Dear Lifehacker, Sincerely, Dear Intense, Note: If you don’t get health insurance from your employer, check out our guide to buying health insurance for yourself, as well as our explainer on the new health care law to get started. If you have questions, they may have already been answered in our Ask an Expert series, too! Health Insurance Basics Before we go into the specific types of plans, it’s important to have a basic idea of how health insurance plans work. When you go to the doctor, that doctor’s visit has to be paid for. Without insurance, you’d have to pay the entire thing out of your pocket—but with insurance, your insurance company helps you out. Many plans have a deductible, measured in dollars. This is the amount that you have to pay for health services before your insurance kicks in and helps you cover the cost. So, if your plan has a deductible of $1000, that means the first $1000 of your medical costs for the year come out of your pocket. … [Read more...] about What’s the Difference Between All These Health Insurance Plans?
Employer driven health plans
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By Melissa Patrick Kentucky Health News While much attention has recently been given to the number of people who sign up for health insurance on the federal exchange, the reality is that most people get their health insurance through their employer. A recent analysis by The Commonwealth Fund, a foundation interested in the health-care system, shows that the overall cost of employer-sponsored plans keeps going up. “The vast majority of people under age 65 in the U.S., 152 million, get their health insurance through an employer, and many of them can barely afford to pay for it. Several bipartisan policy fixes have the potential to reduce health care burdens for workers and families struggling to afford the health care they need, while also making our health system work better for everyone," Dr. David Blumenthal, president of The Commonwealth Fund, said in a news release. According to the analysis, 56 percent of people under 65 get their health insurance through an employer, … [Read more...] about Employer-sponsored health plans in Ky. saw modest cost hikes in 2017, but many people struggle with premiums, deductibles, etc.
Dave Bangert Lafayette Journal & Courier Published 1:53 PM EDT Oct 23, 2018 WEST LAFAYETTE, Ind. – A day before Purdue University faculty and staff were scheduled to hold a forum to air their grievances over changes to their health care coverage for 2019, Purdue backed off a plan to cut primary health benefits for working spouses – “at this time.” In a letter sent to faculty and staff Tuesday morning, Bill Sullivan, Purdue’s treasurer and chief financial officer, wrote that the university figured taking away coverage for working spouses – part of a health plan the university’s trustees signed off on Oct. 12 – would have saved Purdue $4 million a year on coverage “that should be the responsibility of other employers.” Sullivan called the coverage “a luxury that many employers are choosing to no longer provide” and the university’s administration believed covering working spouses “over the long … [Read more...] about Purdue backs off booting working spouses from health plan, for now
With workers harder to find and Obamacare’s tax on generous coverage postponed, employers are hitting pause on a feature of job-based medical insurance much hated by employees: the high-deductible health plan. Companies have slowed enrollment in such coverage and, in some cases, reinstated more traditional plans as a strong job market gives workers bargaining power over pay and benefits, according to research from three organizations. This year, 39 percent of large, corporate employers surveyed by the National Business Group on Health (NBGH) offer high-deductible plans, also called “consumer-directed” coverage, as workers’ only choice. For next year, that figure is set to drop to 30 percent. “That was a surprise, that we saw that big of a retraction,” said Brian Marcotte, the group’s CEO. “We had a lot of companies add choice back in.” Few if any employers will return to the much more generous coverage of a decade or more ago, … [Read more...] about High-Deductible Health Plans Fall From Grace In Employer-Based Coverage