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Share your insurance ideas and expertise. Respond to questions and comments real estate articles [2010-07-24] ... Your can also negotiate with you mortgage lender to eliminate the PMI. This can be done after a period of about 5 yrs. You will have to call your lender and ask about the possibility Reply

Pennsylvania health costs on the rise

Health benefit costs rose at a greater rate in Pennsylvania than in the nation in 2009, new research indicates.

Total health benefit costs for workers in Pennsylvania increased 7.2% in 2009, to an average of $9,408 per employee, according to the annual Mercer National Study of Employer-Sponsored Health Plans. A total of 126 employers headquartered in Pennsylvania were included in the state results.

Nationally, employers’ costs rose by 5.5% last year, the lowest increase in a decade, as large employers added health management programs and small-business owners shifted employees to account-based high-deductible plans, according to Mercer.

For 2010, survey respondents in Pennsylvania estimated that if they made no changes to their current plan, costs would rise by 10.4%. But they expect to lower their cost increase to 6.7% by making changes to plan design and/or plan vendors, Mercer reported.

Cost shifting

In Pennsylvania, 40% of respondents say they will shift costs to their employees in 2010 by raising deductibles, copays/coinsurance or out-of-pocket maximums. Almost half (46%) of respondents in Pennsylvania say they will increase employees’ share of the premium contribution, and 13% will increase employee cost-sharing some other way.

Some means of lowering costs are already in place. In Pennsylvania, 15% of respondents offered a consumer-directed health plan with a Health Savings Account feature and 6% of respondents offered a CDHP with a Health Resources Account feature in 2009.

Exactly 21% of survey participants in Pennsylvania say they are very likely to offer an HSA or HRA in 2010, including those that already offer a CDHP.

The average employee in Pennsylvania paid $91 a month for employee-only coverage for a PPO/POS plan, $91 monthly for an HMO and $96 monthly for a CDHP, Mercer found.

Nationally, PPO deductibles rose sharply in 2009, with the average individual deductible for in-network services reaching nearly $1,100. Regionally, employers in the South reported a median PPO in-network deductible of $1,000.

This story originally appeared in the January 2010 print edition of Insurance & Financial Advisor

Milwaukee Eastside center represents first AthletiCo facility to open across state lines
Milwaukee Eastside center represents first AthletiCo facility to open across state lines

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RECENT COMMENTS

real estate articles
2010-07-24
Your can also negotiate with you mortgage lender to eliminate the PMI. This can be done after a period of about 5 yrs. You will have to call your lender and ask about the possibility insure
all insurance coverage
2010-06-18
Barbara, sorry to hear that. You should call Mutual of Omaha directly: (800) 228-7104. Also call the North Carolina state's insurance office: CONSUMER HELPLINE: 1-800-546-5664 y) or (919)807-6750 insure
Barbara Howland
2010-06-15
My husband and I enrolled in the mutual of omaha medicare supplementary plan N May 16th. We have not hear from the company as of June 15th. Please contact us. The company that sighned us is in another state and they are no help to us in this matter. Please contact us by email. This is putting us in a bind about changing over to Mutual of O and leaving our present company. The company was in South Carolina and we live in NC. insure

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