Health insurance has become a way for employers to keep tabs on employees’ health, as it’s increasingly a requirement of employment.
But the issue is also being raised by those who are questioning how much people actually know about the health care system.
In a series of articles on health insurance coverage published by The Atlantic, health care writer Matt Taibbi examines the question of how much information workers are getting from their employers.
“It’s an incredibly important question because it’s one that is really the subject of a lot of debate and I think a lot people who work in health care, or are people who have a lot to do with health care are really confused,” Taibb writes.
For example, he writes, some employers may be surprised to learn that they do not have a health insurance plan, meaning that they can’t make decisions about coverage or how to pay for it.
And while employers are supposed to provide health insurance, they often don’t, he says.
“Employers have a much harder time understanding what’s in a policy than employees do,” he writes.
Employers also tend to make decisions on the basis of what’s best for their employees.
“For many people, this is a really difficult decision to make,” Taubbi writes.
“For some people, it’s a choice between buying insurance or taking care of themselves,” he continues.
“But for many people this is simply the easiest thing to do.
It’s the easiest to buy, because insurance is the cheapest way to pay, and it’s the cheapest to pay out.
And so people don’t have to worry about what kind of insurance they get, they don’t need to worry whether they get a plan or a subsidy, they just get what they need.”
While Taibbs article focuses on how employers can get information from their workers, Taibs points out that many employers do not.
“Most employers don’t offer health insurance to their employees, and some employers don, but for most people, the information is very limited,” he says.
Some of these policies, like employer-based plans, are very complicated and have very strict requirements,” he notes. “
What employers are not telling their workers is that they have a complex set of rules and policies,” he concludes.
“Some of these policies, like employer-based plans, are very complicated and have very strict requirements,” he notes.
“They don’t cover every situation that might occur in a workplace, but they do cover most of the things that can happen in a workforce.”
Taibb’s piece is a reminder of the importance of having a wide range of information available to workers.
“If you want to be confident in the health and safety of your employees, you need to be able to get a broad range of data, including what’s covered and what’s not covered,” he suggests.
“As health care has become more of a mandatory requirement of being an employer, this has created a situation where people have a hard time making informed decisions,” he adds.
“In the case of employers, this leads to the potential of employees being overconfident in the quality of their health care.”
To learn more about Taibbers piece, visit his website.