health insurance massachusetts law
health insurance massachusetts law
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And the survey says – new numbers for small Biz and health insurance in Texas
A survey published in 2006 by the Health Group Private Health Insurance America's Health Insurance Plans (AHIP), offers a snapshot in small group insurance plans to health Texas and across the country. The survey once again raised the debate on health insurance is affordable enough to allow small businesses to cover their workers, or whether radical changes are necessary.
The survey showed that small businesses – businesses with 50 employees or less – in fact slightly lower level of health care premium reflected in a previous survey of mostly large companies.
"The message is that small businesses have affordable options, AHIP, said President and CEO Karen Ignagni." This survey is the only of its kind in very, very, very small businesses, "he said. "The hypothesis of" under cover "for small Business is not what the data show.
The survey specifically AHIP reports that more than 650,000 showed that small companies paid a monthly premium averaging $ 311 for individual members and $ 814 for a family ( "family" which usually means a family of four).
AHIP officials also noted that the monthly premium per member is below the average premium $ 335 on a poll showed earlier A survey by the Kaiser Family Foundation, which focused on companies with three or more workers. The reduction in premium, officials said AHIP, was due to cost sharing, which tends to be more important in health plans for small businesses compared to large enterprises.
The investigation AHIP – which has divided the small businesses in those with 10 or fewer employees, 11 to 25 employees and 26 to 50 employees – also found that premiums The slightly decreased size of firms has increased.
But the portrait of the investigation of the insurance market robust to small businesses is misleading. The insurance industry could do even better by their mother and POP client if legal barriers are not in the way, Ignagni said.
According to the survey, small state enterprises who want more affordable. "And we want to customize benefits for small businesses but we are hampered by state mandates, said. "We could do more."
But everyone agrees with the results investigation. Todd McCracken, president of the National Small Business Association (NSBA), was skeptical about the AHIP survey and its conclusion on small business access to health coverage for their workers. "Certainly, I do not have health insurance affordable for small companies, he said. "AHIP is trying to make a case that is more affordable people think."
McCracken said that small businesses face unique challenges in their personal coverage, as a greater level of health costs and administrative less stable premiums. Often, a change in a small team workers – such as replacing a worker younger, healthier, with an old, less healthy – can maintain premiums in a constant state of flux. With this exchange rate "More than half of small businesses can not afford health insurance," he said.
The NSBA is currently about 65,000 companies with an average of thirteen employees. McCracken, reiterated that the reduction in premiums for small firms demonstrated in AHIP survey reflect the fact that small businesses are increasingly paying their workers more for health benefits, either in the form of contributions higher premium or a deductible and higher co-payment.
There is also the question of whether the investigation could leave side some of the states where the market is dominated by (non AHIP) Blue Cross & Blue Shield, stricter rules to raise the number of prizes.
McCracken said that his group would support legislation that changed the current premium, based on tax laws of the State – which affect not their own insurance company or who do not buy health insurance – more "large" tax, as income or sales tax. But outside the law, little by little to cure the problem of affordability, "We continue to urge Congress to consider the whole situation, "he said. And how to look scene? "We stand for something similar law recently passed in Massachusetts, where everyone should have health insurance, "McCracken.
About the Author
Pat Carpenter writes for Precedent Insurance Company. Precedent puts a new spin on health insurance. Learn more at Precedent.com
If the job in Massachusetts, but live in Rhode Island, Am I required by law to have health insurance Mass?
No, only if you live and works at Mass BTW Nice question!
