"Our Prescription for Ailing Corporate Bottom Lines"


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Health care is a huge and growing sector of the U.S. economy. The United States spends in excess of $2.6 trillion on health care, roughly 17 percent of the nationís gross domestic product. Additionally, government is responsible for approximately 50 cents of every dollar spent on health care because of large and rapidly growing federal and state health care programs such as, Medicare, Medicaid, and SCHIP. The result of this government intrusion into the private sector is that health care is one of the most highly regulated sectors of the American economy. Government financing means government controls, which too many, means less personal freedom. 

On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act. {PPACA} On March 30, 2010, he signed into law the Health Care and Education Reconciliation Act. Together, these reforms are triggering sweeping changes and are causing massive disruption across the entire country. Employers and other important stakeholders are asking what are the repercussions of this unprecedented legislation. The most pressing short-term issues for employers are the provisions that need to be implemented by plan sponsors as of January 1, 2011, or even sooner in some cases. The other provisions of PPACA for most employers are fairly benign in the short term. Unfortunately, the long-term impact of this legislation is a more ominous concern. Since nearly every employer will be affected, especially as we approach 2014 and 2018, itís critical for employers to take full advantage of the time they have right now to assess the various business scenarios, benefits planning and change management, and total reward implications.   

The principal divide in America is what to do about rapidly rising costs. On the one side are those who believe the solution is to enhance the governmentís power to direct the systemís resources and enforce budgetary controls, code words for socialized medicine. On the other side are those who believe the answer is a functioning marketplace for insurance and care, not coercion and heavy-handed regulation. The key to such a competitive market is cost conscious consumers, something sorely lacking today. Regardless of ideology or political perspective, many have correctly concluded that our current system is broken; that it delivers an inconsistent level of quality care and questionable value; and that it leaves many outside the system. Inexplicably, PPACA does not address any of these legitimate concerns. The never ending cycle of legislation, regulation, compliance, and litigation will continue to repeat itself as new laws are passed in response to omnipresent court decisions.       

We believe the best strategy for employers is to make changes that are beneficial even if regulations are delayed, legal challenges reverse current law, or political control in Washington changes .Consumerism is such a change and represents the health care model of the future in that empowers individuals by placing economic purchasing power and decision Ėmaking into the hands of those who use the benefits. Reform will certainly produce changes and unintended consequences for employers, employees, and medical providers. Each will begin to reposition their business and personal interests to minimize the damage that will undoubtedly be created by PPACA. As some continue to debate the merits and shortcomings of PPACA, the mega trend of consumerism will continue unabated. From the material that is available on our site, you can access a wealth of information and insights. We encourage you to search for specific information or to browse the content to gain a broader perspective on the issues as they relate to the industry, a broker, an employer or an employee.

Health Reform Resource Center

The Reform Resource Center was specifically created to assist employers to better understand the pending changes and provide guidance as they plan for the future reality of health care reform.  These insights help employers understand the potential changes and the importance of strategic planning.
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Consumerism is about transforming the benefit program by placing economic purchasing power in the hands of employees.  It's about implementing new strategies along with information, financial incentives, and decision support tools. 
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Complete Solution

Do you know how much your organization is really spending on payroll, HR, and benefits administration?   Significant financial benefits await organizations who are ready to embrace and implement process and technology changes.