Even With Employer-Based Health Insurance, American Workforce Can’t Afford Care
2 Minutes
Team Curative
Nov 14, 2023
If you’ve ever been on a health plan from your employer and still feared the cost of services: you’re not alone. In 2023, Curative commissioned a study conducted by the Health Analytics and Insight Group, which sought to understand the experiences of Americans with employer-based insurance plans. The main objective was to assess how the current cost-sharing arrangements impact utilization, overall health and well-being, and identify the primary barriers to accessing necessary care and treatment.
What we discovered: Employer-sponsored healthcare in the United States falls massively short on its promise to cover needed care and protection against high unexpected medical expenses. Instead, the working insured are left with essentially only a catastrophic health benefit plan, leading to delayed care and mounting medical debt when they seek treatments. The status quo has ultimately resulted in both a health and financial crisis for many employees, while employers fail to derive value from their costly investment in health benefits.
The current health insurance landscape looks like this:
Lack of transparency and complex systems breed confusion.
Increased cost-sharing prices out care for employees.
Employees’ forced choice: delay or skip care, or take on medical debt.
Poor health undercuts work productivity and performance.
Talent has a critical eye on their health benefits.
What employees truly need is a health plan that removes concerns over costs and encourages employees to get care at any time. Only then will employees utilize their health benefits to actually achieve greater health, and businesses will benefit from more productive, engaged employees.
To learn about the full study, please download the report here.
To see all disclaimers, please view here.
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