Medic 41

Despite the very large number of people who benefit from employer health insurance all over the United States in many companies, there is an alarmingly high number of uninsured too. In terms of marketing policy, employer health insurance represents a strategy to attract and keep good employers within the company as long as possible so the different and varied insurances. Some of them can be used at many different places even  in acupuncture clinic or even covers vital medical and home care-treatment accessories such as blood pressure monitor, carpal tunnel recovery brace etc…. Moreover, the benefits provided by an employer health insurance are less expensive than those purchased individually. Plus, there is a higher level of stability  in the employer-sponsored system than in the independent one. There are some requirements that an employee has to meet in order to be eligible for the system.

Normally, employer health insurance becomes active afterwards a certain period of time, when the employee has a number of worked weekly hours and covers a part of the monthly contribution. Health premiums are more rewarding with large companies and corporations, because small firms usually have a decreased possibility to give employer health insurance because of the very high rates. Many firms that lack insurance coverage often provide a larger wage income to compensate for the health coverage absence.

The absolute majority of workers benefit from employer health insurance coverage, but there is also a considerable number of self-insured that work with companies on the individual market or get coverage through public programs. In some cases, even when sponsored by the employer, the premium rates still remain high, and the employee cannot pay his/her share. This tendency is reflected in the poorer enrollment numbers and it is explained by the decline in incomes, the cost rise of the insurance and people’s money awareness. Insurance through the spouse for instance is better than staying uninsured.

Even if most corporations provide employer health insurance packages, the number of uninsured workers has increased over the last years, and the main causes for this decline are the high employee premium contribution and the lower wages. If the personal contribution is high, few employees will enroll for employer health insurance packages.And this is in the conditions of a 10% discount with larger companies as compared to small ones. In the private market, health insurance has high costs too, although companies don’t lack customers. More people would benefit from health insurance if the very employer health insurance system would drop the monthly rates creating affordable plans for the average employee.