Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. as a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums.
The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control.
How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?
Get rid of the insurance co.'s Start by becoming a self-insured company. as a self-insurer, you have the right to exclude payment for whatever drugs and medical conditions you choose. You should exclude all chronic diseases and cap annual payouts. Encourage your employees to pick up a supplemental private catastropic policy. You will probably notice that your employees will be healthier and able to work harder and miss fewer days because the sick ones will quit.
get rid of asymetric information. With that gone everyone would pay the rate that fits their health level.
we would have to get hospitals, doctors and drug
companies to quit raising their prices first
How do we get insurance companies to reduce medical insurance premiums to employers?
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I would say start off small. meaning that don't change all you bad eating habits all at once otherwise it seems like a giant burden and you're less likely to stick with it. My doctor told me once that simply changing to fat free milk would make me loose up to 10 pounds in a year. that may be a good start. Also try drinking natural juices rather than processed, you'll get less simple sugars and more vitamins. of course whatever you do, keep your doctor in the loop. especially when you already have some medical conditions. best of luck.
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