With the Supreme Court poised to issue a decision on the?Affordable Care Act (ACA)?later this week, the future of the healthcare market is once again on top of our minds. Employers in particular will be watching the case carefully, as the decision will significantly impact the way they offer insurance to their employees.
While we don?t yet know the future, we do know the present. The Kaiser Family Foundation conducted a comprehensive survey?of 500 health insurance agents and brokers throughout the country earlier this year, analyzing their outlook on future market trends and the impact of the ACA. The survey finds that many agents are experiencing significant increases in small business health insurance premiums and deductibles.
- 39 percent of agents say they expect premiums to increase between 11% and 20% in 2012.
- 33 percent expect them to increase between 6% and 10%.
- 51 percent of agents report that the most common deductible amount for single coverage plans today is $2,000 or more, compared to 20 percent who say deductibles were in this range two years ago.
An interesting finding of the survey indicates that agents overwhelmingly oppose the ACA. 73% report they have an unfavorable view of the health reform law, while in contrast, only 40% of the general public say they oppose to the law.??This high opposition by agents is likely related to the fact that three out of four believe they will do worse financially under healthcare reform.
As a small business, health insurance premiums is one of the most significant employee-related cost centers. It is helpful to stay abreast of changing trends and remain proactive in minimizing insurance premium increases. CPEhr has prepared a comprehensive white paper reviewing the current trends in the health care market and how these trends are likely to impact small employers in the months, and years, to come.
Download your free copy today. 2012 Employer Health Care Trends
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