My point exactly

There is a trend well in place
to transfer all risk and cost to the employee

It happens with your pension being "converted" or replaced into a 401 (k)
then at retirement to a self directed IRA
No guarantees all based on the market or an annuity that you pay for

(Hopefully combinations of both)
They are portable because all of us will have many jobs
Good enough

Your health Insurance has a Cal-Cobra clause in CA
but you pay 2% more than your employer did for the same coverage
and you are unemployed
Unemployment is not 100% of what you made while working
or even50%- anyone know the % of annual or weekly pay that CA pays unemployment at?

Not much- how does one afford to pay for COBRA?

Your health insurance is costing employers a lot
that and executive comp- deferred comp and key man insurance

A large comapny (who I cannot divulge since I learned this on a consulting job) pays 10M in payroll and AN ADDITIONAL 5 M in benefits

The risk pool which I thought would buffer a company of 14000 employees
has an experience factor so the pool is not diverse enough to support a risk spread!

It is an interesting paradigm- when healthcare becomes too expensive for the employer
we add the unemployed and the indigent to the mix and this will lower premiums

Logic? is where?

The indigents will have health care issues that will be very expensive indeed

Soylent Green?




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