Which companies are covering their employees?
It’s a question that many employers want answered, but it’s unclear if insurance companies are doing enough to cover workers.
A recent report by the Institute for Policy Studies and the Center for American Progress found that workers are paying a premium of about $1,200 for their employer-provided health insurance, which can be passed down from one employee to the next.
Those premiums can be significant, as it can cost up to $500 per month for a single worker.
The researchers also found that in some states, the cost of paying for workers’ health insurance is far higher than the cost paid by employers.
In Wisconsin, for instance, workers pay $3,900 in premiums for health insurance.
In addition to health insurance premiums, employees can also be billed for doctor visits, dental care, vision care, and other services, which is one reason why some states require that employers cover some employees.
While there are ways to limit the cost to employees of their employer’s insurance policies, it is unclear if companies are offering enough to help them afford their health insurance bills.
“If you’re a worker and you’re in an area where you’re not covered by your employer, it’s really difficult to find a place to get the insurance you need, or to get it for the quality of care you need,” David Hsu, a health policy expert at the University of Washington, told Quartz.
In an interview with Quartz, a spokesperson for the Kaiser Family Foundation, which provides coverage for workers, said the foundation’s employees can access a “silver level” of coverage from Kaiser Permanente, which includes a deductible of $1.9 million.
The silver level includes a $1 million deductible, which means that the cost for the same coverage would be $3.3 million, the spokesperson said.
The spokesperson added that Kaiser Pemmican does not cover some workers, including retirees.
The Kaiser Family also declined to provide the names of companies that do not cover employees, citing privacy issues.
For employers that don’t cover workers, there are a few options.
In California, for example, employers must cover workers at least 65 and their dependents under a state-mandated health care plan, Kaiser Pomeranz said.
Workers with chronic illnesses, mental health issues, or other physical or mental disabilities are eligible for state-sponsored insurance.
Employers also can purchase insurance for employees with pre-existing conditions, which are considered a higher-risk group, Kaiser said.
The group also said that companies with at least 20 employees can opt to buy insurance from a state exchange for at least 90 days for employees who don’t have pre-paid insurance.
The Kaiser Family Health Plan, an online exchange, provides coverage to all employees who meet eligibility criteria, including those who are under age 65 and have pre of pre-established health conditions.
But employers are allowed to opt out of the exchange if they are unable to provide coverage on a timely basis.
In Oregon, the employer-only health insurance plan Kaiser Pomegranate provides employees through its state-based exchange is fully paid for through a partnership with Anthem Blue Cross and Blue Shield.
Oregon employers can opt out and continue to pay premiums to the state exchange, Kaiser’s spokesperson said in an email.
For employees with a pre-planned medical procedure, the health plan will pay the entire cost of the procedure, and Kaiser Pomagenate will reimburse employees for up to 75% of the cost.
But, if a patient dies, the company is responsible for the full costs of the funeral and burial.