Employers Should Pay Their Fair Share for Health Care PDF Download

Author: Leila Babaeva
Publisher:
ISBN:
Category :
Languages : en
Pages : 7

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Author: Paul Zane Pilzer
Publisher: John Wiley & Sons
ISBN: 1119012112
Category : Business & Economics
Languages : en
Pages : 288

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How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.

Author: Julia Contreras
Publisher:
ISBN:
Category :
Languages : en
Pages : 33

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In this article, written for the symposium on the Future of Employer-Based Health Care, we evaluate Fair Share legislative efforts which target large employers to fund health insurance programs. In January of 2006, Maryland became the first state in the nation to mandate employer contribution to employee health insurance. Around the same time, the AFL-CIO and other worker advocacy groups launched a major health care campaign in 33 other states, demanding that the nation's largest corporations contribute to employee health care provision. The Fair Share Health Care Act (FSHA) was enacted by the Maryland state legislature in an effort to leverage private resources necessary to maintain government-funded health insurance. The Act requires corporations with 10,000 or more employees to spend at least 8 percent of their payroll on health care for their employees or pay the difference of what they do provide into a state fund to defray the costs of uncompensated medical care to the taxpayers of Maryland. This article evaluates the Fair Share campaign in light of the current health care crisis. The past few decades have witnessed a significant increase in both the number of uninsured employees and the number of state citizens enrolled in state funded health insurance and subsequent strains on the state budget. Proponents of the bill argue that corporations should pay their fair share of the current economic burden resulting from uninsured employees. Critics of the bill claim such legislation will impede competition, discourage job creation, and decrease employee wages. The article will further analyze the recent court challenges to FSHA by the Retail Industry Leaders Association (RILA), the possible preemption of Employee Retirement Income Security Act (ERISA), and probable court outcomes.

Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309036437
Category : Medical
Languages : en
Pages : 580

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"[This book is] the most authoritative assessment of the advantages and disadvantages of recent trends toward the commercialization of health care," says Robert Pear of The New York Times. This major study by the Institute of Medicine examines virtually all aspects of for-profit health care in the United States, including the quality and availability of health care, the cost of medical care, access to financial capital, implications for education and research, and the fiduciary role of the physician. In addition to the report, the book contains 15 papers by experts in the field of for-profit health care covering a broad range of topicsâ€"from trends in the growth of major investor-owned hospital companies to the ethical issues in for-profit health care. "The report makes a lasting contribution to the health policy literature." â€"Journal of Health Politics, Policy and Law.

Author: Matthew K. Wynia
Publisher: AMACOM/American Management Association
ISBN: 9780814473849
Category : Business & Economics
Languages : en
Pages : 254

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"Choosing a health care plan that is both ethically sound and financially prudent is one of the biggest challenges facing businesses today. Many people think that high-quality, compassionate health care plans are prohibitively expensive. But in reality, purely cost-driven decisions end up costing businesses more in the long run. Fair health care coverage decisions are actually good for business! Studies show that employees who see their benefits as fair are more likely to stay with their employer, be more productive, and refrain from legal action. Fairness is the best policy -- but employers are uncertain how to reconcile doing what is right with doing what is cost-effective. Ensuring Fairness in Health Care Coverage provides employers with a solid ethical framework for making even the most challenging benefits decisions. Based on a study by the Ethical Force Program, led by the Institute for Ethics at the American Medical Association, this book enables employers to make difficult decisions about the fairness -- and perceived fairness -- of the health benefits they provide, such as: Whether to provide benefits to domestic partners. Whether to give lower coverage for mental than for physical illnesses. Whether to charge employees who smoke or who are obese more for health care coverage. How to differentiate between the various types of health care coverage -- from HMOs to Health Savings Accounts -- and how to determine which will benefit the most employees. Whether to index employee contributions to their salaries, with higher-paid employees paying more for the same benefits. This groundbreaking book provides five ethical guideposts to help employers make such decisions. The guideposts were developed by the Ethical Force Program's extensive interviews with a national expert advisory board representing the perspectives of all major participants in the health care system, including employers, insurance companies, physicians, patients, and regulators, followed by focus groups to further refine the principles. As this book explains, fair decision making should be: Transparent -- being completely open and honest about what decisions are made and why Participatory -- including employees in the decision process Sensitive to value -- providing coverage that is both efficient and effective Consistent -- avoiding favoritism Compassionate -- offering flexibility for special circumstances Authors Matthew Wynia and Abraham Schwab show how to apply these guideposts to practical dilemmas employers face every day. Using real-world examples from their extensive research, they bring the principles to life and provide concrete steps for taking action on sensitive and complex issues. Their analyses of case examples, showing how employers have dealt with specific problems, are particularly enlightening. Creative and compassionate, Ensuring Fairness in Health Care Coverage will help employers design and administer plans for the benefit of their employees and their businesses."

Author: National Academies of Sciences Engineering and Medicine
Publisher:
ISBN: 9780309685061
Category :
Languages : en
Pages :

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The decade ahead will test the nation's nearly 4 million nurses in new and complex ways. Nurses live and work at the intersection of health, education, and communities. Nurses work in a wide array of settings and practice at a range of professional levels. They are often the first and most frequent line of contact with people of all backgrounds and experiences seeking care and they represent the largest of the health care professions. A nation cannot fully thrive until everyone - no matter who they are, where they live, or how much money they make - can live their healthiest possible life, and helping people live their healthiest life is and has always been the essential role of nurses. Nurses have a critical role to play in achieving the goal of health equity, but they need robust education, supportive work environments, and autonomy. Accordingly, at the request of the Robert Wood Johnson Foundation, on behalf of the National Academy of Medicine, an ad hoc committee under the auspices of the National Academies of Sciences, Engineering, and Medicine conducted a study aimed at envisioning and charting a path forward for the nursing profession to help reduce inequities in people's ability to achieve their full health potential. The ultimate goal is the achievement of health equity in the United States built on strengthened nursing capacity and expertise. By leveraging these attributes, nursing will help to create and contribute comprehensively to equitable public health and health care systems that are designed to work for everyone. The Future of Nursing 2020-2030: Charting a Path to Achieve Health Equity explores how nurses can work to reduce health disparities and promote equity, while keeping costs at bay, utilizing technology, and maintaining patient and family-focused care into 2030. This work builds on the foundation set out by The Future of Nursing: Leading Change, Advancing Health (2011) report.

Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309133181
Category : Medical
Languages : en
Pages : 536

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The anthrax incidents following the 9/11 terrorist attacks put the spotlight on the nation's public health agencies, placing it under an unprecedented scrutiny that added new dimensions to the complex issues considered in this report. The Future of the Public's Health in the 21st Century reaffirms the vision of Healthy People 2010, and outlines a systems approach to assuring the nation's health in practice, research, and policy. This approach focuses on joining the unique resources and perspectives of diverse sectors and entities and challenges these groups to work in a concerted, strategic way to promote and protect the public's health. Focusing on diverse partnerships as the framework for public health, the book discusses: The need for a shift from an individual to a population-based approach in practice, research, policy, and community engagement. The status of the governmental public health infrastructure and what needs to be improved, including its interface with the health care delivery system. The roles nongovernment actors, such as academia, business, local communities and the media can play in creating a healthy nation. Providing an accessible analysis, this book will be important to public health policy-makers and practitioners, business and community leaders, health advocates, educators and journalists.

Author: United States. Congress. Senate. Committee on Finance
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 452

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Author: Rosemarie Day
Publisher: Beacon Press
ISBN: 0807018953
Category : Health & Fitness
Languages : en
Pages : 240

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A lively, clear explanation of the American healthcare reform movement from a noted expert—giving women the tools they need to demand fair and affordable coverage for all people Healthcare is one of America’s most dysfunctional and confusing industries, and women bear the brunt of the problem when it comes to both access and treatment. Women, who make 80 percent of healthcare decisions for their families, are disproportionately impacted by the complex nature of our healthcare system—but are also uniquely poised to fix it. Founder and CEO of Day Health Strategies Rosemarie Day wants women to recognize their trouble with accessing affordable care as part of a national emergency. Day encourages women throughout the country to share their stories and get involved, and she illustrates how a groundswell of activism, led by everyday women, could create the incentives our political leaders need to change course. Marching Toward Coverage gives women the clear information they need to move this agenda forward by breaking down complicated topics in an accessible manner, like the ACA (Affordable Care Act), preexisting conditions, and employer-sponsored plans. With more than 25 years working in healthcare strategy and related fields, Day helps the average American understand the business of national health reform and lays out a pragmatic path forward, one that recognizes healthcare as a fundamental human right.

Author: United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 66

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