![]() Individual employers have limited ability to negotiate lower prices for their insurance plans. Furthermore, lower prices-if they are not achieved to the detriment of quality or access to care-also benefit employees by reducing their premiums and cost sharing. 6 If employers can negotiate lower prices for health care services, they can secure lower premiums for the coverage they sponsor. 5 With commercial rates for hospital care averaging 224 percent of Medicare rates, employers and workers are paying far higher prices than public payers for the same services. #Perfect face outline transparent driverRising health care prices-not utilization-is the primary driver of the rising cost of commercial insurance. ![]() 3 Half of those who struggle to afford health care costs reported delaying their or a family member’s needed care or medication due to cost. ![]() According to a 2019 survey conducted by the Kaiser Family Foundation and The Los Angeles Times, 2 in 5 adults enrolled in employer-sponsored coverage reported difficulty affording health care or insurance costs. 2 Cost sharing is also increasingly placing a financial burden on workers and their families. 1 While satisfaction with employer-sponsored insurance is generally high, premiums for that coverage have risen faster than workers’ wages over the past five years. ![]() About half of Americans receive health coverage through employer-sponsored health insurance (ESI). ![]()
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