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California Health Insurance: Employers
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A recent development is the ability to offer access to affordable health insurance without the employer paying any of the premium. A licensed health insurance planner conducts an informational meeting at the workplace, then meets with interested employees individually to discuss their needs. Each employee can choose the level of coverage that is best for them and their family, and the premiums are deducted from the emplyees paycheck so the employer can forward the premium payments to the insurance company.
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NEW YORK, U.S. Newswire/ -- With health care costs and insurance premiums rising, many state and federal policymakers are promoting association health plans (AHPs) as a way to expand access to affordable health insurance coverage. But a new report from The Commonwealth Fund warns that self-insured AHPs, or Multiple Employer Welfare Arrangements (MEWAs), which often have less stringent licensing requirements than those imposed on traditional insurers, pose risks to enrollees and could leave them in danger of facing unpaid medical bills if plans become insolvent.
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"Only 13% of contingent workers had health insurance provided by their employer, compared with 72% of noncontingent workers." It is unrealistic to expect employers to provide long-term health benefits to these employees who move in and out of their workforce. Because of changes in income, residency, dependent status, and so forth, it is ... very difficult to provide stable enrollment in public insurance programs.
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Most people groan at the thought of purchasing an individual health insurance plan - and for good reason. Individual health insurance plans are usually more expensive than the ideal health care coverage - employer-sponsored group health insurance plans. However, in New York, you can purchase an affordable individual health insurance plan for a couple of reasons.
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The San Diego Union Tribune has an article (”Cross-border coverage“) profiling entreprenuer Jim Arriola and his low cost health insurance plan covering medical care in both the U.S. and Mexico. His company, Sekure Healthcare, provides a limited-benefit insurance program through employers along with a discount health card program.
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Traditional group insurance coverage, where the employer pays part or all of the health insurance premium, simply is not an option for all but the most profitable and well funded employers. Most companies who do offer group coverage often change providers or reduce coverage on a fairly regular basis in an attempt to control the rising premium costs.
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