins to fail, what will happen?" Family health insurance premium increase By the Kaiser Family Foundation and Health Research and Educational Trust together "in 2007 employer health benefits survey" shows that the United States this year, employers provide their employees with family health insurance premiums rose 61 percent, a figure lower than last year's 7.7 percent, but higher than the same period the growth rate of wages and inflation, the two figures were 3.7 percent and 2.6 percent. Survey shows that since 2001, the United States increased the cost of home insurance 78%, while wages increased by only 19% and the inflation rate reached 17%. This year's family to pay the annual insurance premium for an average of 12,106 U.S. dollars, of which employees pay an average of 28 percent, or 3281 U.S. dollars. Investigation revealed that a single insurance policy to pay employees for 16% of the cost. In the number of staff in 3-199 between small companies, home insurance for employees paid an average of 4236 U.S. dollars, and employees of large companies alone paid 2831 U.S. dollars. However, according to the survey, the company's small staff for a single premium insurance policy to pay for 561 U.S. dollars, and employees of large companies for 759 U.S. dollars. In January of this year to May of 3078 at least 3 employees of non-federal public and private companies in a telephone interview, a 1997 survey of all the companies to answer the question, and 1081 only to answer the question of whether companies provide their employees with Health insurance. Survey results showed that 60% of the companies provide their employees with health insurance, compared to 2000, a decrease of 69%. 99% of large companies provide their employees with health insurance, and small companies provide their employees with health insurance, only 45%. Economic recession, what will happen Kaiser Family Foundation Chairman and CEO Drew? Altman said: "We have taken note of the health costs of moderate growth, but the family's insurance premiums now has more than 12,000 U.S. dollars. In addition, the family and a health insurance company Year after year can not afford to become a. In the past six years, the family for their part of the burden of insurance premiums paid by the increased cost of 1500 U.S. dollars. "He also said that in the past few years, the total premium growth trend Fast. Health care market, the Engineering Department Director and Vice-Chairman Gary? Kelasidun said that the consumer-oriented plan for the employer to establish a foothold in the market, but they do not like to imagine as growth, according to their results can be found. He pointed out that in the absence of the purchase of health insurance decline in the number of employees, health insurance providers, insurers that "they must realize that the price adjustment" to make a more fair price, as they struggle to narrow in market share. Although from 2005 to 2006 between the United States of strong economic growth, but did not participate in the total number of insurance has been growing at a rate of 5%. Also, did not participate in the same period the number of uninsured children grew by 9%. University of Chicago National Opinion Research Center senior research fellow Jon? Gabel said, although in April 2006 to April 2007, an increase of two million expansion of the new jobs, but employers built on the basis of the system has not done moreThis brought the American people a question: "If the economy begins to fail, what will happen?"

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