TAILIEUCHUNG - Employer-Sponsored, Personal, And Portable Health Insurance

This increased level of risk among young men is not confined to driving. The WHO (1999) and (2002) report that men are also more likely to die from falls, drowning, poisoning and a range of other events. Only in the case of deaths in fires are women slightly more over-represented than men. The report also notes that injury and fatality rates are higher among men for every type of road injury victim in several developing countries. In Kampala, Uganda, for example, males outnumbered females by between 2 and 7 to 1 among injured vehicle drivers, passengers and pedestrians. In the. | Forum Employer-Sponsored Personal And Portable Health Insurance Three existing insurance models offer many advantages to employers as well as employees. by John C. Goodman ABSTRACT Personal and portable health insurance is an idea whose time has come. Despite its stated intent however the Health Insurance Portability and Accountability Act HIPAA strongly discourages individually owned portable insurance. Federal tax laws do the same. Some examples of portable benefits exist such as the TIAA-CREF system. This paper considers three reform models for moving toward personal portable coverage the National Center for Policy Analysis-Texas Blue Cross Blue Shield proposal the Massachusetts health care plan and a health reimbursement arrangement HRA approach. Congress could make thetransition smoother by clarifying when and if individually owned insurance can be purchased with pretax dollars. Health Affairs 25 no. 6 2006 1556-1566 ONE of the strange features of the . health care system is that the health plan most of us have is not a plan that we chose rather it was selected by our employer. Even if we like our health plan we could easily lose coverage because of the loss of a job a change in employment or a decision by our employer. Most employer health insurance contracts last only twelve months. At the end of the year the employer may choose a different health plan or cease providing health insurance altogether. Strangely the only people with private health insurance guaranteed to last longer than one year are people who purchase insurance on their own. A switch of health plans might mean changing doctors as well if the two plans do not have overlapping networks or if cost-sharing arrangements penalize the patient s previous choice of doctors. If an employee or family member has a health problem that could interrupt the continuity of care. In addition different plans have different benefit packages. So some services such as mental health .

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