By Mark S. Gaunya, Jennifer A. Borislow
American healthcare spending reached $2.4 trillion in 2008 and may exceed $4 trillion through 2018, with charges hovering at to 3 occasions the speed of inflation. conventional medical health insurance recommendations have not simply did not cease the bleeding they have additionally saved americans at midnight and robbed them of selection. everyone seems to be liable for a small a part of healthcare spending, and participants have the facility to show the placement round. Consumer-driven future health plans (CDHPs) positioned wisdom and tool again into people's arms. during this ebook, you will discover: 3 CDHP ideas and the way they interact to reduce assurance charges and increase the future health and future health of your staff potent step by step ideas for developing, imposing, and coping with CDHPs on your place of work information for development a tradition of future health and well being that advantages all people instruments for interpreting and fine-tuning your wellbeing and fitness plan technique to maximize worker wellbeing, productiveness, and fiscal reductions yr after 12 months Real-life case stories that illustrate how CDHPs are a confirmed way to emerging healthcare charges
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Additional info for Bend the healthcare trend: how consumer-driven health & wellness plans lower insurance costs
Instead of resting and seeking another option, they seek quick relief of their symptoms, which is the quickest way to drive up healthcare costs. Every healthcare consumer is personally responsible for a small portion of our country's total healthcare spending, and individual users have the power to turn this troubling value equation around. When consumers are empowered to spend responsibly and take better care of themselves, total spending will slow down, ultimately reducing the inflation rate of premium increases.
Employee engagement will translate into savings for both consumers and employers. 48/407 By offering employees choices and empowering them to make informed, responsible, and cost-conscious decisions about their lifestyle choices and their healthcare spending, you'll create a healthier, stronger workforce. You'll also be saving your company, yourself, and your employees—not to mention the entire country—a lot of money. It's time for consumers to become proactive about their healthcare spending by leveraging the unique value proposition of the consumer-driven health plan (CDHP) solution.
To energize employees about the CDHP solution, you must first help them improve their knowledge of healthcare costs. Once consumers become aware of the actual costs of the healthcare services they access, they'll be less inclined to make poor lifestyle choices (which 49/407 put a strain on their budgets and the healthcare system), and they'll work toward cutting down their unnecessary use of health services. Consumers may not be aware of the direct link between bad habits—tobacco and alcohol use, lack of physical exercise, and poor diet—and the steadily increasing cost of healthcare, but one is partially responsible for the other.