Costs are shifting to employees, that survey found. Employees’ share of annual premiums for the average employer-provided plan is projected to rise 7% this year to $2,975. Employees are expected to shoulder 37% of premiums this year, up from 34% in 2011. The ACA aims in part to control health-care spending. Provisions of the law, such as the creation of accountable-care organizations, were designed partially with that goal in mind. Insurers are subject to more-rigorous review when proposing higher premiums. And people who can’t afford coverage can get government assistance via tax credits, help with copayments and expanded access to Medicaid, the federal/state programs for the poor. Healthcare.gov offers detailed information on premiums and links to a calculator to estimate the amount of premium assistance. “Employers have been facing increasing premiums for employees for many years, long preceding the health-care law,” said the Centers for Medicare and Medicaid Services in a statement. It noted premiums since the ACA’s passage have grown at “the slowest rates on record.” For folks facing higher prices, a few strategies can help. If you’re covered by your employer, talk to your human-resources department, counsels Cheryl Fish-Parcham, deputy director for health policy at Families USA, a not-for-profit focused on health-care consumers.
Expect Health-Insurance Premiums to Rise
Supreme Court considers corporate religious objections to health law’s birth control coverage
There are separate lawsuits challenging the contraception provision from religiously affiliated hospitals, colleges and charities. The federal appeals court in Denver ruled in favor of Hobby Lobby. Conestoga Wood lost its case at the federal appeals court in Philadelphia In many respects, Hobby Lobby is the sort of company Obama would be pointing to as he advocates for corporate responsibility and a higher minimum wage. Hobby Lobby’s base pay for full-time employees is almost twice the federal minimum wage of $7.25 an hour. They are offered health insurance, dental coverage and a retirement savings plan. Hobby Lobby stores close most nights at 8 p.m., which the company says is aimed at allowing employees to spend more time with their families. The Greens say they have no desire to make health care decisions for their employees, but neither do they want to contribute to services to which they object. One key issue before the justices is whether profit-making corporations may assert religious beliefs under the 1993 religious freedom law or the First Amendment provision guaranteeing Americans the right to believe and worship as they choose. The court could skirt that issue by finding that http://alex-simring-cello-tuition.wikispaces.com/wiki/changes the individuals who own the businesses have the right to object.