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health care expenses

health care expenses

To start with health care costs are increasing like crazy. It is 100% fact statement. To prove it will go back to some 50 years. At that time per year per person annual health care expenses are $146 where as in 21st century per head per annum health care expense is $10,000 plus. The reason behind this could be anything but most key discussable reason is US health care industry is depending upon private health care sponsoring companies or private health insurance companies.

Most of the employers in USA are relying on private insurance companies, which are profit based. They also will have peculiar restrictions such as, provider should in their network, if not your out of pocket expenses would increase. In other words, insurance would not cover the amount which they are supposed to cover. There certain medications or tests are only covered in general coverage package. If your health is not so stable and you required to visit doctor frequently then you got to pay more high premiums. (James E. Dalen, March 2010)

Hence, the employers are committed to provide health insurance to their employees are part of benefits package offered to employees along with salary. Increasing amounts of health insurance premiums are alarming companies to for 100s of employees’ health insurance premiums. This is due to increase in chronic diseases like diabetes and heart problems. 85% of insurance premiums increase is caused by these. People are more aware of importance of health but very less people are practicing healthy life style. Which results increase in doctor visits and ER visits.  To reduce the health insurance expense, employers are offering healthy life style options to employees such as reimbursing gym memberships, healthy diet programs, yoga classes to reduce stress so on.(Dieleman, 2017 December)

Works Cited

Dieleman, J. S. (2017 December). 5 Major Factors Driving Healthcare Cost Increases. Canopy health.

James E. Dalen, M. M. (March 2010). We can reduce US health care costs. The American Journal of Medicine.

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