Care Costs Are Rising At Epidemic Proportions
Health care costs are approaching
15% of our national economy and the economic repercussions have been felt
by most American families as employers are unwilling to absorb the bulk
of the health care cost burden.
In 2004, employer health
insurance premiums increased by 11.2% - 400% more than inflation.
The annual premium for an
employer family health plan averaged $10,000+.
$3,695 for a singles.
Health insurance premiums
will rise to $14,500 for family coverage in 2006.
In 2004, health care spending
in the United States reached $1.7 trillion, projected to reach $1.9 trillion
Overall national health care
costs will increase with the implementation of Medicare prescription
Too many Americans are uninsured
while even a
greater percentage have
no insurance at all.
Uninsured individuals also
present a problem for
hospitals and other providers
who must provide treatment in catastrophic situations without compensation.
Many employees receive restricted
coverage limited to a single insurance carrier or an HMO.
Prescription drugs are the
of the nation's health care
bills have become a significant
item in the budget of most families.
For 37% of Americans without
prescription coverage, the problem is critical. Especially for seniors
who constitute 12% of the population but use 37% of prescription drugs.
The rest especially those without health insurance, is significantly affected
by high drug prices.
What has caused this cost
Much of it is due to a riddled
health care system of excessive administrative, inflated prices, poor management
waste and fraud.
These problems significantly
increase the cost of medical care and health insurance for employers and
On the other side of the
cost issue there is the recent development of new effective medications
for a variety of illnesses.
Such newer "brand name" medications
are patent-protected and cost far more than generic medications.
The drug industry argues
that the higher cost of
new medications helps fund
development of even newer
medicines. Many critics argue that much of the development of pharmaceutical
products is actually government
Also contributing to the
cost increase is
marketing. As this is 30%
of a drug manufacturer's
U.S drug makers were reported to employ 81% more people in marketing than
in research and development of much needed drugs.
Policymakers and government
officials agree that health care costs must be controlled. But they disagree
on the best ways to address rapidly
escalating health spending.
Some favor price controls
and imposing strict budgets
on health care
spending. Others believe
free market competition
is the best way to solve
the problems but if people can’t afford it, how will they protect themselves
and their family?
There is something you can
do and that’s
become apart of the solution
and not the problem by learning more about our troubled medical industry.
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