COVERAGE: Keep the Job, But Lose the Health Insurance?
As the economic crisis worsens, more people are losing their jobs and losing their health insurance. But what about those who still have their jobs, but lack insurance? Well, for one thing, there are a lot more of them.
According to a new report by the Robert Wood Johnson Foundation issued as part of the annual Cover the Uninsured Week, it's not just out of work people who are losing insurance—even people who are employed during these troubling times are less likely to have health insurance. One-in-five workers are currently uninsured, up from the one-in-seven workers who lacked insurance in 1994. Overall, that's an increase of about six million working Americans. On average, employers are paying 79.6 percent more than they were in 1994 to cover families and 51.7 percent more for individuals. Meanwhile, employees are paying 76.4 percent more for family coverage and 79.3 percent more for individual coverage. Despite the rapid increase in health premium costs, average income for working Americans has only risen by 9.5 percent.
The RWJF report, At the Brink: Trends in America's Uninsured 1994-2007, focuses on state-by-state coverage trends. In nearly every state, private coverage eroded, costs climbed, workers' income remained stagnant, and the number of uninsured residents increased. For an interactive guide to the number of uninsured, the rising cost of employer-sponsored health care coverage, and the cost of failure on a state-by-state basis, take a look, too, at New America's State of State Health.
"In the last couple of years we've seen a deterioration of private health insurance," Lynn Blewett, director of the State Health Access Data Assistance Center at the University of Minnesota, told the Associated Press. Workers pay for coverage of the elderly, poor, and children through taxes that fund government programs, but, as Blewett added, "There really aren't safety-net programs for adults."
As the RWJF report demonstrates, the health care crisis facing America has only grown worse since the failure of the Clinton administration's health reform efforts in 1994. New America's research estimates that the cost of the average employer-sponsored health insurance plan for a family will hit $24,000 per year in 2016, an 84 percent increase from 2008 levels. The Cost of Doing Nothing on health care reform is high, and it will only grow worse if the problem is not addressed now. Hard-working Americans deserve to have affordable health care coverage.
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