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A Study on the Decline of Employer Provided Health Insurance
whygohome
Posts: 2,305
Seems like something had to be done. Now, we have this cry-baby shitbags complaining that they have to provided healthcare for their employees under Obamacare.
Providing healthcare for your employees!! HOW RADICAL!! HOW SOCIALIST!!! OBAMA HATES AMERICA!!! These assholes make me sick.
From 2007: http://usatoday30.usatoday.com/money/in ... -net_N.htm
From 2008: http://www.epi.org/publication/bp209/
From 2010: http://www.kaiserhealthnews.org/Columns ... Frakt.aspx
From 2012: http://www.epi.org/publication/bp337-em ... insurance/
Some excerpts:
"Most Americans, particularly those under age 65, rely on health insurance offered through the workplace. Thus, given these unemployment trends, it comes as no surprise that the share of Americans under age 65 covered by employer-sponsored health insurance (or ESI) eroded for the tenth year in a row in 2010, falling from 59.4 percent in 2009 to 58.6 percent. However, the situation started deteriorating long before the Great Recession: The share of Americans under age 65 covered by ESI eroded every year from 2000 to 2010, decreasing by a total of 10.6 percentage points. As many as 28 million more people under age 65 would have had ESI in 2010 if the coverage rate had remained at the 2000 level."
This report’s central findings include:
1. In 2010, the share of non-elderly Americans with employer-sponsored health insurance declined for the tenth year in a row, from 59.4 percent in 2009 to 58.6 percent. The total decline from 2000–10 now stands at 10.6 percentage points. In 2010, 13.6 million fewer non-elderly Americans had ESI than in 2000.
As many as 28 million more people under age 65 would have had ESI in 2010 if the ESI coverage rate had remained at its 2000 level.
2. Workers age 18 to 64 experienced losses in job-based coverage, with ESI coverage declining 3.1 percentage points from the last business cycle peak in 2007 to 2010. Among strongly attached workers (those who worked at least 20 hours per week for at least half the year), service-sector workers had the lowest rates of coverage from their own job and experienced the largest declines from 2007 to 2010. Strongly attached workers in small firms are far less likely to have coverage than those in large firms.
3. Children’s employer-sponsored insurance coverage (obtained through their parents) fell 11.9 percentage points from 2000–10, and the gap in ESI access for children by income widened substantially over this period.
The decline in ESI coverage from 2000–10 was felt nationwide, with a statistically significant decrease in non-elderly coverage in all but two states. No state had an increase in the share of its under-65 population with ESI coverage over this period.
4. The decline in ESI coverage has been accompanied by an overall decline in health insurance coverage. In 2010, 49.1 million people under age 65 were uninsured, up by roughly three-quarters of a million people since 2009. The number of uninsured non-elderly Americans is 12.9 million higher than it was in 2000.
5. Workers age 18 to 64 were 30 percent more likely to be uninsured in 2010 than in 2000. Uninsured workers are disproportionately young, Hispanic, less educated, and have lower incomes. The gap between coverage of full-time and part-time workers grew substantially from 2000–10: The share of full-time workers who are uninsured increased 3.2 percentage points, compared with a rise of 9.3 percentage points for part-time workers.
6. Public health insurance is responsible for keeping millions from becoming uninsured, as job-based coverage sharply declined from 2000–10. Public insurance covered 22.5 million more people under age 65 in 2010 than in 2000.
7. Though the Patient Protection and Affordable Care Act, informally known as health reform, will substantially insure more Americans (especially as the 2014 insurance exchange provisions take effect), high unemployment will likely lead to further ESI losses in the next couple of years.
8. Critical provisions in the Patient Protection and Affordable Care Act have helped offset the declines in ESI coverage by insuring young adults through their parents’ health insurance policies.
Providing healthcare for your employees!! HOW RADICAL!! HOW SOCIALIST!!! OBAMA HATES AMERICA!!! These assholes make me sick.
From 2007: http://usatoday30.usatoday.com/money/in ... -net_N.htm
From 2008: http://www.epi.org/publication/bp209/
From 2010: http://www.kaiserhealthnews.org/Columns ... Frakt.aspx
From 2012: http://www.epi.org/publication/bp337-em ... insurance/
Some excerpts:
"Most Americans, particularly those under age 65, rely on health insurance offered through the workplace. Thus, given these unemployment trends, it comes as no surprise that the share of Americans under age 65 covered by employer-sponsored health insurance (or ESI) eroded for the tenth year in a row in 2010, falling from 59.4 percent in 2009 to 58.6 percent. However, the situation started deteriorating long before the Great Recession: The share of Americans under age 65 covered by ESI eroded every year from 2000 to 2010, decreasing by a total of 10.6 percentage points. As many as 28 million more people under age 65 would have had ESI in 2010 if the coverage rate had remained at the 2000 level."
This report’s central findings include:
1. In 2010, the share of non-elderly Americans with employer-sponsored health insurance declined for the tenth year in a row, from 59.4 percent in 2009 to 58.6 percent. The total decline from 2000–10 now stands at 10.6 percentage points. In 2010, 13.6 million fewer non-elderly Americans had ESI than in 2000.
As many as 28 million more people under age 65 would have had ESI in 2010 if the ESI coverage rate had remained at its 2000 level.
2. Workers age 18 to 64 experienced losses in job-based coverage, with ESI coverage declining 3.1 percentage points from the last business cycle peak in 2007 to 2010. Among strongly attached workers (those who worked at least 20 hours per week for at least half the year), service-sector workers had the lowest rates of coverage from their own job and experienced the largest declines from 2007 to 2010. Strongly attached workers in small firms are far less likely to have coverage than those in large firms.
3. Children’s employer-sponsored insurance coverage (obtained through their parents) fell 11.9 percentage points from 2000–10, and the gap in ESI access for children by income widened substantially over this period.
The decline in ESI coverage from 2000–10 was felt nationwide, with a statistically significant decrease in non-elderly coverage in all but two states. No state had an increase in the share of its under-65 population with ESI coverage over this period.
4. The decline in ESI coverage has been accompanied by an overall decline in health insurance coverage. In 2010, 49.1 million people under age 65 were uninsured, up by roughly three-quarters of a million people since 2009. The number of uninsured non-elderly Americans is 12.9 million higher than it was in 2000.
5. Workers age 18 to 64 were 30 percent more likely to be uninsured in 2010 than in 2000. Uninsured workers are disproportionately young, Hispanic, less educated, and have lower incomes. The gap between coverage of full-time and part-time workers grew substantially from 2000–10: The share of full-time workers who are uninsured increased 3.2 percentage points, compared with a rise of 9.3 percentage points for part-time workers.
6. Public health insurance is responsible for keeping millions from becoming uninsured, as job-based coverage sharply declined from 2000–10. Public insurance covered 22.5 million more people under age 65 in 2010 than in 2000.
7. Though the Patient Protection and Affordable Care Act, informally known as health reform, will substantially insure more Americans (especially as the 2014 insurance exchange provisions take effect), high unemployment will likely lead to further ESI losses in the next couple of years.
8. Critical provisions in the Patient Protection and Affordable Care Act have helped offset the declines in ESI coverage by insuring young adults through their parents’ health insurance policies.
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And now all of these CEOs are bitching and whining about the ACA. Since Obama is in office, providing healthcare to your employees is a "radical" idea. Socialism man, socialism.
Typo Man: "Thanks kidz, but remembir, stay in skool!"
Get the Facts:
Busting the Top 10 Myths on the Affordable Care Act Doctors for America is a national movement of doctors and medical students who are working together to improve the health of the nation and to ensure that everyone has access to affordable, high-‐quality health care.
DrsForAmerica.org
MYTH #1: It’s too complicated to understand any of it.
FACT: The basics are simple. 32 million more Americans will be insured. The worst insurance company abuses will end. We will start improving quality and controlling cost for everyone.
FACT: HealthCare.gov explains the law and how it will be rolled out.
MYTH #2: It hasn’t helped anyone.
FACT: Insurance now covers: 1) Children with pre-existing conditions, 2) 2.5 million young adults through age 26 who can
now stay on their parents’ plans, 3) Adults with pre-existing conditions who can now sign up for high-risk plans
FACT: No more insurance company caps on how much they will spend on your heath care.
MYTH #3: We can’t afford to have it.
FACT: We can’t afford not to have it. By promoting access to the right care, at the right place, at the right time, the
Affordable Care Act was designed to save money while keeping people healthier.
MYTH #4: It hurts Medicare and seniors.
FACT: Seniors get help affording prescription drugs.
FACT: Seniors get annual checkups with no copays.
FACT: It invests in making Medicare work better for the long run for seniors and doctors.
MYTH #5: It’s increasing premiums and costs for families.
FACT: Private employer-based health premiums were skyrocketing before the law, and it will help change that.
FACT: Insurance companies now have to explain why they are raising rates on a public website.
FACT: If insurance companies don’t spend enough of your premium dollars on health care, they are now required to send
you a rebate at the end of the year.
MYTH #6: It’s hurting small businesses.
FACT: Many small businesses with fewer than 50 employees are now getting tax credits of up to 35% of health insurance
premiums. Beginning in 2014, many small businesses will be eligible for tax credits up to 50% of insurance premiums.
MYTH #7: It’s unconstitutional.
FACT: Most law experts have said health reform is constitutional, and most judges - even the most conservative - agree.
MYTH #8: It’s all about insurance and not about health.
FACT: It creates a national Prevention Fund - a long overdue investment in improving health and preventing chronic
disease. Communities across the country are already using grant money to help people live healthier lives.
FACT: It invests in training more doctors, nurses, and other health professionals
MYTH #9: It’s all about insurance and not about cost.
FACT: The Medicare and Medicaid Center for Innovation is promoting new models, innovations, and research across the
country to start improving care while decreasing costs.
FACT: The law invests in improving quality and coordination of care.
MYTH #10: It’s a government takeover of health care.
FACT: The Affordable Care Act is a partnership between the government and businesses, communities, hospitals,
doctors, and patients. It strengthens the private insurance market while protecting people and their health.
FACT: The more we know, the more we can get to
better health and better health care for our families and our country!
SOME employers provide health INSURANCE as a benefit.
I wish this had never become a benefit of employment. I think people should have to buy health insurance out of their own pocket so they could see what a farce it is and change it by making informed choices.
Can anyone give a logical reason why health insurance is paid by "remote control" out of employees salaries before they ever receive the pay?
Heck - why don't we have employer provided grocery insurance, clothing insurance, cable TV insurance and car payment insurance? If all of those things came out of our paycheck before we received it and we used a 3rd party to buy those things for us, they'd all be out of control like health insurance.
...are those who've helped us.
Right 'round the corner could be bigger than ourselves.
http://www.nytimes.com/2012/10/21/opini ... =all&_r=2&
Typo Man: "Thanks kidz, but remembir, stay in skool!"
You're right. I should have used health insurance; both terms are used interchangeably and shouldn't be. Title of thread edited.
And, I agree: let people buy insurance on the private market. This is what an individual mandate and health insurance exchanges do.
This will provide relief for business owners and will hopefully lead to more hiring. But, the business world has gotten everything they have wanted over the past thirty years, especially today since taxes are historically low. Despite their bitching and whining they--at last the ownership class- have it pretty good.
They should just come out and say that they want everything privatized, from school to healthcare. Enough bull shitting.
Can you imagine what would have happened to people's social security if Paul Ryan and W would have succeeded in privatizing social security?
Hooray facts!
Rising costs of healthcare. We can't afford to NOT to something, especially if that something was, at one time, bipartisan, and if that something possesses many capitalist, free-market qualities