The Healthcare Bottom-Line - Workers Pay More

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A recently released study by the Kaiser house Foundation examining trends in owner healthcare benefits recorded a 5% growth in healthcare premiums for 2008. Premiums for employer-provided plans now median ,704 for a single-person and ,680 for a family. These figures have increased by a imaginable 119% since 1999. Yet, employers have not shouldered the entire burden of these rising costs. They have instead shifted costs off to their employees to the tune of a 117% growth in cost since 1999. Workers now pay, on average, ,543 for singular coverage and ,354 for house coverage. Equally ominous is the fact that a broad peruse of employers found that 40% of respondents expect to growth employee-contributions to all aspects of healthcare coverage in the advent year.

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An even more frightening photograph is painted when the numbers are examined more closely. The median cost made by a worker for a house plan has increased from 9 in 1999 to 0 in 2008. The squeeze on budgets also has a regional flavor with workers in the South paying a monthly fee of 3 for a house plan while workers in the Northeast are expensed in median 6 (although a monthly fee for a single-plan of for Northeast workers is the top in the country). Employment sector and union status is an additional one factor in the division a worker will be forced to pay with wholesale, sell and finance sector workers being asked to pay nearly 20% of singular and nearly 30% of house premiums while federal/state/local government workers, who are generally represented by trade unions, pay only 12% for singular and 21% for family.

Costs inside of plans have also increased sharply. Take for instance the charges by Hmos for visits to a physician's office. In 1999, 83% of plans expensed a co-pay or less. In 2008, nearly 70% of plans fee or more. Things are even murkier when prescription drugs are considered. Tiering, or creating levels of cost for pharmaceuticals, was introduce en-masse in 2000. A scale of three tiers was employed initially. The first-tier cost of drugs has increased from on median in 2000 to in 2008. However, a fourth tier was introduced widely in 2004 priced at . This cost is now and the third tier has increased from in 2000 to in 2008.

The end corollary of this squeeze is, not surprisingly, mountainous profits for health guarnatee clubs and serious pressure on the household budgets of workers. health guarnatee giants Humana (18%), United health (5%) and Aetna (8%) have all reported profit increases for the period from 2006 to 2008. Ceos for clubs were well-rewarded with recompense packages which amounted to million, million and million. Simultaneously, a 2005 study indicated that 50% of personal bankruptcy claims, more than 2 million, were based on debts incurred as a corollary of healing procedures. A correlation has also been made between healthcare and problems with housing together with inability to pay rent or mortgage payments.

In sum, we see that healthcare is a serious class issue. The for-profit health system represents a serious financial drain on working-class households and is interlinked with, the now much publicized, problems in the home-loan mortgage markets. The creation of a single-payer national healthcare guarnatee is therefore the very definition of the term "bailout." The only difference, and this is a key unlikeness in a community in which corporations monopolize political power, is that instead of the government purchasing worthless mortgage-backed securities, the entire community would be relieved of the financial stress of healthcare bills and psychological anxiety of a future where healthcare is not a guarantee.

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