The lessons we learned in preschool…


A story in the Wall Street Journal today describes new health plans that provide fixed premiums for employers. The plans, geared toward small- to medium-sized businesses, the businesses to sign a fixed-price contract with an insurer for a few years. But insurers have to make up the money somehow — and that’s where the concept of sharing — or not — comes in.

Under the plans, worker deductibles could soar between $50 to $2,500. Co-pays for visits would increase as well.

So while the business’ prices are fixed; employees’ aren’t.

As it is now, both businesses and employees alike share in the pain of rapidly increasing costs. A survey last month showed premiums are increasing 8.7 percent. Employees are paying a total of 10 percent more for premiums plus out-of-pocket costs.

This new arrangement shifts all increases solely onto the shoulders of the employees.

So what happened to shared responsibility?

Health Access California promotes quality, affordable health care for all Californians.
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