The Cost of Essential Health Benefits

The Urban Institute has put out a useful brief quantifying the annual impact on premiums of the essential health benefits in a typical silver plan.

The picture is about what one should expect: office-based care (physician preventive care, physician primary care, physician specialty care, other provider care separately), hospital care (inpatient and outpatient), and prescription drugs drive most of your premium expense. Together they constitute 84% of the premium--92% if you include emergency department coverage in there.

The derided benefits (e.g., maternity and pediatric dental/vision) are a comparatively small fraction of your premium expense. Pediatric coverage in particular. Maternity/newborn care costs more but still adds less than $300 to the annual premium, whereas limiting those benefits only to those who specifically need then would raise their premiums by almost $14K.

Greenbeard said:

The Urban Institute has put out a useful brief quantifying the annual impact on premiums of the essential health benefits in a typical silver plan.

The picture is about what one should expect: office-based care (physician preventive care, physician primary care, physician specialty care, other provider care separately), hospital care (inpatient and outpatient), and prescription drugs drive most of your premium expense. Together they constitute 84% of the premium--92% if you include emergency department coverage in there.

The derided benefits (e.g., maternity and pediatric dental/vision) are a comparatively small fraction of your premium expense. Pediatric coverage in particular. Maternity/newborn care costs more but still adds less than $300 to the annual premium, whereas limiting those benefits only to those who specifically need then would raise their premiums by almost $14K.

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It's always been a fake issue.

Facts won't persuade anyone, since their position has always depended upon willful ignorance.

Obama care works. It's true! In states that actually do it right. In Seattle, for example, u have ur choice of 6 private insurance companies, paid for by Medicaid. It's the states fault for screwing it up. Oh, did I mention that when u have a 15$ an HR minimum wage? U see, they can afford their own insurance and they also have a reason to work. Health care should be a right anyway. Thanks Republicans for everything! Shame on u


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