As the political campaigns heat this summer, is the health insurance is more discussed and more. If a country looks at the health insurance companies in the position it is easy to see why this has become an important issue.
Everything you need to do is a quick look at some statistics to worry about health insurance get a notion of why it has moved more and more to the center stage as a political issue. Health has become a major concern of many Americans. The major problem has cost was increasing. Health costs are rising rate with a rate of 6.9% is twice the national inflation rates. Almost $ 2 trillion U.S. dollars in 2005 person spent on health care, which amounts to nearly $ 6,700 per. Furthermore, 16% of the gross domestic product (GDP).
It is estimated that by the year 2015, this will double to $ 4,000,000,000,000 dollars, accounting for as much as 20% of GDP. How this has affected health insurance? The> Health insurance is a framework agreement between an individual and an insurance company. The company receives a premium from a large number of individuals and in return pays the costs for health care from those who are ill. Briefly, the idea is that each raises a little money, and the few who are sick, provided by the payments from those who get to stay healthy.
This system culminated in the 20th century and at a time when health insurance was slightlyavailable for most people and at a price they could afford. The insurance premiums invested wisely and they made a profit. The individual had virtually no worries about health care. You were insured and when they became ill, would be to pay their medical bills. The cost of this safety net was reasonable. However, if health care began to increase in the costs, changed the balance. The insurance companies need to ensure that they were solvent enough to meet theirObligations, and the cost of health care went as, insurance premiums were forced to follow the health.
Now, insurance costs for employers are the health on the rise. The average is 7.7% increase in the cost of providing health insurance to an employer. Smaller companies have seen prices rise by 8.8%, while the little ones, businesses with fewer than 24 employees jumped, have 10.5%. This has meant that more and more of the costs are borne by the employee. It is now freean average of $11,500 per year to provide basic coverage to a family of four. Even a single person must put out around $4,200 a year.
The Health Insurance industry has taken much of the flack for this. They have tried to deal with the problems in many creative ways. Exclusions and limited coverage have become the norm. Also, the basic insurance of our parents and grandparents that cast a complete safety net with few restrictions has become a thing of the past. Yet, still Insurance Companies get a bad reputation when it really costs the health care system are the culprits know that
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