Quality Health Care Insurance

Let’s face it… we all spend more time at work than any other place. We interact with our co-workers and customers more often then our families. So, it’s important to enjoy the place you work and the people you work with. It’s also important to know that the place you work, and the people you work with, appreciate you. Not just your bank account, but actually your well-being.

Fewer and fewer companies are offering quality health care insurance. According to a survey by the Kaiser Family Foundation and the Health Research Educational Trust, since 2000, health premiums have gone up 73%, while wages have grown 15%. The Kaiser Foundation survey, published each fall before workers choose policies in open-enrollment periods, is considered the definitive measure of what coverage will cost workers and employers.

As the Kaiser report was being released, Starbucks Corp. Chairman Howard Schultz said his company would spend more on health insurance for its employees this year than on raw materials needed to brew its coffee - a sign, he said, that American businesses face a healthcare crisis.

This year researchers, who collected data from 2,995 randomly selected U.S. employers, estimated that premiums for family coverage grew 9.2% from last year. The average worker's share of premiums for family health coverage was $2,713 in 2005, or about a quarter of the total cost. The average employee contribution increased by more than  $1,000 in three years.

According to the article, employers, equally hard-pressed by the rising costs,

Increasingly are dropping health coverage as an employee benefit or offering high-deductible plans that shift more cost - and more risk - to employees. Just 60% of businesses offered health insurance this year, down from 69% in 2000, the study found.

Despite the rise in health premiums, CalNational Bank has continued to offer quality health insurance at a low cost. According to the article—the average share of premiums for family health coverage is $2,713, as compared to CalNational Bank’s $861.64 cost. In three years, CalNational has not increased its health coverage premiums, while other companies have steadily increased costs by almost 40%.

Another example of how we are Making a difference in the lives of our co-workers.

Comments

[Health Care Insurance]

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