Affordable Health Insurance For Small Businesses In Texas

Affordable Health Insurance For Small Businesses In Texas
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And the Survey Says – New figures on Small Biz and health insurance in Texas

A 2006 survey by the health insurance trade group America's Health Insurance Plan published (AHIP), offers a snapshot view of small group health insurance in Texas and nationwide. The survey has once again stirred debate about whether health insurance is affordable enough to allow small businesses to their employees, or if cover major changes are necessary.

The survey showed that small businesses – firms with 50 employees or less – actually a little lower health plan pays a premium, which in a previous survey of mostly against larger companies.

"The take-home message is that small businesses have affordable options," said AHIP President and CEO Karen Ignagni. "This is the only survey of its kind in a very, very, small business," she said. "The 'less coverage' hypothesis for small Company is not what the data show. "

The AHIP survey specifically reported that more than 650,000 small businesses, they were paid an average monthly Premium of $ 311 for individual members and $ 814 for a family ("family" generally means a family of four).

AHIP Officials also note that the monthly premium for individual members are located from the $ 335 average premium was in an earlier study by the Kaiser Family Foundation, which focuses on business done with three or more employees. reduce the premium, AHIP officials said, was due to the sharing of costs, the greater importance in small business health plans tends compared with those of large companies.

The AHIP survey – the small businesses in those with 10 employees or less divided, 11 to 25 employees and 26 to 50 employees – also showed that premiums fell slightly increased as a company.

But the survey's portrait a robust small business insurance market is misleading. The health insurance industry could do even better by her mother-and-pop customers if no legal Obstacles stood in the way, has Ignagni.

According to the survey, small businesses state they want more affordability. "And we want the benefits for small businesses , But we do adjust for that by government contracts, "she said prevented." We could do more. "

But not everyone agrees with the Results of the study. Todd McCracken, president of the National Small Business Association (NSBA) was skeptical about the AHIP survey and its conclusions on small business access to health coverage for their employees. "We are certainly not think health insurance is affordable for small businesses," he said. "AHIP tried a case that it cheaper than you think do it. "

McCracken said that smaller firms face particular challenges in meeting their staff, such as increased health-plan administrative costs and less stable premiums. Often a change in a tiny staff – such as exchange a young, healthy workers with an older, less healthy can – hold premiums in a constant change. With this kind of change "more than the Half of small businesses can afford health insurance, "he said.

The NSBA is currently about 65,000 companies with an average workforce of thirteen employees. McCracken confirmed that lower premiums for small businesses in the AHIP survey reveals the fact that smaller companies increasingly reflect their employees pay more for health benefits, whether in the form of higher premium contributions or higher deductibles and co-payments.

There is also the question of whether the collection can Perhaps some of the countries in which the market (non-AHIP), Blue Cross & Blue Shield plans, setting stricter rules Rating drive higher premiums is dominated.

McCracken said, would his group that the current legislation premium-based state tax legislation – Are not insured in their own businesses or those who do not buy health insurance – changed into a "broad support" taxes as a Income or sales tax. But apart from piecemeal legislation to cure the problem of affordability, "We continue to urge the Congress, on the bigger picture look, "he said. And how was the big picture?" We would support something similar to the law recently in Massachusetts, where everyone is forced to Health insurance, have passed "McCracken.