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Wellness Articles

Employee Health Care

Looking to improve employee health care through a wellness program? Our industry-leading company wellness advisors can help! Request a FREE workplace wellness program proposal today.

Employee Health Care


Employee health care costs continue to rise in the United States, Canada, and throughout the world. As companies and families seek to find new ways to pay for the rising employee health care costs, operational and household expenses progressively suffer.

According to the National Coalition on Health Care (www.nchc.org), total health care spending in the United States represented 17 percent of the gross domestic product (GDP) at $2.4 trillion in 2007. National health care expenditures were also rising in 2008 at 6.9 percent, which is two times the rate of inflation. The cost of care for each person in the United States is currently around $7,900 per person.

By 2017, United States health care is expected to reach $4.3 trillion, or 20 percent of GDP. In 2008, the annual premium for an employer health plan covering a family of four was $12,700. The annual premium for a single individual averaged over $4,700. While many analysts agree that there are frivolous administrative costs and inflated prices, the demand for employee health care coverage is so great that companies and individuals are left with few alternatives to paying the price for covered care.

In 2008, of the $12,700 charged by health insurers, workers contributed $3,400, 12 percent more than the previous year. This was the first time that annual employee health care premiums surpassed the gross pay of full-time, minimum wage workers at $10,712. National surveys show that the primary reason many people are uninsured is because of the cost of health insurance coverage. Rather than pay the price for health coverage charged by insurance companies, many individuals elect to assume the risk and forgo health coverage altogether.

Each year, about 1.5 million families lose their homes to foreclosure due to the inability to pay their mortgage due to unaffordable medical bills. Lawmakers and government officials agree that plans must be put in place to reduce the need for care. One of the primary topics of discussion to help reduce employee health care costs is through worksite wellness and disease management.

At Kersh Risk Management, we share the responsibility of reducing the need for employee health care utilization by helping employees modify their health risks through targeted, customized interventions. If you would like to speak with a worksite wellness consultant, please fill out our free worksite wellness program proposal form today.

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