This Much I Know is True

Recently, I am hearing first-hand about what the health insurance companies are quoting businesses for the coming year.

This much, I know is true: Expect changes to current health care plans.

The new health care bill essentially doesnt go into full effect until 2014, so we have a gap that will certainly be filled with changes.

Prediction #1: The days of 90/10 are coming to a close. Employees will be hard pressed to find an employer that will pay 90% of their insurance policy. 80/20 may even be hard to find.

Prediction #2: Office visit copays will go up 10-30%, along with deductibles and out of pocket max's.

Prediction #3: These changes will bring about alternative care options. I have written about the local care clinic's popping up everywhere that cover most everything that a doctor will do in their office - for about the price of an insurance co-pay. It may be less expensive to NOT use your insurance at times!

Prediction #4: Catastrophic health insurance policies will see an increase. (See #3)

Get in, buckle up and hang on for the ride!