1. Employers are actively trying to determine how to get employees to manage and improve their health through: . Wellness and preventative care programs, especially for employees with chronic diseases . Enabling employees to shop for their health care more actively so that they can get the best quality and value.
2.Typically, Human Resources departments cannot get involved in the selection process, so the responsibility is on the employee to select the right plan. Typically, this results in one of two decisions: . The cheapest health plan option available based upon upfront premium, which ultimately costs many employees who can’t pay the resulting expenses. . The most expensive health plan option available based upon premium under the belief that this provides the best care.
3. Unless a qualifying event occurs, Employees are bound to the option they select for the entire year and must consider: . Whether or not their physician and hospital is a part of the health plan they select . How to pay for their share of the health care responsibility . What health plan offers unique benefits (e.g., preventative care/wellness programs) that would useful for their specific health conditions
4. Employees are responsible for paying an increasingly larger amount of their upfront health care costs and for navigating their care options.