Addressing the Increasing Burden of Health Insurance Cost Sharing

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Despite some moderation, health care spending remains substantial, and ESI plans and other coverage programs have responded by shifting more financial responsibility to the health plan enrollee. The shift may accelerate as employers attempt to avoid the so-called Cadillac tax, which seeks to raise revenue from generous health insurance plans. Underinsurance is emerging as a serious problem that may be more difficult to tackle than uninsurance. Evidence shows that when cost sharing is imposed, consumers may respond by reducing their use of both necessary and unnecessary care. Although proponents of HDHPs claim that deductibles encourage judicious use of insurance and push consumers to shop for lower-cost, high-quality care, it is unclear whether this is true.

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Baloise Insurance

Our mission - what do we stand for We build a performant and sustainable cooperation with our business partners in order to offer suitable insurance solutions for individuals and companies. Our vision - where do we go for Making you safer - We want to create a safer world for our customers, business partners, employees and shareholders. Excellent results Our employees build a strong and sustainable partnership with our business partners to offer private and business insurance solutions.

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Spotlight

Baloise Insurance

Our mission - what do we stand for We build a performant and sustainable cooperation with our business partners in order to offer suitable insurance solutions for individuals and companies. Our vision - where do we go for Making you safer - We want to create a safer world for our customers, business partners, employees and shareholders. Excellent results Our employees build a strong and sustainable partnership with our business partners to offer private and business insurance solutions.

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