image by: Fakhruddin Memon

HWN Suggests

We need to rethink employer-provided health insurance

In the era of the gig economy, our outdated health insurance system is too inflexible to meet the needs of millions of Americans. In short, our health care system is broken...

Nearly one in four Americans receive health insurance through the individual market, not from their employer. For one reason or another, we stubbornly adhere to a system that categorizes health insurance as an employee benefit when over the span of an individual’s working career, he or she typically holds more than 12 jobs. This alone shows why it makes little sense that our most vital lifeline, health care insurance, is provided by our constantly changing employer.

It is incredible to witness how…

read full article

Featured

 A Concise Guide To Employer-sponsored Health Insurance Plans

Given the times we live in today, health insurance is a must. It is a protective tool that can secure your employees financially in case of any unforeseen health contingencies. A robust group insurance plan also helps companies reduce employee absenteeism and positively earn the loyalty and trust of the workforce.

Articles of Interest

History Of Employer-Based Health Insurance In The U.S.

Millions of people have lost their jobs due to the coronavirus pandemic. And along with the loss of work, many of those same Americans no longer have health insurance. Now, other developed countries like Britain, Germany, Japan, have different systems - a universal system that covers everyone, regardless of whether you're employed or not.

Accidents Of History Created U.S. Health System

If you want to understand how to fix today's health insurance system, you'd be smart to look first at how it was born. How did Americans end up with a system in which employers pay for our health insurance? After all, they don't pay for our groceries or our gas.

Are Employer-Sponsored Health Plans on Their Way Out?

The history of why we get our benefits from employers dates back to WWII, when companies began using healthcare as a means to attract talent, particularly women. While employer-sponsored health insurance has been the norm ever since, it is clear that consumers’ needs have shifted. One-size-fits-many coverage may no longer cut it for Americans with heightened expectations and diverse health concerns.

Covid-19 Will Transform Health Insurance as We Know It

Now may be the moment to ensure that the system is financially stable and works for everyone, through today’s crisis and into the future.

Did You Lose Your Health Insurance Amid the Coronavirus Pandemic? You May Have Other Options

If you’re among the millions who have lost their employer-provided health insurance, you may have one or more options for affordable coverage. Your choices will depend on your household income, your age, where you live and the employer you or your policy holder had been working for.

Employer Health Insurance Is Increasingly Unaffordable, Study Finds

A relentless rise in premiums and deductibles is putting insurance out of reach for many workers, especially those with low incomes.

Employer-Based Health Care, Meet Massive Unemployment

The coronavirus pandemic is exposing a central flaw in America’s health care system.

Employer-sponsored health insurance isn’t going away. That’s a good thing

America’s current system of employer-sponsored health insurance is an accident of history that emerged from the Great Depression and the Second World War. But that doesn’t mean it’s going away in this era of rebuilding, or at least rethinking, health care. In fact, I believe that employer-sponsored health insurance offers a model for the future.

Health care is getting more and more expensive, and low-wage workers are bearing more of the cost

Half of all Americans get their health insurance through work. Trouble is, doing so is becoming less and less affordable — especially for already low-wage workers.

Here’s the Real Reason People Hate Their Individual Market Health Insurance

The cost transparency that exists in the individual market is one of its few virtues. Successful health reform should bring that transparency to other parts of the market. That will make the public angry—not because they’re being made worse off, but because they’re finally realizing how bad they’ve had it all along.

Is employer-sponsored insurance really a good deal for workers?

In a great historical irony, the evident faults of employer-sponsored insurance are helping fuel a new appetite for Medicare-for-all, a single-payer system where everybody gets health coverage from the government.

Is It Time to Tie Employee Health Care Costs to Pay?

Income-based premiums help make health care affordable to lower-paid employees, at no additional cost to employers.

It’s time to move past employer-based health insurance

The coronavirus shows tying health insurance to jobs is a disaster. Let’s fix it.

Three Cheers for Employer Health Insurance

t gets a bum rap. Data demonstrate it delivers great value to companies, employees and taxpayers.

What’s Wrong with Employer Sponsored Health Insurance

The high proportion of people who get their health insurance through their jobs is one of the most distinctive features of the U.S. health care system.

Who’s the Boss?

Why are our employers making our health insurance choices in the first place?

Why your employer-sponsored insurance may ultimately not be good for you

Putting the parochial interests of companies and employees aside, do employer-paid plans deliver true value to the U.S. health care system overall? The answer, in my view, is only a partial yes.

Resources

Loop

We believe we can make healthcare better for everyone. We’re building a brand new healthcare platform that ensures financial protection from health risks and improves health outcomes.