Four Out of Five Working Families Do Not Have Health Insurance, Says Report

Wednesday, February 10th, 2010 at 6:25 am

In a modern press release, Families USA has reported that nearly 1 in 3 people in America were uninsured during 2006-2007. The explore found that the highest percentage of people who were uninsured for some portion of the year are working families. When it comes to health insurance, or the lack of it, age and hurry don’t matter. 89.6 people in America do not have health insurance.

Four out of five people have gone without health insurance
Four out of five of the uninsured came from families where at least one person was employed full-time. Out of the 89.6 million uninsured people, 64 million are between the age of 18 and 64. More than a third of those people are between ages 25 to 44, the one age group with the highest number of uninsured people.

The novel stare revealed that 17 million more people are going without health insurance than in 1999-2000, when the observe was last done. In 1999-2000, only 72.5 million people had gone without health insurance.

Most people without health insurance work
Of the 89.6 uninsured Americans, 70.6 percent worked full-time, and 8.7 worked part-time. Nearly two-thirds of Americans were uninsured for a period of six months or more.

States with the most uninsured people
States with the highest number of uninsured people during 2006-2007 were:
California (13.0 million)
Texas (9.3 million)
Florida (6.0 million)
New York (5.5 million)
Illinois (3.6 million)
Georgia (3.1 million)
Ohio (2.9 million)
Pennsylvania (2.9 million)
North Carolina (2.6 million)
Michigan (2.5 million)
New Jersey (2.4 million).

High percent of uninsured people
The previous eye was done in 1999-2000. The numbers of uninsured have risen dramatically since then. In 20 states plus the District of Columbia, more than a third residents under age 65 went without health insurance for all, or section of, two years. Only five years before, there were only 11 states with this jam.
As of the current survey:
* Nearly half of all Texans (45.7 percent) went without insurance for at least portion of a two-year period. The other states and the percent of uninsured were:

* Over 40 percent of residents in Arizona, California, Florida, and Recent Mexico were uninsured.

* Over 30 percent of residents in Arkansas, Alabama, Alaska, Colorado, District of Columbia, Georgia, Louisiana, Mississippi, Montana, Nevada, North Carolina, Oklahoma, Oregon, South Carolina, Utah, and West Virginia went without health insurance.

Basis of survey
Their findings are based upon information from the Census Bureau’s Fresh Population Eye that is released every year, and the Gawk of Income and Program Participation. The Lewin Group helped Families USA compile and statistically review the data.

Source:
http://media.prnewswire.com/en/jsp/main.jsp? resourceid=3561300

In a modern press release, Families USA has reported that nearly 1 in 3 people in America were uninsured during 2006-2007. The leer found that the highest percentage of people who were uninsured for some piece of the year are working families. When it comes to health insurance, or the lack of it, age and bustle don’t matter. 89.6 people in America do not have health insurance.

Four out of five people have gone without health insurance
Four out of five of the uninsured came from families where at least one person was employed full-time. Out of the 89.6 million uninsured people, 64 million are between the age of 18 and 64. More than a third of those people are between ages 25 to 44, the one age group with the highest number of uninsured people.

The new search for revealed that 17 million more people are going without health insurance than in 1999-2000, when the glance was last done. In 1999-2000, only 72.5 million people had gone without health insurance.

Most people without health insurance work
Of the 89.6 uninsured Americans, 70.6 percent worked full-time, and 8.7 worked part-time. Nearly two-thirds of Americans were uninsured for a period of six months or more.

States with the most uninsured people
States with the highest number of uninsured people during 2006-2007 were:
California (13.0 million)
Texas (9.3 million)
Florida (6.0 million)
New York (5.5 million)
Illinois (3.6 million)
Georgia (3.1 million)
Ohio (2.9 million)
Pennsylvania (2.9 million)
North Carolina (2.6 million)
Michigan (2.5 million)
New Jersey (2.4 million).

High percent of uninsured people
The previous discover was done in 1999-2000. The numbers of uninsured have risen dramatically since then. In 20 states plus the District of Columbia, more than a third residents under age 65 went without health insurance for all, or portion of, two years. Only five years before, there were only 11 states with this scrape.
As of the current survey:
* Nearly half of all Texans (45.7 percent) went without insurance for at least portion of a two-year period. The other states and the percent of uninsured were:

* Over 40 percent of residents in Arizona, California, Florida, and Fresh Mexico were uninsured.

* Over 30 percent of residents in Arkansas, Alabama, Alaska, Colorado, District of Columbia, Georgia, Louisiana, Mississippi, Montana, Nevada, North Carolina, Oklahoma, Oregon, South Carolina, Utah, and West Virginia went without health insurance.

Basis of survey
Their findings are based upon information from the Census Bureau’s Unusual Population Sight that is released every year, and the Contemplate of Income and Program Participation. The Lewin Group helped Families USA compile and statistically review the data.

Source:
http://media.prnewswire.com/en/jsp/main.jsp? resourceid=3561300

Related Blogs

Share and Enjoy:

Temporary Health Insurance

Thursday, December 17th, 2009 at 10:34 pm

Leave your comment

***WHAT ON EARTH IS TEMPORARY HEALTH INSURANCE?

Many if not most, people have never heard of temporary health insurance until suddenly they need it. Into most lives a gap must tumble. People are in between jobs, on strike; working but benefits have not yet kicked in. Or they may be original graduates who had health insurance throughout college and now they are now they are out pounding the pavements without any health insurance. For these reasons temporary health insurance is there for all those in between times. It will cloak you from one to twelve months.

***IS TEMPORARY HEALTH INSURANCE LIKE REGULAR INSURANCE?

Yes and no. For starters, it never ever covers pre-existing conditions. No, nyet, no diagram, nada, and N.O. Nor does it mask preventative, routine health care. That means no physicals, no routine blood work, no mammograms. There is no financial succor whatsoever to a temporary health insurance company for providing this kind of coverage. Other than these exceptions, temporary health insurance is fair noteworthy like regular health insurance.

***ARE THERE SPECIAL COMPANIES FOR TEMPORARY HEALTH INSURANCE?

Do you mean something like Temporary Contemporary or Memp Temp, headquartered in Memphis Tennessee? No, it’s the same faded companies that you cherish, dislike, or are indifferent to. Blue Imperfect, Aetna, Humana and many others offer a wide range of plans. There are a number of sites on the Internet where you can come by quotes and details. Always go to your library and read the aid issues of Consumer Reports that rate insurance companies.

***HOW Considerable DOES IT COST?

Let’s say you are a 40-year-old woman. If you pick no deductible, your rates will be around $200 a month but they go all the design down to $100 if you win a $5000 deductible. There are also co-pays running from 20% to 50%.

In other words, it ain’t cheap. If you are flat broke and have no income or assets-no savings, stocks or bonds, no runt chalet in Vale-you can go to your local welfare office and derive your state’s version of Medicaid.

***DO I REALLY NEED TEMPORARY HEALTH INSURANCE? I’M VERY HEALTHY.

You’re out job hunting and you’ve got on your classy pair of spike heels. Your feet are killing you but you bravely pound the pavement. Suddenly that miniature heel catches in a crack and you twist and plunge. There is a sickening “thunk” as your head hits the pavement. Now you have a spiral demolish to the leg and a brain injury. The doctors have to operate on your leg and drain the fluid from your brain. You are now thousands of dollars in debt and your salary from any job you bag will be broken-down to pay off this debt. You determine. Do you need temporary health insurance?

***WHAT ON EARTH IS TEMPORARY HEALTH INSURANCE?

Many if not most, people have never heard of temporary health insurance until suddenly they need it. Into most lives a gap must drop. People are in between jobs, on strike; working but benefits have not yet kicked in. Or they may be new graduates who had health insurance throughout college and now they are now they are out pounding the pavements without any health insurance. For these reasons temporary health insurance is there for all those in between times. It will cloak you from one to twelve months.

***IS TEMPORARY HEALTH INSURANCE LIKE REGULAR INSURANCE?

Yes and no. For starters, it never ever covers pre-existing conditions. No, nyet, no design, nada, and N.O. Nor does it hide preventative, routine health care. That means no physicals, no routine blood work, no mammograms. There is no financial support whatsoever to a temporary health insurance company for providing this kind of coverage. Other than these exceptions, temporary health insurance is comely worthy like regular health insurance.

***ARE THERE SPECIAL COMPANIES FOR TEMPORARY HEALTH INSURANCE?

Do you mean something like Temporary Contemporary or Memp Temp, headquartered in Memphis Tennessee? No, it’s the same faded companies that you esteem, disfavor, or are indifferent to. Blue Improper, Aetna, Humana and many others offer a wide range of plans. There are a number of sites on the Internet where you can gain quotes and details. Always go to your library and read the wait on issues of Consumer Reports that rate insurance companies.

***HOW Powerful DOES IT COST?

Let’s say you are a 40-year-old woman. If you acquire no deductible, your rates will be around $200 a month but they go all the intention down to $100 if you remove a $5000 deductible. There are also co-pays running from 20% to 50%.

In other words, it ain’t cheap. If you are flat broke and have no income or assets-no savings, stocks or bonds, no minute chalet in Vale-you can go to your local welfare office and fetch your state’s version of Medicaid.

***DO I REALLY NEED TEMPORARY HEALTH INSURANCE? I’M VERY HEALTHY.

You’re out job hunting and you’ve got on your classy pair of spike heels. Your feet are killing you but you bravely pound the pavement. Suddenly that diminutive heel catches in a crack and you twist and drop. There is a sickening “thunk” as your head hits the pavement. Now you have a spiral break to the leg and a brain injury. The doctors have to operate on your leg and drain the fluid from your brain. You are now thousands of dollars in debt and your salary from any job you win will be extinct to pay off this debt. You settle. Do you need temporary health insurance?

Share and Enjoy:

The ABCs of Health Insurance

Thursday, November 26th, 2009 at 4:59 am

Leave your comment

Choosing the good health insurance can be a difficult and confusing endeavor. The primer below is designed to give you a basic overview of what to seek for in an insurance notion.

How to Glean Health insurance

If you are fortunate enough to earn health insurance through your job, your out-of-pocket costs are most likely deducted from your check. Many companies offer basic coverage including emergency room costs, doctor’s visits, prescriptions, x-rays, lab tests and chiropractic care. Additional health insurance is often available to screen dental, vision and long term conditions. This type of supplemental health insurance will most likely involve additional fees.

If you freelance or are a puny business owner, you may need to prefer an individual health insurance policy. This can be accomplished by contacting a health insurance carrier or by contacting an insurance broker. The attend of using an insurance broker is that a broker is not tied to any one carrier and can provide you with a variety of different rates.

However, a ticket of caution about choosing an individual health insurance plan-Be distinct to check the rating of your company with A.M. Best, which evaluates the fiscal health of various insurance agencies. If the carrier’s rating is less than A, you need to preserve searching for other options.

Types of Health insurance

There are two main types of health insurance; fee for service plans and managed care. Under fee for service plans, you will need to submit a claim for each medical cost. You are then reimbursed for each covered expense.

Under managed care, definite rules and regulations apply to retain healthcare costs as gross as possible. PPOs and HMOs are two types of managed care plans. With PPOs, you have the option to notice any doctor within the PPO network. You may also be referred by a PPO doctor to another doctor outside the network and peaceful receive the lower cost. However, if you determine to contemplate a PPO doctor outside of the network without a referral, your bill may be significantly higher.

HMOs stipulate that you must visit a doctor within the HMO network with the exception of emergencies. HMOs are superior for covering routine medical costs such as checkups, flu shots and hearing tests. However, although HMOs are considerably easier on the pocketbook, they offer considerable less flexibility than PPOs.

Health insurance Checklist

Whether comparing programs offered through your job or shopping for health insurance on your possess, you should bewitch the following into consideration:

-Your overall health and the health of your family.

-How the health insurance view handles fundamental care.

-Out of pocket costs to you.

When investigating a health insurance carrier, you may want to ask yourself the following questions:

-How often will you need to peek a doctor? Do you or any family members require specialized care?

-Will the opinion veil the basics beyond annual office visits? How does the health insurance view handle maternity care, prescriptions, surgery, hospitalization, lab costs and other medical fees?

-Is there a deductible or amount of money that you need to pay before the health insurance opinion begins to extend coverage? What is the co-pay, if any? (A co-pay is the contrast between what the carrier covers and what you pay out.)

-How distinguished will it cost to seek a doctor outside of your conception?

All of these factors need to be carefully considered before choosing a health insurance notion.

Supplemental Health insurance

Beyond basic health insurance, you may wish to investigate supplemental coverage such as vision care, dental care, disability insurance and long-term care insurance. For instance, many plans screen dental cleanings and view exams, but do not shroud more extensive procedures. Disability insurance pays out an income if you are unable to work and long term care insurance can camouflage costs associated with an extended illness, such as at home care and physical therapy.

Win care to fully investigate the terms any supplemental health insurance that you resolve to seize.

Choosing the just health insurance can be a difficult and confusing endeavor. The primer below is designed to give you a basic overview of what to gape for in an insurance concept.

How to Rep Health insurance

If you are fortunate enough to regain health insurance through your job, your out-of-pocket costs are most likely deducted from your check. Many companies offer basic coverage including emergency room costs, doctor’s visits, prescriptions, x-rays, lab tests and chiropractic care. Additional health insurance is often available to hide dental, vision and long term conditions. This type of supplemental health insurance will most likely involve additional fees.

If you freelance or are a runt business owner, you may need to grasp an individual health insurance policy. This can be accomplished by contacting a health insurance carrier or by contacting an insurance broker. The relieve of using an insurance broker is that a broker is not tied to any one carrier and can provide you with a variety of different rates.

However, a notice of caution about choosing an individual health insurance plan-Be determined to check the rating of your company with A.M. Best, which evaluates the fiscal health of various insurance agencies. If the carrier’s rating is less than A, you need to withhold searching for other options.

Types of Health insurance

There are two main types of health insurance; fee for service plans and managed care. Under fee for service plans, you will need to submit a claim for each medical cost. You are then reimbursed for each covered expense.

Under managed care, obvious rules and regulations apply to maintain healthcare costs as indecent as possible. PPOs and HMOs are two types of managed care plans. With PPOs, you have the option to search for any doctor within the PPO network. You may also be referred by a PPO doctor to another doctor outside the network and detached receive the lower cost. However, if you choose to look a PPO doctor outside of the network without a referral, your bill may be significantly higher.

HMOs stipulate that you must visit a doctor within the HMO network with the exception of emergencies. HMOs are ample for covering routine medical costs such as checkups, flu shots and hearing tests. However, although HMOs are considerably easier on the pocketbook, they offer distinguished less flexibility than PPOs.

Health insurance Checklist

Whether comparing programs offered through your job or shopping for health insurance on your absorb, you should select the following into consideration:

-Your overall health and the health of your family.

-How the health insurance thought handles fundamental care.

-Out of pocket costs to you.

When investigating a health insurance carrier, you may want to ask yourself the following questions:

-How often will you need to study a doctor? Do you or any family members require specialized care?

-Will the understanding cloak the basics beyond annual office visits? How does the health insurance conception handle maternity care, prescriptions, surgery, hospitalization, lab costs and other medical fees?

-Is there a deductible or amount of money that you need to pay before the health insurance belief begins to extend coverage? What is the co-pay, if any? (A co-pay is the dissimilarity between what the carrier covers and what you pay out.)

-How noteworthy will it cost to survey a doctor outside of your notion?

All of these factors need to be carefully considered before choosing a health insurance belief.

Supplemental Health insurance

Beyond basic health insurance, you may wish to investigate supplemental coverage such as vision care, dental care, disability insurance and long-term care insurance. For instance, many plans conceal dental cleanings and glance exams, but do not conceal more extensive procedures. Disability insurance pays out an income if you are unable to work and long term care insurance can mask costs associated with an extended illness, such as at home care and physical therapy.

Acquire care to fully investigate the terms any supplemental health insurance that you decide to seize.

Share and Enjoy:

Top 5 Reasons to Offer Your Employees Small Business Group Health Insurance

Thursday, October 29th, 2009 at 11:47 pm

Leave your comment

With the soaring costs of Health insurance, the financial toll on your microscopic business may force you to pass on more of the costs to your employees, or to halt offering health benefits altogether. Before you produce your decision, reflect these five vital reasons why offering your employees Group Health Insurance may be money well-spent:

To attract and preserve the best employees in a competitive job market
Survey after contemplate has shown that after monetary compensation, employees value health insurance benefits over any other aspect of their job. Group health insurance benefits may well be the deciding factor for a prospective employee who may be choosing between your job offer and a similar one offering the same pay. A competitive health benefits package is also very likely to relieve you support your best workers.

To earn affordable health insurance coverage for yourself
If you have or are shopping for insurance for yourself and your family, you will score that an individual health insurance conception is likely more expensive than a group health idea. The more employees you have, the lower the rates you can obtain.

To grasp advantage of available tax incentives for your business
There are a number of well-known tax incentives offered to businesses that offer employees health insurance benefits. As a business owner, you can usually deduct 100% of your group health insurance premiums on qualifying plans. If your group conception is offered as a total compensation package, you may also prick your payroll taxes.

To offer your employees tax deductions
Your employees, in their turn, will reap tax advantages by paying for their health insurance using pre-tax dollars ï¿½â‚¬” their insurance premiums are taken from their pay check before their taxes. If they bought their contain individual health insurance, they would have to pay for it with after-tax dollars. It may also potentially lower their tax bracket. Secondly, if you offer a Health Savings Conception, not only will your employees attend from lower premiums, but any earnings made on the Health Savings Fable will also find tax free.

To increase productivity and lower absenteeism
Research has shown that people who have health insurance are far more likely to capture preventative health care measures than those without insurance. This makes them less likely to descend ill or to let an illness or injury progress to an advanced stage before getting medical attention.
What’s more, health insurance benefits have been shown to lower the incidents of absenteeism – satisfied healthy employees are more likely to exhibit up for work, and to be more productive on the job.

Conclusion
Despite its rising costs, there are many reasons why group health insurance is satisfactory for your business and employees. For ways to put on your Dinky Business Group Health Insurance, hold a witness at this article: Top 5 Tips For Saving Money on Slight Business Group Health Insurance.

With the soaring costs of Health insurance, the financial toll on your slight business may force you to pass on more of the costs to your employees, or to discontinuance offering health benefits altogether. Before you do your decision, contemplate these five valuable reasons why offering your employees Group Health Insurance may be money well-spent:

To attract and keep the best employees in a competitive job market
Survey after glimpse has shown that after monetary compensation, employees value health insurance benefits over any other aspect of their job. Group health insurance benefits may well be the deciding factor for a prospective employee who may be choosing between your job offer and a similar one offering the same pay. A competitive health benefits package is also very likely to wait on you sustain your best workers.

To come by affordable health insurance coverage for yourself
If you have or are shopping for insurance for yourself and your family, you will accept that an individual health insurance thought is likely more expensive than a group health conception. The more employees you have, the lower the rates you can come by.

To remove advantage of available tax incentives for your business
There are a number of essential tax incentives offered to businesses that offer employees health insurance benefits. As a business owner, you can usually deduct 100% of your group health insurance premiums on qualifying plans. If your group thought is offered as a total compensation package, you may also crop your payroll taxes.

To offer your employees tax deductions
Your employees, in their turn, will reap tax advantages by paying for their health insurance using pre-tax dollars ï¿½â‚¬” their insurance premiums are taken from their pay check before their taxes. If they bought their believe individual health insurance, they would have to pay for it with after-tax dollars. It may also potentially lower their tax bracket. Secondly, if you offer a Health Savings Understanding, not only will your employees abet from lower premiums, but any earnings made on the Health Savings Record will also net tax free.

To increase productivity and lower absenteeism
Research has shown that people who have health insurance are far more likely to recall preventative health care measures than those without insurance. This makes them less likely to descend ill or to let an illness or injury progress to an advanced stage before getting medical attention.
What’s more, health insurance benefits have been shown to lower the incidents of absenteeism – ecstatic healthy employees are more likely to explain up for work, and to be more productive on the job.

Conclusion
Despite its rising costs, there are many reasons why group health insurance is excellent for your business and employees. For ways to establish on your Tiny Business Group Health Insurance, choose a leer at this article: Top 5 Tips For Saving Money on Slight Business Group Health Insurance.

Share and Enjoy:

What Is Single Payer Affordable Health Insurance Plan

Monday, October 5th, 2009 at 10:54 am

Leave your comment

With no health care and other medical benefits that their counterparts enjoy, self-employed and freelancers are out on the lurch. There is no safety net for the independent workforce, until Sarah Horowitz spear-headed an insurance program called Freelancers harmony.

Sarah Horowitz may be the answer to non-insureds prayer. A New York-based Freelancers Union fulfills many frustrating workforces attempts to obtain affordable insurance, and the Union currently announced its plans to start its own insurance company with the aim of offering a cheap system with good insurance.

A Cornell University graduate, Sarah Horowitz, is a former labor attorney and union organizer. Her goal is to form a union where freelancers with their collective power generate a group purchasing of insurance, funds and advocacy. The spectrum of services incorporates health and dental coverage, disability, survival insurance where rates are charged based on member casrns, And many independent contractors are still so grateful that Horowitz has championed their cause, and make a success of providing the insurance.

Thats the Enterprising information feature presented by Jim Lehrer on PBS News Hour tonight.

Started in 1995, is a central non-profit firm called Freelancers Union grew out of the Americas growing independent workforce accounting for about 30% of the entire workforce.

The insurance is a better option than COBRA (an insurance program for continued insurance subsequent to permitting profession, other than this is relatively expensive). There are eligibility guidelines to be met, but once youre in, there is no crave to take justifying the eligibility.

American corporations are cost clipping and increase flexibility and the resulting consequence is increased independent workforce. According to the Freelancers Union, the workforce includes “the segment of the labor force functioning outside of standard employment arrangements as independent contractors, temporary workers, contract workers, leased workers, part-time workers, on-call workers, daylight hours laborers, and the self-employed.”

The FAQ have answers to most questions regarding eligibility and information about the company.

To be eligible for insurance, the applicant must a) be an independent worker, b) be a U.S. resident, c) work in an eligible industry or occupation and d) having documentation revelation 20 hours worked in the last 8 weeks or earned at least $10,000 in the last six months.

The eligible industries are restrained but used to without difficulty cover one industry when they first started in 2001. The industries covered are: a) Arts, Design & Entertainment, b) Domestic Child Care Giver, c) Financial Services, d) Media & Advertising, f) Nonprofit, g) Skilled machine User, h) Technology and i) Traditional or Alternative Health Care Provider. Over time, more benefits to cover more industries are added as negotiations continue with insurance carriers. A survey taken giving them suggestions helps them understand the needs of members that may have be able to cover and it also signs you up for the monthly e-newsletter for important notifications.

Not everyone in the independent workforce is eligible to participate in the Freelancers Union presently, however, for those who are eligible, it bestows a safety net of insurance and other health insurance products that they never capable. Freelancers Union continues to work to increase more eligible industries.

President Obama hopes to provide insurance events for millions of Americans who are not covered and this company could be the wheel to begin the experiment, instead of trying to reinvent the wheel from scratch.

Source

Comments regarding Freelancers Union membership http://forums.macresource.com/read/1/703201

http://www.freelancersunion.org/

What is the Freelancers Union? http://www.sitepoint.com/blogs/2009/03/19/what-is-the-freelancer%25e2%2580%2599s-union-and-do-you-need-to-join/

http://www.pbs.org/now/shows/407/freelance-facts.html

PBS Benefits Denied http://www.pbs.org/now/shows/407/transcript.html; http://www.pbs.org/now/enterprisingideas/freelancers-union.html

http://en.wikipedia.org/wiki/Freelancers_Union

Share and Enjoy:

Anxiety Panic Info

Health Insurance Archives

Four Out of Five Working Families Do Not Have Health Insurance, Says Report

Related Blogs

Temporary Health Insurance

The ABCs of Health Insurance

Top 5 Reasons to Offer Your Employees Small Business Group Health Insurance

What Is Single Payer Affordable Health Insurance Plan

Categories

Recent Searches

Recent Posts

Similar Posts

Important Pages

Anxiety Panic Info

Health Insurance Archives

Four Out of Five Working Families Do Not Have Health Insurance, Says Report

Related Blogs

Temporary Health Insurance

The ABCs of Health Insurance

Top 5 Reasons to Offer Your Employees Small Business Group Health Insurance

What Is Single Payer Affordable Health Insurance Plan

Categories

Recent Searches

Recent Posts

Similar Posts

Tags

Important Pages