Tie to Employers Stresses Fragility Of Health Coverage


At some point in life, 1 out of 7 Americans goes without health insurance for a year, according the Institute of Medicine's recently released demographic study of the uninsured.

In "Coverage Matters: Insurance and Health Care," the IOM posits that the increased cost of health insurance and a slower economy will probably boost the number of uninsured Americans in the near future.

The report outlines who lacks insurance in the U.S., how coverage is gained and lost, and why so many people find themselves uninsured.

About two thirds of Americans receive health insurance through their employers or families, and many gain or lose coverage when they marry, divorce, or move to new jobs.

The report notes that increased health care costs and a slowing economy may prompt employers to pass more of the cost of insurance premiums on to employees, who may in turn decide they cannot afford it and opt out of coverage.

Employees pay about 14 percent of the cost of individual health insurance and 27 percent of family coverage, the IOM says. In addition, 13.6 million workers are not offered employer-sponsored coverage.

As a group, Hispanics are most likely to be uninsured. More than a third of Latinos in the U.S. under age 65 have no health coverage.

Career Opportunities

HAP, a subsidiary of Henry Ford Health System, is a nonprofit health plan providing coverage to individuals, companies and organizations. This executive develops strategies to meet membership and revenue targets through products, pricing, market segmentation and advertising.  Aligns business among Business Development, Commercial Sales, Medicare and Public Sector Programs and Product Development. Seeks to enhance and be responsible for business development and expansion through the development of an effective product portfolio, strong interpersonal relationships and service excellence.

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