Economic Slowdown & Health Care Costs in 2009
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Take a look at this article published in the New York times dated May 4, 2008!
By REED ABELSON and MILT FREUDENHEIM Published May 4, 2008 :The economic slowdown has swelled the ranks of people without health insurance.But now it is also threatening millions of people who have insurance but find that thecoverage is too limited or that they cannot afford their own share of medical costs.When Marianne Falacienski’s husband started a new job,:the family could not afford the health plan.Ms. Falacienski, 32, found individual coverage onlyfor him and their daughter, Gabrielle.
The Mounting Burden for Health Care 
Many of the 158 million people covered by employer health insuranceare struggling to meet medical expenses that are much higher than they used to be —often because of some combination of higher premiums, less extensive coverage,With medical costs soaring, the coverage many people have may not adequatelyprotect them from the financial shock of an emergency room visit or a major surgery.For some, even routine doctor visits might now take a back seat to:basic expenses like food and gasoline.“It just keeps eating into people’s income,” said James Corbin, a former unionofficial who works for the local utility in Tucson.
Mr. Corbin said that under their employer’s health plan,:he and his co-workers are now obliged to pay up to $4,000 of their families’annual medical bills, on top of about $1,600 a year in premiums.Five years ago, they paid no premiums and were responsible foronly about $2,000 of their families’ medical bills.
“That’s a big jump,” Mr. Corbin said. “You’ve just lost a month’s pay.”
Already, many doctors say, the soft economy is making some insured peoplehesitant to get care they need, reluctant to spend a $50 co-payment for an office visit. Parents “are waiting longer to bring in their children,” said Dr. Richard Lander,a pediatrician in Livingston, N.J.“They say, ‘The kid isn’t that sick; her temperature is only 102.’ ”
The problem of affording health care is most acute for people withno insurance, a group expected to soon exceed 48 million,but those with insurance say they too are feeling the pain.
Since the recession of 2001, the employee’s average cost of anannual health care premium for family coverage has nearly doubled —to $3,300, up from $1,800 — while incomes have come nowhere close to keeping up.Factor in other out-of-pocket medical costs, and the portion of the average American household’s income that goes toward health care has risen about 12 percent,according to the consulting and accounting firm Deloitte, and is now approachingone-fifth of the average household’s spending.
In a recent survey by Deloitte’s health research center, only 7 percent of peoplesaid they felt financially prepared for their future health care needs.
Experts say that too often for the underinsured, coverage can seem like health insurance in name only — adequate only as long as they have no medical problems.
“There’s a real shift in the burden of health care to people who happen to be sick,” said Paul B. Ginsburg, the president of the Center for Studying Health System Change, a research group in Washington.:
Companies and policy makers have yet to focus on what the faltering economy means for employees’ medical care, said Helen Darling, president of the National Business Group on Health, a Washington association of about 200 large employers.:
Charles Bartee 850-266-7977
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Tags: health care 2009
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