By Mark S. Gaunya, Jennifer A. Borislow
American healthcare spending reached $2.4 trillion in 2008 and should exceed $4 trillion by means of 2018, with expenditures hovering at to 3 occasions the speed of inflation. conventional medical insurance recommendations have not simply didn't cease the bleeding they have additionally saved americans in the dead of night and robbed them of selection. everyone seems to be chargeable for a small a part of healthcare spending, and participants have the ability to show the location round. Consumer-driven wellbeing and fitness plans (CDHPs) placed wisdom and tool again into people's palms. during this booklet, you will discover: 3 CDHP ideas and the way they interact to decrease coverage charges and enhance the overall healthiness and future health of your staff potent step by step thoughts for growing, enforcing, and handling CDHPs on your office assistance for development a tradition of overall healthiness and health that advantages everybody instruments for interpreting and fine-tuning your well-being plan technique to maximize worker well being, productiveness, and fiscal mark downs 12 months after 12 months Real-life case reports that illustrate how CDHPs are a confirmed way to emerging healthcare expenditures
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Additional info for Bend the healthcare trend: how consumer-driven health & wellness plans lower insurance costs
Doctors, hospitals, insurance companies, government, or employers are to blame. 54/407 Rising Health Insurance Premiums2 These notions aren't necessarily true. As the chart above illustrates, health insurance premiums have increased faster than the rate of inflation and the average worker's wage. Many factors that cause rising costs are well within consumer control. 55/407 The Cause Healthcare trend is the healthcare industry's terminology for inflation, and it's made up of two components: unit cost (the actual cost of healthcare products or services) and utilization (the number of times a healthcare product or service is purchased).
Healthcare costs will always rise, just as the costs of most products and services do. 2. Rising healthcare costs are caused by economic forces beyond their control. 3. It's someone else's fault. Doctors, hospitals, insurance companies, government, or employers are to blame. 54/407 Rising Health Insurance Premiums2 These notions aren't necessarily true. As the chart above illustrates, health insurance premiums have increased faster than the rate of inflation and the average worker's wage. Many factors that cause rising costs are well within consumer control.
According to the BCBSA, in 2004, 147 million people in the US had these or associated illnesses, which are very expensive conditions to treat. 4 60/407 The Current Solution Managed care hasn't ignored the issue of rising healthcare spending, but for the most part, their strategies have run their course and aren't succeeding in holding down costs. Traditional health plans rely on a managed-care structure whose primary aim is to control rising healthcare costs by focusing on preventive care and physician-driven decision-making.