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Self Funding Healthcare for Companies - Why Self-Funded Corporate Healthcare is Replacing Insurance
Ian Youngman, Nov 2011, Pages: 150
Why self-funded corporate healthcare is replacing insurance
New research report “Self funding healthcare for companies” studies the growth of self-funding corporate healthcare and the use of healthcare trusts.
The government mantra is that individuals and employers must take more responsibility for health and finance. Companies want a healthy workforce, for the sake of the individuals and the business.
Traditionally, the answer has been to buy corporate private medical insurance, but medical inflation and insurer price rises make this more expensive every year. Large excesses, complex systems of encouraging a healthy workforce and co-payments have all been tried to keep costs down, But all have serious drawbacks - employee anger at finding they have to pay a large share of each claim, employee annoyance at inability to choose hospital, or unexpected and hard to control bills.
While corporate private medical insurance has been in the doldrums for the last decade, an increasing number of companies, often quite small ones, are turning to self-funded health care by using healthcare trusts.
Scope of the report:
- Private health and reform of NHS, sickness and welfare benefits.
- The growth of self-funding healthcare.
- The healthcare trust market and providers.
- Advantages and disadvantages of self-funding.
- The effect of new age and gender insurance legislation.
Self funding healthcare for companies” offers a comprehensive independent analysis of the healthcare trust market and alternatives.
Highlights:
- Over a million people are covered by healthcare trusts.
- Many insurers are offering them to balance the loss of corporate PMI business.
Key areas covered:
- What a healthcare trust is
- Why healthcare trust schemes are not private medical insurance
- What healthcare trusts can cover that may not be available on PMI
- The use of stop loss insurance
- Who a healthcare trust is fo
- Who a healthcare trust is not for
- Corporate PMI versus healthcare trusts
- The size of the healthcare trust market
- Corporate profiles of providers of healthcare trusts
- What healthcare trust schemes can cover that health insurance cannot
- Potential problems with healthcare trust schemes
- The potential
- Conclusions
- Case studies
Reasons to buy:
- Why companies may consider healthcare trusts and self-funding?
- Which providers are at the forefront of innovation in the healthcare trust market?
- What factors limit the growth of this sector?
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