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November 20, 2008

Employer-Provided Health Insurance Plans: "One Way, or No Way!"

    Annual deductibles of $1,100 and more for an individual will reportedly be common in the next year.

    That is, if the individual is fortunate to work for an Employer which offers a Health Insurance Plan at all.

    Deductibles on Family Coverage will be even higher.

    Health Insurance Plans with high deductibles were introduced in 2002.  Such Plans have understandably not received good reviews from Employees.  Employees have declined to participate in such Plans where their participation was voluntary.  "But this year, at more than 100 large companies and hundreds of smaller ones, the high-deductible plans are the employer's single take-it-or-leave-it option."  Milt Freudenheim, "Workers See Health Care Menu Shrink" p. B1, col. 1 (New York Times Nat'l Ed., BusinessDay Section, Saturday, November 15, 2008).  See also Lisa Girion, "Deductibles March Higher for Employer-Provided Health Insurance" (Los Angeles Times Online, Thursday, November 20, 2008); Anika Myers Palm, "Employees Dig Deeper in Pockets" p. C1, col. 5 (Orlando Sentinel, "Business & Money" Section, Thursday, November 20, 2008).

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Posted by on November 20, 2008 at 06:08 AM in Health Insurance |

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