After 2007 Employer Health Benefits Survey released recently by the Kaiser Family Foundation and Health Research and Educational Trust, the annual family health insurance premiums averaged $ 12,106 now. Premiums for employer sponsored health insurance have dropped to 6.1% in 2007 compared to 7.7% growth reported in 2006, but still higher than the increase in employee wages (3.7%) or the general rate of inflation (2.6%).
It is a factthat advances in medicine and medical technology health care more expensive and people are made in developed countries live longer. A large group of seniors are constantly coming up medical care, more than younger generations.
These factors lead to a significant increase in the cost of health insurance, including increased costs for social security in the U.S. that his unhealthy eating habits, lack of exercise, obesity, illicit drugs, excessive intake of Alcohol, smoking, lack of health professionals in rural areas have added fuel to rising costs of health insurance.
The only alternative, but to reduce health insurance costs is to avoid conflicts with regular use, intake healthy food or junk food, avoiding addictive and testing, alcohol and smoking etc. may contribute to a healthier lifestyle you of most diseases to protect and not give a certain relief in reducing the rising costs of> Health care.
An idea of Consumer Driven Health Care Plan encourages you (the Americans) in order for the purchase of high deductible go lower-premium insurance is first choice, tax advantages and benefits for Health Incentive Account (HIA), you can make things Manage nice to mean, if you have U.S. dollars in your HIA, you can use them to offset some of your out-of-expenses.
Well, what does Consumer Driven Healthcare (CDHC)? Now, by adapting to your CDHCallowed to participate in health insurance plans through Health Savings Accounts (HSAs), to pay health reimbursement arrangement (HRAS) or similar plans, routine health care costs. While high-deductible health insurance protects you against catastrophic medical expenses. After all the self-employed health insurance is not a bad idea.
High-licensed health insurance is cheaper than low a deductible, but you have to haveenough savings, which with the small costs up to the deductible amount. Well, why HSA? Because the tax-favored medical savings account available in the U.S., which decides for HDHP.
If you use the funds to pay for qualified medical expenses, you will be exempt from taxation. But non-medical costs, depending on the IRA guidelines. Whereas HRAS are partially self-funded health insurance plans with special tax advantages. In partially self-funded program, your employer pays apredetermined part of the medical claim with a cap or limit.
And if this limit is reached, the plan pays an amount equal to the portion of the coinsurance (co-insurance means that if more than one insurer) to the same subject matter of insurance and pay more, until the out-of-pocket maximum or stop-loss amount and then pays 100% of medical claims.
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