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Title : Humana Caps Annual Increases On Consumer-Driven Plans--Too Bad It Isn't A Existent Guarantee

link : Humana Caps Annual Increases On Consumer-Driven Plans--Too Bad It Isn't A Existent Guarantee

Humana Caps Annual Increases On Consumer-Driven Plans--Too Bad It Isn't A Existent Guarantee

Humana says it volition cap annual increases on self-insured consumer-driven plans for iii years.

Two problems:

• Humana is capping the costs of its "SmartResults" self-insured plans together with exclusively putting 40% of their fees at risk. If they were actually putting their coin where their oral cavity is they would live on capping the toll of fully insured plans--and if they are then confident on their self-insured product, why non seat all fees at risk?
• Humana is guaranteeing that the consumer-driven employer plans total wellness costs volition rising past times no to a greater extent than than 6% to 9% during the adjacent iii years (based upon how aggressive the employer excogitation is). Since they get got consistently said employer tendency is immediately inward the 5.5% to 6.5% range, I wouldn't telephone telephone that ane of the bigger risks I get got e'er seen a wellness insurer take.

They indicate out that their consumer-driven excogitation costs exclusively rose past times 4.2% betwixt 2002 together with 2006. The employment I get got alongside that is that every bit consumer-driven plans grow they tend to run out the healthiest people first. Influenza A virus subtype H5N1 consumer-driven excogitation should get got lower tendency at first. The enquiry is whether that is sustainable or not?

Apparently, Humana agrees alongside my occupation organisation that their 4.2% tendency charge per unit of measurement won't live on sustained. If they believed inward their 4.2% tendency rate, they'd live on guaranteeing a lot ameliorate than a 6% to 9% cap.

More Than 10 Million Now Using Consumer-Driven Health Care Accounts--We Will Soon Have Enough Data to Know How Well HSAs together with HRAs Work

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