The first open enrolment of Obamacare promised more incentives and cost

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the era of American workers "Obamacare opening to prepare the admissions season, prompt surfacing waiting for them - higher deductibles, accommodation and continue out high quality high salary reward, although more moderate than the amount of the past.
For coverage in 2014, affordable health care law "the effect of the key parts of the health care reform in the first year, will increase the premium of about 5%, according to the study. Although a significant feature of health-care law is through public insurance exchange regulations, personal insurance, it also contains the demand of employers pricing and planning functions.
Employer costs will rise 4% coverage of the family, an average of $16351, in which workers will pay the premium of $4565, according to the study of Kaiser family foundation and the health and education trust fund on Tuesday the 15th annual employer health and welfare. For single workers increased by 5%, to $5884, with the workers usually pay a $999.

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Towers Watson consultants predicted that in 2013 health care changes outlook survey, released on Wednesday, the overall medical costs will rise 5.2%, lower than the same period last year growth of 5.9%.
From the double-digit growth, it has been for the past 15 years in many typical momentum shift - Caesar's President and chief operating officer, said drew altman, a move that is good news.
But the workers don't have much joy to increase the speed of wage growth and four twice the rate of inflation, employee benefit research institute, a nonpartisan research institution, a senior researcher at Paul Long Siting said.
, within the scope of the premium being held in check because the change in course employers, according to a study. Employers cut subsidies, such as patients with low payment services together, in order to avoid triggering the so-called health-care law Cadillac tax, this will start punishment cost is high, the program in 2018.
Towers Watson (Towers Watson) in its 420 big companies in the July survey found that 60% of employers think their plan will qualify cost is high, if they don't change their products. Some changes, they are considering to provide encourage positive behavior, such as weight loss and increase employee's pay higher pay jointly share.
Employers in Kaiser survey is very keen on fitness program and promote the health of the staff elements, such as biometric screening and quitting. Kaiser, vice President and research director Gary; bricktownship said, "but as long as these programs lead to lower costs," this is not clear where is the evidence.
Eph Long Siting gives a plan that will provide free diabetes drugs, and at the same time improve the franchise's example. "Will be taken away, and you will see that something else is enhanced," he said.
The OUT - OF - out-of-pocket expenses
Another element to keep in check the rise of the premium is high deductible health plan, now account for 20% of employers plan to continue to grow.
For high co-payments program is a family premium is less than the preferred provider organization (PPO) plan, the contribution of nearly 20%, according to the Kaiser study telephone survey of 2067 employers in January to June.
However, this does not mean that, the overall medical costs all can't, including pocket elements of franchise continues to grow. One of the workers this year an average of $1135 to $1097 in 2012. In smaller companies, 31% of workers at more than $2000, an increase of 12%, from 2008, the franchise.
In addition, there is evidence that employees earn less, they have to pay more. Low-wage workers of the company, the labor income of $23000 or 35% of the following definition of the research of enterprise, to charge higher premiums to their workers. Compared to the average price of each company, high income workers $1363. This insurance also tend to have fewer features, resulting in low wage workers pay more less, their part of the higher income (39% for low wages of the workers' wage income is higher than 29%).
Exchange program
For the first time, Caesar research that requires the employer, if they plan their health insurance system, private health insurance exchange switch. In the planning and design, employers to workers in the plan, they can choose in an open exchange of a few suppliers to buy a set amount. In 2014, 29% of employers have 2014 or more workers are thinking about this.
Towers Watson (Towers Watson) of respondents also warmly, 37% said private exchanges, it will be a viable alternatives to traditional employer coverage, in 2014, 57% of people believe that by 2015, this would be a good choice.
EBRI Long Siting said, in the open enrolment this year season, a handful of employees will be sent to private communication. Only the two big companies have achieved leap so far: sears holdings company and darden restaurants ", but at some point, maybe, "he said.