Tag Archives: employers

Employer survey shows continued move toward less comprehensive health insurance coverage

Joseph Burns

About Joseph Burns

Joseph Burns (@jburns18), a Massachusetts-based independent journalist, is AHCJ’s topic leader on health insurance. He welcomes questions and suggestions on insurance resources and tip sheets at joseph@healthjournalism.org.

Photo by Thomas Hawk via Flickr.com.

Almost every day there is news about the strategies employers are using as they prepare for the Affordable Care Act. Wednesday was a good example. The National Business Group on Health (NBGH) reported that health care costs for its members – large employers – would rise by 7 percent next year, as Helen Adamopoulos wrote at Becker’s Hospital Review. That means 2014 will be the third straight year of 7 percent increases, said NBGH president and chief executive officer Helen Darling.

Just as the Kaiser Family Foundation/Health Research & Educational Trust survey showed last week, the NBGH results demonstrate that employers are shifting more responsibility and costs to workers and families.

Jerry Geisel at Business Insurance via Modern Healthcare pointed out that 22 percent of employers responding to the NBGH survey said they will offer only a consumer-directed health plan (CDHP) next year. “More large employers are reducing the type of health care plans they offer as they try to keep better control of their costs, according to a survey released Wednesday,” he wrote.

In an article for Kaiser Health News, Jay Hancock led with the fact that NBGH’s large employer members are considering moving retirees and part-time workers into health insurance exchanges created under the Affordable Care Act. Continue reading

For wellness programs, more employers using rewards and penalties

Joseph Burns

About Joseph Burns

Joseph Burns (@jburns18), a Massachusetts-based independent journalist, is AHCJ’s topic leader on health insurance. He welcomes questions and suggestions on insurance resources and tip sheets at joseph@healthjournalism.org.

Here’s a trend to watch: More employers are using both financial incentives (the carrot) and penalties (the stick) in wellness programs. A number of publications have covered the issue of employers using penalties, perhaps because the penalties are a relatively new development.

For many years, employers have used incentive payments and other inducements to encourage workers to participate in wellness programs. But a rising number of employers are using financial penalties to encourage participation.

In July, Pennsylvania State University told its employees and their spouses that they would face a $100 monthly surcharge unless they completed a biometric screening and an online wellness profile and certified that they have had or will have a physical exam. Penn State added that it would not have access to the health screening results.

Dena Bunis, managing editor at CQ HealthBeat, covered this story and reports (via the Commonwealth Fund) that as part of the biometric testing, employees and spouses have to get blood pressure and fasting blood tests and height and weight measurements. In emails, faculty and staff have raised questions about why the university decided to encourage participation with a penalty rather than a financial incentive, Bunis wrote. Continue reading