Health insurance costs in the United States

The cost of health insurance in the United States is an important factor in access to health insurance. The rising cost of health insurance causes more consumers to go without coverage and increased insurance costs and a consequent increase in the cost of health care spending have additional health insurance causes high-deductible policies, and other obstacles that require users to pay a larger share of costs. Many people with pre-existing conditions such as cancer and depression declined for coverage, denying coverage conditions or high price to pay for protection

Background

Confirmed U.S. is "the only industrialized country that rely on the industry to profit for health insurance basic health care," said Senator Diane Feinstein said, and Pulitzer Prize-winning PolitiFact monitoring group.  Kaiser Family Foundation, said the cost of health insurance is not only due to the rising cost of health insurance make a profit driven, but also by the rising cost of health care and administrative expenses. 

In 2004, employer health insurance premiums increased by 11.2% to $ 9,950 for family coverage and $ 3,695 funded for one person, according to a survey by the Kaiser Family Foundation and Health Research and Educational Trust. The survey also found that 61% of employees receive health insurance sponsored by employers. 

Five years later, the 2009 study found that health insurance premiums Kaiser employer $ 13,375 for families and $ 4.824 for one person. About 60% of workers receive health insurance sponsored by employers. Less than half (46%) employees of small businesses with 3-9 employees are protected. In 2008, the percentage of Americans refuse to accept any health insurance sponsored by employers for the eighth consecutive year, according to the Kaiser Family Foundation. 

From 1999 to 2009 found the Emperor, that insurance premiums have increased by 131% and 13.1%, respectively, and employees' contributions to premiums increased 128% and 12.8% per annum. In 1999, the average employee premium contribution of $ 1.543, and in 2009, was $ 3,515. For employers, their contribution was $ 4,247 in 1999 and $ 9.860 in 2009. 

Low-income families ", are less likely to buy health insurance, according to figures from the U.S. Census 2008. Approximately 14.5% of households with $ 50,000 to $ 75,000 in health insurance benefits. Though 24.5% of households earning $ 25,000 or less likely to go without health insurance. 

In March 2010 study by the Center for the Study of Health System Change think Washington, DC set up a tank with out-of-pocket costs and health insurance premiums rising faster than family income. Published in the journal Health Affairs, the study "... After taking inflation into account family income stagnated permanent general between 2004 and 2006, while the cost of health premiums pocket and Aug. 1, 5% in the next two years. Overall, the increase in amount of pocket costs on average about 5 percent per year between 2001 and 2006 and is the same for the period 2001-4 and 2004-6 ".  report that found that the biggest improvement is the cost of private health insurance, including middle-income families and high. This study is based on 2001-2006 data. 

Pre-existing conditions

People with existing conditions can not be any common or most, limited coverage or coverage for this condition are more expensive. This is expected to be corrected by the reform bill proposed health care by the U.S. Congress in early 2010. At this time, people have to pay out of their own pockets with the existing situation, and lack of resources for medical tourism will receive treatment in countries or regions other U.S. for medical treatment cheaper. This is very difficult for people who have cancer, heart disease and other diseases Southeast dose treatment Costas susceptibilities in tens of thousands of dollars or more to run in a few days or a few weeks. According to the Kaiser Family Foundation, 21 percent of those who apply for health insurance on their own opposition, higher prices or deny coverage for existing conditions. This situation Azizuzanadi as "existing" by the insurance companies is domestic violence, cancer, asthma, depression, and annual employment of police officers and construction workers. 

Self-employed

9 million alone, there is a bigger problem than people looking for affordable health insurance. Basically, they offer 8% of the U.S. workforce and pay taxes for other employees as well as their own health insurance premiums. Net income to pay taxes of 15.3%, twice as fast as wages. 

Low-income families

For Americans, who earn less than $ 24,000 per year, few have health insurance or public health insurance depend (Medicaid). Sales, more than half of young people 27-37 who have no health insurance. This number is reduced when people reach the age of 40, but also in their late 50s, have more than a third of Americans without health insurance.  Where the law of the new health care reform policy, families with low income receive subsidies to help pay health insurance. This benefit is paid by higher taxes on people with higher incomes.