Health insurance is designed to protect patients from the risk of expensive medical services. The cost of insurance, however, is steadily rising. When costs are too high, healthier individuals tend to not purchase insurance coverage, resulting in a lower percentage of healthy individuals to pool with those who have health issues. This poses a challenge for employers and the government, as they are tasked with designing viable policies that balance cost and generosity of benefits. For this Discussion, examine the following scenario and consider the type of insurance policy the employer should design and provide for employees.
Scenario:
You are the employee benefits manager for a mid-sized construction company with 50 employees. You are responsible for working with insurance companies to design a health insurance policy to meet your company’s needs. An analysis of the health risks of your company’s employees indicated that there are two populations of typical individuals: 20Â- to 30-year-old workers with no known health issues and 40- to 50-year-old workers with chronic diabetes. Assume that 40% of the employees fall into the second category of workers with chronic diabetes.
To prepare for this Discussion:
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Order Paper Now- Analyze the provided scenario. What is the obligation of the employer and the government in insuring these two populations of individuals? How do moral hazard and adverse selection impact these insurance provisions?
- Consider the type of insurance policy the employer should design and provide for its employees. Be sure to consider type and generosity of coverage, premiums, deductibles, and cost-sharing.
Post a cohesive response to the following:
Analyze obligations of the employer and the government in insuring the two populations of individuals described in the scenario. Evaluate the impact of moral hazard and adverse selection on these insurance provisions. Then, recommend the type of health insurance policy the employer should design and provide for its employees. Defend your recommendations.
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Points: Points Range: 19 (47.5%) – 21 (52.5%) Discussion posting demonstrates a good understanding of most of the concepts and key points presented in the text(s) and Learning Resources. Posting provides moderate detail (including at least one pertinent example), evidence from the readings and other scholarly sources, and discerning ideas. Feedback: |
Points: Points Range: 17 (42.5%) – 18 (45%) Discussion posting demonstrates a fair understanding of the concepts and key points as presented in the text(s) and Learning Resources. Posting may be lacking or incorrect in some area, or in detail and specificity, and/or may not include sufficient pertinent examples or provide sufficient evidence from the readings. Feedback: |
Points: Points Range: 0 (0%) – 16 (40%) Discussion posting demonstrates poor or no understanding of the concepts and key points of the text(s) and Learning Resources. Posting is incorrect and/or shallow and/or does not include any pertinent examples or provide sufficient evidence from the readings. Feedback: |
| Peer Feedback and Interaction |
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Points: Points Range: 7 (17.5%) – 7 (17.5%) The feedback postings and responses to questions are good but may not fully contribute to the quality of interaction by offering constructive critique, suggestions, in-depth questions, additional resources, and stimulating thoughts and/or probes. Feedback: |
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| Writing |
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Points: Points Range: 0 (0%) – 5 (12.5%) Postings are well below graduate-level writing style expectations for organization, scholarly tone, APA style, and writing, or show heavy reliance on quoting. |
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