Health Insurance Underwriting Jobs In California

The Budget Cuts and the Privatization of the University of California

A version of this article was recently published in the UCSC Disorientation Guide. We repost it here [on reclaimUC] because we found it to be a very useful resource: a history of the UC from the perspective of austerity that collects and synthesizes a lot of otherwise dispersed data. Give it a read, and check out the rest of the disorientation guide as well. http://occupyca.wordpress.com/2011/09/12/ucsc-disorientation-guide-2011/ As you go from class to overcrowded class this fall, you’ll want to forget that tuition last year was around $1,800 less than you’re paying now. Continuing a 30-year trend, the UC Board of Regents gathered in cigar and gin-soaked boardrooms over the summer to raise our tuition by 17.6% and lay down plans for further increases in January, or maybe just raise tuition 81% over the next 4 years. (Hey, overcrowding at least improves your chances of getting lucky; tuition hikes on the other hand, just increase the probability of working a shitty job in college and plenty of debt after).The UC Office of the President (UCOP) never tires of reminding us that tuition increases are the fault of the recession or scold us that Californians are simply unwilling to spend on education in difficult times, which weird is an excuse that since government funding has decreased while tuition has been skyrocketing since the early 1990s. Even during UCOP continues to whine about how poor he is and how it is regrettable that they need to raise tuition fees is the state of California provide a loan billions of dollars in financial reserves UC. As it happens, in 9 of the past 10 years tuition was raised – well before the 2008 recession began; UCOP’s insistence on the necessity of this recent series of tuition increases has so many logical fallacies that if it were an assignment, it’d get an F (assuming, of course, that the overburdened TA grading it even had time to pay attention to it).

Can Obesity Affect California Health Insurance Rates?

Studies have repeatedly addressed the growing number of obese people in the United States. A report by Robert Wood Johnson Foundation and Trust for America’s Health reported that a quarter of California adults are obese and almost 37 percent are overweight.

Over the last 15 years, obesity rates have steadily climbed with almost 17 states seeing the rate of adult obesity double. It's almost unimaginable that just two decades ago, no state had adult obesity rates above 15 percent. So, what are we doing to fight this epidemic that drives up disease and death rates? Over the past four years, not a single state has seen a remarkable decline in adult obesity rates.

California Health Insurance Rates Follow Obesity Rates

This last report showed that California's adult obesity rates had only a slight increase to 24.8 percent up from 24.4 percent in 2010. While that doesn't sound bad, if you compare it to 15 years ago, the obesity rate has increased a whopping 78 percent. Not surprisingly, the rate of diabetes has nearly doubled. The only positive note is that when investigators looked at rates of physical activity, only California and Texas showed increased exercise levels.

Because obesity correlates with deteriorating health and more expensive health care, California health insurance companies rate up plans for those who are overweight or obese. All insurance companies have medical underwriting policies they use to evaluate your medical history before deciding whether to provide you coverage or not. The more health care statistics indicate someone of a particular weight will cost them more in medical bills, the more they charge for monthly premiums, if they agree to approve the application at all.

Bringing Down Your California Health Insurance Premiums Is Possible

California health insurance providers are totally separate companies so they use different underwriting standards. Shopping plans from several different insurers always increases your odds of finding less expensive options. Until you get your weight under control, you may need to use one of the high-deductible policies that generally have lower premiums than co-payment plans.

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