Individual Dependent Health Insurance

Gov. Gary Herbert convenes meeting on innovation, individual responsibility ...

SALT LAKE CITY — Utah's governor has a vision of a healthy state with healthy people and an even healthier bottom line.

"Utahns will pioneer health care innovation and reform, harnessing the power of collective effort and market principles, as they strive to become the healthiest people in the nation," Gov. Gary Herbert said.

Herbert brought together nearly 500 state leaders in business, community, health care, education and government on Friday for Utah's first Health Innovation Summit, to lay the groundwork for a comprehensive plan that will guide Utah's health care system reform efforts over the next several years.

The work session, held at the Grand America hotel, was a continuation of various plans Utah already has in motion — including the Utah Health Insurance Exchange, All Payer Claims database and the Clinical Health Information Exchange — to deflect rising costs and what Herbert called infringing federal mandates.

"It is a good beginning and certainly is not the end," Herbert said, adding that Utahns have to take an interest in their own health care in order to get the best outcomes.

Brett McIff, physical activity coordinator for the Utah Department of Health said that good health policies can create healthful environments and result in healthful choices, which in turn, produce healthy people.

"We live in a society where you have to have tough conversations with our associates," said Scott Hymas, CEO of RC Willey. In the process of incorporating an on-site medical clinic with a salaried physician, he said he had to tell people in his company, "people are tired of paying for your poor health choices."

Hymas was one of several Utah CEO's who spoke about balancing the health and wellness of their employees with today's increasing health care costs.

"I can't change the government or the world but I'm working on what we can do (at RC Willey) to make a difference," he said.

Individual Florida Health Insurance Plans Trump Group Coverage

New surveys regarding which of the 10 largest states has the highest average cost for group health insurance premiums for family coverage placed Florida first on the list. According to data from federal Agency for Healthcare Research and Quality, the cost of family coverage per employee averaged $15,032 in Florida last year. In contrast, Ohio was found to offer the least expensive option, which only has an average premium cost of $13,083/employee.

The investigation showed that 30.3 percent of employees who enroll in employer-sponsored Florida health insurance plans select family coverage. It also found out that 51.3 percent select individual coverage and 18.3 percent enroll in employee-plus-one dependent health care coverage.

Do Individual Florida Health Insurance Plans Cost Less Than Group Coverage?

When you are trying to compare individual and group coverage plans, your head may be spinning from the many choices. If you're looking for the least costly options, take a look at FL health insurance plans that require you to pay for health care up to an annual limit. These are called high-deductible plans, even though the deductible may range from $500 to $20,000.

Typically, plans with higher deductibles have lower premiums. Many people are finding that it's actually cheaper to buy their own plan than to continue paying for escalating premiums on group coverage. That is especially true for employees who need to add family members to their coverage.

Some employers are also allowing employees to select policies within a certain range and contributing to the cost of the insurance, possibly through payroll deductions. The high-deductible plans that work with Health Savings Accounts often have premiums so low that small businesses have been able to not only continue to provide employees with health plan coverage on the job, but to also expand coverage for employee's families.

Are Florida Health Insurance Premiums The Only Cost To Consider?

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