Millions of Americans with employer health care are still spending a fortune

Yahoo Finance

Millions of Americans with employer health care are still spending a fortune

Adriana Belmonte, Associate Editor           August 18, 2019

As Americans continue grappling with rising health care costs, research indicates that a sizable group of people with employer health care are still spending a ton on their medical bills.

According to the Commonwealth Fund (TCF), “employer plan premium contributions and out-of-pocket costs, like those for prescription drugs, are eating up an increasing portion of household budgets.”

An estimated 23.6 million Americans with employer coverage had high premium contributions, high out-of-pocket costs, or both, according to the report.

“It’s very arresting to me just to think about 24 million people with employer coverage who are living in households that spend a large share of their income on health care costs,” Sara Collins, vice president at the Commonwealth Fund, told Yahoo Finance. “When just thinking about … those human beings, that’s pretty striking. … Some households spend almost nothing and some are spending thousands of dollars per year.”

High premium contributions were defined as such by TCF “if the total annual amount they pay for their employer plan premiums equals 10% of more of annual household income.” Americans were considered to be paying high out-of-pocket costs if “the total annual amount they pay out of pocket for medical expenditures not covered by their employer plan … is 10% or more of annual household income, or 5% or more for families earning less than 200% of the federal poverty level.”

A woman gets blood drawn by a phlebotomist in Boston, 2015. (Photo: Joanne Rathe/The Boston Globe via Getty Images)A woman gets blood drawn by a phlebotomist in Boston, 2015. (Photo: Joanne Rathe/The Boston Globe via Getty Images).

The report goes against the notion that employer health plans mean lower health care costs.

“What we’ve seen over the last few years is a steady growth in the percentage of people who are insured all year but have high out-of-pocket costs relative to their income and deductibles” to the point that “they’re considered under-insured,” Collins said. “The biggest growth in that trend is occurring among people who have employer plans.”

‘We’ve seen steady growth in premiums over time’

The rising premiums, along with increasing out-of-pocket costs, are being driven by the overall increase in health care costs in the U.S. Collins noted that people’s incomes aren’t “growing very much” while the rate of growth in health care costs are growing faster than median income.

“What’s really important for people to understand is that the principal driver of premium growth [and] the principal driver of out-of-pocket costs is the overall rate of growth in health care costs in the economy,’ Collins said.

Collins added that the percent that employees have to contribute to their premiums, and while it’s stayed relatively stable over time, “when the overall size of the premium goes up, the dollar amount that the employees have to spend on their premiums also goes up.”

Health care spending has drastically increased since 1970. (Graphic: David Foster/Yahoo Finance)Health care spending has drastically increased since 1970. (Graphic: David Foster/Yahoo Finance).

In 2017, U.S. health care spending grew 3.9%, reaching $3.5 trillion or $10,739 per person, according to the Centers for Medicaid and Medicare Services (CMS). That accounts for about 17.9% of the nation’s GDP.

“We can look at policy fixes, changes in benefit design, giving people subsidies to help them offset their out-of-pocket costs,” Collins said, “but we’re also going to have to look really hard at the drivers of overall health care costs in order to lower the rate of growth in premiums and out-of-pocket costs.”

‘Pretty striking’ disparities

The report found that the median annual household spending on employer insurance premium contributions ranged from $500 to $3,400 between 2016 and 2017. And in 11 states, “households in the top 10% of spending on premium contributions paid $9,000 or more.”

Hawaii had the lowest median employer insurance premium contributions at $500 in 2016-2017. South Dakota’s median had the highest at $3,400. The highest median premium contributions were mostly in the New England area as Maine, Connecticut, New Hampshire, Rhode Island, and Massachusetts were all among the top 10.

South Dakota has the highest median annual spending on premium contributions. (Photo: The Commonwealth Fund)

South Dakota has the highest median annual spending on premium contributions. (Photo: The Commonwealth Fund).

For out-of-pocket costs, Nebraska, Utah, Minnesota, New Hampshire, and South Dakota had the highest medians. At the bottom of the list are states like Hawaii, California, Florida, New York, and West Virginia.

Nebraska spends the most on out-of-pocket costs. (Photo: The Commonwealth Fund)

Nebraska spends the most on out-of-pocket costs. (Photo: The Commonwealth Fund).

Combining these two categories, the most expensive states were South Dakota, New Hampshire, and Nebraska, while the least-costly states were Hawaii, New York, and D.C.

Adriana is an associate editor for Yahoo Finance. 

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The Washington Times

Kirsten Gillibrand releases plan aimed at boosting mental health care

– The Washington Times          August 20, 2019
Democratic presidential candidate Sen. Kirsten Gillibrand, D-N.Y., speaks at the Iowa State Fair, Saturday, Aug. 10, 2019, in Des Moines, Iowa. (AP Photo/John Locher)

 

Sen. Kirsten Gillibrand on Tuesday released a plan intended to boost mental health care services in the U.S., as the subject gets renewed attention in the wake of the recent shootings in Texas and Ohio.

She called for an expansion of community health centers that provide mental and behavioral health care, and said she would work to combat “implicit biases” in mental health care that disadvantage people of color and other “harmed” communities.

“If we truly believe that health care is a right and not a privilege, then access to quality mental health treatments cannot be up for debate,” the New York Democrat and 2020 presidential candidate said in a Medium post. “It’s time for mental health to be taken as seriously as physical health.”

Ms. Gillibrand vowed to expand school-based mental health care treatment, expand access to mental and behavioral health care for rural Americans, and invest further in suicide prevention efforts for young people and the LGBTQ community.

The senator also said she would work to ensure proper reimbursement rates for “non-traditional” treatment and prevention methods, like connecting people seeking treatment with a peer familiar with their background.

READ MORE:

President Good Brain Just Told the Same Lie for the 80th Time

Esquire

President Good Brain Just Told the Same Lie for the 80th Time

It feels like it should be a bigger story that the world’s most powerful man is nuts.

By Jack Holmes       August 14, 2019

President Trump Visits Shell Pennsylvania Petrochemicals ComplexJEFF SWENSEN/GETTY IMAGES

It pretty much says it all that there was another Presidential Episode on Tuesday and it was barely a blip on the radar. These spectacles, where the world’s most powerful man rants and raves like a guy with whom you’d studiously avoid eye contact on public transportation, happen so regularly that nobody even much remarks on it anymore. Just a fact of American life. Oh, that’s just the president again! You see, Mr. Good Brain went to Pennsylvania yesterday to give a speech that was purportedly on the topic of energy, but which swiftly devolved into a festival of personal grievance and kaleidoscopic delusion. So the usual.

Thanks to CNN’s Daniel Dale, we know the president said he’s set to lose $5 billion because of lawsuits against him, an amount of money he almost certainly does not have. He demanded that Barack Obama’s book deal be investigated, because reasons. He said China does not have oil and gas—no need to look that one up—and that we’d be begging China for steel (he used a whiny voice) if he hadn’t saved the American steel industry, which would be dead without him. He said the only thing we export to Japan is wheat, which they buy out of pity, all of which is entirely made up and totally bizarre. He used a racist slur to refer to a presidential candidate. He mocked the idea of computer manufacturing, suggesting people want to dig coal or make steel. He invited the workers in attendance to troll the media with tweets about how he should serve a third or fourth term. He talked about copper theft. He talked about how he’s always loved trucks.

From the Rieger Report:         TRUMP said: “I love cranes, I love trucks of all types. Even when I was a little boy at 4 years old, my mother would say, ‘You love trucks.’ I do.”

Embedded video

The brain, it is good. It was even gooder when he expressed amazement at the turnout for an 11 o’clock speech when it was, in fact, 2:40 p.m.

But the really reassuring stuff came via the insane lying. As a champion bullshitter, Donald Trump is quite adept at convincing himself of something as he makes it up with the intent of convincing others. The truth is whatever you can get enough people to believe, including yourself. And it appears that the president has thoroughly convinced himself that he is responsible for a program that was signed into law in 2014.

From Daniel Dale: Trump said that most people here probably don’t know he’s from New York.

Also from Daniel Dale: “I got it approved. Veterans Choice,” Trump says, for more than the 80th time, of the program signed into law by Obama in 2014.

As a refresher, Trump was not president in 2014. His political career was primarily contained to suggesting the first black president was actually Kenyan, and thus illegitimate. (Not a racist bone in his body, etc. etc.) But the really astounding thing is he’s told this lie 80 (eighty!) times and shows no sign of slowing down. He is an unstoppable force of fabrication, and The Lamestream Liberal Fake News Media has not exactly proven itself to be an immovable object. At some point, he says the same false thing so many times that people just give up.

More than the specific lies, though, the establishment media has fought like hell to pretend that Donald Trump is merely an exceptionally rude and eccentric president, rather than someone who is quite clearly unstable and who poses grave danger to the republic. The President of the United States regularly claims that windmills cause cancer, and some in the press just shrug. They ask him about North Korea’s nuclear escalation after his supposed Artful Dealmaking with the regime, and he rants about the Beautiful, Three-Page Letter that Kim Jong-un sent him. Meanwhile, they keep firing off rockets.

This is insanity. It’s not Biased for the media to say so, it’s fucking reality. Even the Mooch is saying it. Remember that guy?  That was crazy, too. Jesus.

Jack Holmes is the Politics Editor at Esquire.com, where he writes daily and edits the Politics Blog with Charles P Pierce.

Washington couple dies in a murder-suicide over angst about medical expenses

USA Today

Ken Alltucker, USA TODAY       August 11, 2019

What you should and should not flush down your toilets!

NowThis Politics

August 9, 2019

From fatbergs to microplastics, here’s why what you flush down the toilet matters — and why you should NEVER flush wet wipes 🚽(via NowThis Future)

What You Should & Should Not Flush Down the Toilet

From fatbergs to microplastics, here’s why what you flush down the toilet matters — and why you should NEVER flush wet wipes 🚽(via NowThis Future)

Posted by NowThis Politics on Thursday, August 8, 2019

“Help us,” begs a doctor in a hospital that’s been bombed multiple times, “We’re human beings.”

CNN posted an episode of Go There.

August 7, 2019

Trying to stay alive in Syria’s last rebel-held city

“Help us,” begs a doctor in a hospital that’s been bombed multiple times, “We’re human beings.”

In Idlib, the last rebel stronghold in Syria, hospitals, markets and schools have been systematically targeted. CNN’s Arwa Damon takes us inside the besieged city to meet children, mothers, farmers and others who are struggling to stay alive.

Trying to stay alive in Syria’s last rebel-held city

“Help us,” begs a doctor in a hospital that’s been bombed multiple times, “We’re human beings.”In Idlib, the last rebel stronghold in Syria, hospitals, markets and schools have been systematically targeted. CNN’s Arwa Damon takes us inside the besieged city to meet children, mothers, farmers and others who are struggling to stay alive.

Posted by CNN on Wednesday, August 7, 2019

Steve Kerr, Gregg Popovich slam ‘gutless’ lawmakers after mass shootings

Yahoo Sports

Ryan Young,Yahoo Sports        August 6, 2019

Moscow has 12 million people, and no system to recycle.

Vice News

August 3, 2019

Moscow has 12 million people, and no system to recycle.

That’s created a garbage crisis not just for the city, but the entire country.

Moscow has No System to Recycle and it's Starting to Poison People

Moscow has 12 million people, and no system to recycle.That’s created a garbage crisis not just for the city, but the entire country.

Posted by VICE News on Friday, August 2, 2019

What did Obama do for America? Obama v. trump; no contest

Occupy Democrats
One year ago:      July 22, 2018

Show this handy video to all of your conservative friends who claim that President Obama didn’t accomplish anything in his two terms. He makes President Trump look like a lazy amateur.

What did President Obama do for America?

Show this handy video to all of your conservative friends who claim that President Obama didn't accomplish anything in his two terms. He makes President Trump look like a lazy amateur.

Posted by Occupy Democrats on Saturday, July 22, 2017

Trump’s cuts to food stamps are economically and morally indefensible.

Opinion: Trump’s cuts to food stamps are indefensible, economically and morally

By Karen Dolan             July 31, 2019

SNAP program reduces poverty better than anything else, with very little fraud

Getty Images
A half a million kids will lose their school lunch assistance if the Trump administration changes the rules for food stamps.

Under new changes proposed by the Trump administration, over 3 million struggling parents, children, people living with disabilities, and older American may lose access to food stamps, also known as the Supplemental Nutrition Assistance Program (SNAP). Children in families who are slated to lose their SNAP benefits will also lose critical school-lunch assistance.

The Trump administration wants to eliminate an eligibility criterion known as broad-based categorical eligibility (BBCE), which enables states to expand access to those in need of food assistance based on other programs they qualify for.

By eliminating it, the administration is effectively creating a benefits cliff, where a parent’s small raise at work — or a modest amount of savings — could end up disqualifying a family from SNAP entirely. That leaves them poorer for getting a raise or saving money, or else puts them at risk of their food aid falling through the bureaucratic cracks.

Failed twice

Trump and the Republicans attempted to get this reduction in the nation’s most effective social safety-net program rammed through Congress last year — and failed. They also failed in their attempt to significantly defund the program. So now Trump is attempting to reduce food access to families in need via executive fiat.

SNAP reduces poverty more simply and directly than nearly any other program. Because it’s responsive to the overall economy, it expands during economic downturns and contracts when poverty levels fall. This enables people to weather temporary economic hardship, stay above the official poverty level, and gets money more quickly into the economy.

It also literally puts food into children’s mouths, while their parents work and save.

Why would the administration want to take critical food assistance away from children and families who need it? The administration has claimed ineligible people are using the program, perhaps fraudulently. But that’s unlikely.

Looking at figures through 2016, Forbes contributor Simon Constable calculated potentially fraudulent SNAP expenditures at under 1% of the cost of the program — a minuscule amount compared to behemoth agencies like the Pentagon, which can’t even pass an audit, and which nonetheless keeps getting budget increases.

Rigorous standards

SNAP, by contrast, “has some of the most rigorous program integrity standards and systems of any federal program,” adds Robert Greenstein of the Center of Budget and Policy Priorities, including for recipients who qualify by their participation in other programs.

According to the center, SNAP is one of the most effective economic stimulators per federal dollar spent of any program. During the economic downturn of 2009, for example, Moody’s Analytics estimated that for every dollar increase in SNAP benefits that year, $1.70 economic activity was generated.

Further, the administration has repeatedly claimed — also falsely — that poverty is all but solved.

That’s not remotely true.

According to research by the Poor People’s Campaign and the Institute for Policy Studies, 140 million Americans are either poor or low-income. In this wealthiest nation on the planet, even as more wealth concentrates at the top, some 43% of us struggle to make ends meet — a number that far outpaces the official poverty measure, not to mention Trump’s mis-characterization of it.

Our social safety net, which includes assistance for basic needs such as housing, health, and nutrition, is insufficient and under attack.

Neglecting children

The impact of this neglect on the health and well being of our children, in particular, reverberates through our entire economy.

Our report compiles reams of data on the enormous economic costs of child poverty, such as the Children’s Defense Fund’s estimation that the economic cost of lost productivity, worsened health, and increased crime rates that stem from child poverty total roughly $700 billion per year — 3.5% of GDP.

Strengthening SNAP is key to reducing this damage. So on economic grounds alone, the Trump proposed rule change to kick millions struggling children, families — and not to mention people living with disabilities and older people — off critical food assistance makes no sense. On moral grounds, it’s indefensible.

As the Rev. Dr. William Barber and the Poor People’s Campaign often says, “Everybody’s got the right to live.” That right belongs to America’s 140 million poor and low-income people, including the 3.1 million children and families experiencing hardship that rely on the nutritional assistance provided by the SNAP program.

Karen Dolan directs the Criminalization of Race and Poverty Project at the Institute for Policy Studies. She’s a co-author of the IPS-Poor People’s Campaign Report, “A Poor People’s Moral Budget: Everybody Has the Right to Live.” The IPS is funded by private foundations and individual donors.

Ethiopia’s bid to plant four billion trees

AFP

Going green: Ethiopia’s bid to plant four billion trees

Robbie Corey – Boulet, AFP         July 30, 2019