{"id":8089,"date":"2023-12-04T13:42:04","date_gmt":"2023-12-04T18:42:04","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=8089"},"modified":"2023-12-04T14:29:13","modified_gmt":"2023-12-04T19:29:13","slug":"employers-face-higher-health-care-premiums-in-2024","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/employers-face-higher-health-care-premiums-in-2024\/","title":{"rendered":"Employers face higher health care premiums in 2024"},"content":{"rendered":"

Employers face higher health care premiums in 2024<\/h1>\n

Please note:<\/strong> This piece was taken from a recent Newsday article in an interview with James Eckardt, President of Peak Advisors. View original article<\/a><\/p>\n

Health insurance cost increases driven by inflation, weight-loss drugs, expensive treatments in 2024.<\/h3>\n

As Long Islanders enroll in health insurance plans for 2024,\u00a0many employers are eating\u00a0all or most of the rising costs\u00a0in an effort to\u00a0retain employees amid a tight labor market, business groups, consultants and brokers say.<\/p>\n

Prices for employer-sponsored insurance plans are projected to increase an average of 5.4% to 8.5%, according to four nationwide surveys, each of which had a different forecast. In New York, prices for\u00a0state-regulated small-group plans, which cover up to 100 employees, will increase\u00a0an average of\u00a0<\/strong>7.4%<\/a>, according to the Department of Financial Services. Increases were less than half of what insurers requested.<\/p>\n

Nearly a third of New Yorkers have coverage through the Affordable Care Act, and those premiums are increasing 14% to 17%, according to\u00a0an analysis\u00a0by the San Francisco-based health policy nonprofit KFF. But most ACA policyholders will see no or little increase because of income-based federal subsidies,\u00a0said Matthew Rae, associate director of KFF\u2019s Health Care Marketplace Project.<\/p>\n

Premiums \u2014 the amounts paid to insurers to keep policies active \u2014 of all types are rising because of a range of factors, including\u00a0inflation, consolidations of hospitals and physician practices, the increasing popularity of expensive weight-loss drugs, and the introduction of\u00a0gene and cell therapies and other high-cost treatments, experts say.<\/p>\n

Many businesses absorbing costs<\/strong><\/p>\n

The Southampton Inn is among the Long Island businesses that will not pass on increased costs to employees.<\/p>\n

\u201cWe as a company have been absorbing the increases for the last several years,\u201d said Dede Gotthelf, managing partner of Southampton Inn, minutes before she talked with her insurance broker to pick a 2024 insurance plan. She settled on one with a 6.5% premium increase.<\/p>\n

\u201cMaybe we make a little less money, but employees have a bit less stress on them financially,\u201d Gotthelf said. \u201cWe have wonderful employees and we want to keep them. We want to make them happy and we want to do the right thing.\u201d<\/p>\n

Jim Eckardt, owner of Peak Advisors, an insurance brokerage in Holtsville focusing on small-group plans, said some businesses are passing on a small part of a premium hike to employees and assuming the rest of the increase.<\/p>\n

\u201cIf it\u2019s in an industry that\u2019s hard to get employees \u2014 it\u2019s more competitive \u2014 they\u2019re going to take on more of that increase or all of it,\u201d he said.<\/p>\n

Statewide, most companies are telling the Business Council of New York State that they are absorbing a majority\u00a0of the premium increases, said Chelsea Lemon, the group\u2019s director of government affairs.<\/p>\n

Long Island had\u00a0a 3.3% unemployment rate\u00a0in October, below historical averages, according to preliminary state Department of Labor data.<\/p>\n

For 2023, employers are on average paying\u00a0for two-thirds of premium increases, according to a survey of more than 800 U.S. employers by Aon, a London-based professional services firm.<\/p>\n

Aon is projecting\u00a0an 8.5% average increase\u00a0in premiums nationally\u00a0<\/strong>in 2024, nearly double the 4.5% rate it found for 2023.<\/p>\n

Even though inflation has fallen\u00a0significantly in the last year, that doesn’t always translate into lower premium costs in new contracts for insurance plans, because contracts typically span about three years, said Debbie Ashford, Aon\u2019s North America chief actuary for health solutions. Many contracts now expiring were signed when inflation was lower than today, she said.<\/p>\n

\u201cThe increases are getting phased in over three or four years,\u201d she said, adding that 2025 increases likely also will be relatively high.<\/p>\n

In addition to absorbing escalating insurance prices, many employers have added coverage in recent years, including dental and vision.\u00a0More than 90% of firms offering health benefits now\u00a0offer dental insurance, double the share that did so in 2010, according to\u00a0a KFF survey\u00a0of more than 2,100 employers.<\/p>\n

Vision and dental are \u201cnot that expensive compared to health care\u201d insurance, and employers see it as another way to attract and retain employees, Rae said.<\/p>\n

The average family health insurance premium in 2023 cost $23,968, with workers contributing an average of $6,575, the KFF survey found. Individual plans average $8,435, with workers paying $1,401.<\/p>\n

Premium increases were roughly in line with inflation from 2018 to 2023, and below workers\u2019 wage hikes, a change from the previous 15 years, when insurance premium increases greatly outpaced inflation and wages, according to a KFF analysis.<\/p>\n

Medicare rates also are rising: The Centers for Medicare & Medicaid Services announced Medicare Part B standard monthly premiums\u00a0are increasing 5.9%\u00a0in\u00a02023.<\/p>\n

Nearly 7 million New Yorkers \u2014 including many whose employers do not offer insurance coverage for them, or at all \u2014 have coverage through the Affordable Care Act. The 14% to 17% increase in premium prices before subsidies, also regulated by the Department of Financial Services,\u00a0is much higher than the 3% to 6% average nationwide, KFF found. The amount of an increase\u00a0depends on the type of plan.<\/p>\n

New York\u00a0ACA plans more expensive<\/strong><\/p>\n

The average unsubsidized premium in New York for a \u201cbench mark\u201d medium-cost ACA plan is $719 a month, compared with $468 nationwide, KFF calculated.<\/p>\n

The Department of Financial Services said in a statement that the higher rates are in part because New York has higher medical costs and a higher cost of living than other states. The department said it reviews each insurer rate application separately, with premiums depending on factors such as how sick people are in different plans.<\/p>\n

Costs vary greatly by region, with hospital, outpatient, prescription and other non-insurance-premium spending in the New York City metropolitan area \u2014 which includes Long Island \u2014 32% above the national median, while spending in Buffalo is 17% below the national median, according to the Washington, D.C.-based Health Care Cost Institute, which analyzes health care data.<\/p>\n

\u201cYou have some of the highest health care costs in the country in New York City\u201d and Long Island, with hospitals, physicians and other providers charging more and costs increasing more rapidly than nationwide, said Eric Linzer, president and CEO of the New York Health Plan Association, which represents insurers.<\/p>\n

Factors include consolidation, weight-loss drugs<\/strong><\/p>\n

Widespread consolidation of hospitals and physician practices is a factor, he said.<\/p>\n

\u201cWhen providers merge, acquire, come together, it results in higher costs but not necessarily better quality,\u201d he said.<\/p>\n

Larger health care systems have more leverage to demand higher reimbursement rates from health plans, Linzer said.<\/p>\n

Across New York, other reasons for higher premium costs include more mandates in New York than in other states on which treatments or services must be covered and higher taxes for insurers, he said.<\/p>\n

Nationwide, about one-eighth\u00a0of the 8.5% projected increase in premiums is from the growing popularity of weight-loss drugs such as Wegovy and the large potential market for them, said Ashford, of the professional-services firm\u00a0Aon.<\/p>\n

\u201cThey\u2019re expensive drugs and we\u2019re seeing utilization really take off,\u201d she said.<\/p>\n

The growing number of claims for chronic conditions also is increasing premium prices, said Julie Stich, vice president of content for the Wisconsin-based International Foundation of Employee Benefit Plans. One reason is that many people skipped doctor visits and screenings early\u00a0in the pandemic, leading to diseases being diagnosed in later stages, when they are more serious, she said.<\/p>\n

\u201cThese chronic health conditions are proving to be costly, as employers are dealing with a continuous need for care,\u201d she said.<\/p>\n

The expansion of gene and cell therapies and other expensive, technologically advanced specialized treatments is another factor, Stich said.<\/p>\n","protected":false},"excerpt":{"rendered":"

Employers face higher health care premiums in 2024 Please note: This piece was taken from a recent Newsday article in an interview with James Eckardt, President of Peak Advisors. View original article Health insurance cost increases driven by inflation, weight-loss drugs, expensive treatments in 2024. As Long Islanders enroll in health insurance plans for 2024,\u00a0many […]<\/p>\n","protected":false},"author":5,"featured_media":7919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[1509,1746],"tags":[3649,3650,3645,3651,3652,157],"class_list":["post-8089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-for-small-business-owners-in-ny","category-small-business-health-insurance-rates-ny","tag-2024-ny-small-buiness-health-insurance-premiums","tag-2024-ny-small-buiness-health-insurance-rates","tag-2024-ny-small-group-health-insurance-rates","tag-jim-eckardt","tag-peak-advisors","tag-small-group-health-insurance"],"yoast_head":"\nEmployers face higher health care premiums in 2024 - 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