Pandemic-related job cuts have led 14.6M in U.S. to lose insurance

Up to 7.7 million U.S. workers lost jobs with employer-sponsored health insurance during the coronavirus pandemic, and 6.9 million of their dependents also lost coverage, a new study finds.

Workers in manufacturing, retail, accommodation and food services were especially hard-hit by job losses, but unequally impacted by losses in insurance coverage.

Manufacturing accounted for 12% of unemployed workers in June. But because the sector has one of the highest rates of employer-sponsored coverage at 66%, it accounted for a bigger loss of jobs with insurance — 18% — and 19% of potential coverage loss when dependents are included.

Nearly 3.3 million workers in accommodation and food services had lost their jobs as of June — 30% of the industry’s workforce. But only 25% of workers in the sector had employer-sponsored insurance before the pandemic. Seven percent lost jobs with employer-provided coverage.

The situation was similar in the retail sector. Retail workers represented 10% of pre-pandemic employment and 14% of unemployed workers in June. But only 4 in 10 retail workers had employer-sponsored insurance before the pandemic. They accounted for 12% of lost jobs with employer-sponsored insurance and 11% of potential loss including dependents.

The study was a joint project of the Employee Benefit Research Institute, the W.E. Upjohn Institute for Employment Research and the Commonwealth Fund.

“Demographics also play an important role. Workers ages 35 to 44 and 45 to 54 bore the brunt of [employer insurance]-covered job losses, in large part because workers in these age groups were the most likely to be covering spouses and other dependents,” said Paul Fronstin, director of EBRI’s Health Research and Education Program.

“The adverse effects of the pandemic recession also fell disproportionately on women,” Fronstin added in an EBRI news release. “Although women made up 47% of pre-pandemic employment, they accounted for 55% of total job losses.”

More information

The U.S. Centers for Disease Control and Prevention has more on COVID-19.

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How we can help the unemployed keep their health insurance

Keith Prisco is a stagehand at the United Center in Chicago and a proud union member of IATSE Local 2. Like tens of millions of Americans, he receives health insurance through his employer for himself and his family. The security of this coverage is even more important for Keith after he was diagnosed with leukemia four years ago. But when COVID-19 put a screeching halt on live events, that meant Keith was out of work — jeopardizing his health care coverage in the middle of a pandemic.

As COVID-19 continues to threaten the health and safety of Americans, millions of workers have found themselves under threat of losing their jobs, their health coverage, and their financial savings — all through no fault of their own.

It is unconscionable that unemployed or furloughed workers could also lose health coverage during a public health crisis, yet there are an estimated 10 to 15 million Americans who have lost their employer-sponsored health insurance since the pandemic began. Many unemployed Americans would prefer to remain on their employer health plan, known as COBRA, but it is often prohibitively expensive — on average, $1,700 per month for a family.

From the earliest days of this crisis, the Chicago labor movement and Sen. Durbin identified continuing health coverage for working people as a critical issue.

That’s why labor unions, health care providers, and consumer organizations are joining with Congress to call for the passage of the Worker Health Coverage Protection Act, a bill introduced by Sen. Durbin that would protect millions of unemployed or furloughed workers from losing their health insurance by enabling them to access subsidized COBRA coverage and keep their insurance. The bill would provide a 100 percent subsidy of COBRA health insurance premiums owed by unemployed workers, in nearly all employment-based health plans, to ensure that they do not lose coverage due to the COVID-19 pandemic.

This is an emergency measure Congress must take to protect the health and safety of American workers as we all battle the ongoing crisis. In fact, similar federal support for COBRA was provided following the 2008 financial crisis.

The Worker Health Coverage Protection Act would allow workers who have been involuntarily terminated in nearly all employment-based health plans, including private sector plans, multiemployer plans, state and local government plans, and the Federal Health Benefits Program, to access subsidized COBRA coverage.

As we work to safeguard the coverage gains and patient protections of the Affordable Care Act, and expand its reach to help lower costs for consumers, this important legislation is an immediate way to prevent Americans from losing coverage.

If you lost your job because of the pandemic, you should not also lose your health coverage. Not only is that common sense, but it is sound economic policy that will help working people bounce back stronger.

The House of Representatives has already passed the Worker Health Coverage Protection Act as part of the HEROES Act in May, and Senate Democrats introduced the bill last week. We cannot

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Florida Healthy Kids | Low Cost Insurance for Kids


STOP THE SPREAD OF GERMS AT HOME

Cover your mouth and nose when you cough or sneeze. Keep tissues close by. Cough or sneeze into your shirt sleeve if necessary.

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Disinfect shared surfaces daily.

Avoid touching your eyes, nose, and mouth.

Stay home when you are sick. Call your doctor for advice if needed.

If you’re interested in applying for Florida KidCare coverage for your child(ren), use this simple eligibility calculator to estimate what your monthly premium payment would be.

National Children’s Dental Health Month serves as a great reminder for the importance of your child’s oral health. Call your dentist and schedule a routine cleaning and talk to your dentist about a preventive coating called a sealant that can protect your child’s teeth from cavities and decay.


Comprehensive, quality healthcare services for Florida’s children

Covering kids ages 5 through 18 isn’t just what we’re known for, it’s what we’re passionate about. Our comprehensive, child-centered health and dental insurance has your school-aged child covered during each stage of growth and development.

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Compare Medical Insurance Plans in India

Health Insurance is a type of insurance that offers financial coverage for medical expenses, in the case of policyholder hospitalization. Health insurance plans provide health coverage to the insured with multiple benefits including cashless hospitalization, day-care facility & reimbursement of the incurred expenses and many more.

What is Health Insurance Policy

What is a Health Insurance Policy?

A health insurance policy is a contract between the insurer and policyholder in which insurance company provides financial coverage for medical expenses incurred by the insured. A health policy provides benefit of reimbursement of medical expenses or cashless treatment mentioned in the health policy.

Apart from the medical coverage, a Health Insurance Policy also offers tax under section 80D of the Income Tax Act, 1961.

Medical expenses are sky-rocketing! Get health insurance plans for your medical outlay. With a cashless facility, stay tension-free. Approved by IRDAI, Policy Bazaar helps you compare and find the best health plan.

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Top Health Insurance Plans in India 2020

These health insurance companies are ranked based on their Incurred Claims Ratio. All the insurance companies provide this ratio, which is basically the ratio between the total premium earned in a year and the total claims incurred by these insurance companies. ICR determines the performance of these insurance companies. And the higher this ratio is the better is the claim settlement track record.  And it might be better to just opt for an insurer with a higher ICR.

Listed below are some of the top health insurance plans from some of the best insurance companies:













Insurance Companies Health Plans Sum Insured (Rs.) Network Hospitals Incurred Claim Ratio
Aditya Birla Health Insurance Activ Assure Diamond Plan 10-30 lakhs 5850+ 59%
Bajaj Allianz Health Insurance Health Guard Insurance Plan 1.5-50 lakhs 6500+ 85%
Bharti AXA Health Insurance Smart Super Health Insurance Policy 5 lakhs- 1 Cr. 4300+ 89%
Cholamandalam Health Insurance Chola MS Individual Healthline Insurance Policy 2- 15 lakhs 6500+ 35%
Digit Health Insurance Digit Health Insurance Plan 2- 25 lakhs 5900+ 11%
Edelweiss Health Insurance Edelweiss Health Insurance Plan 5 lakh- 1 Crore 2578+ 115%
Future Generali Health Insurance Future Health Suraksha Individual Plan 5-10 lakhs 5000+ 73%
HDFC Ergo Health Insurance Optima Restore Plan 3-50 lakhs 4721+ 62%
IFFCO Tokio Health Insurance Family Health Protector Policy 1.5- 30 lakhs 5000+ 102%
Kotak Mahindra Health Insurance Kotak Health Premier 4800+ 47%
Liberty Health Insurance Health Connect Supra Top-up up to 1 Crore 3000+ 82%
Max Bupa Health Insurance Health Companion Individual Plan 3 lakhs-1 Cr. 4115+ 54%
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Health Insurance Marketplace | HealthMarkets

© 2020 HealthMarkets Insurance Agency. All rights reserved.

Attention: This website is operated by HealthMarkets Insurance Agency and is not the Health Insurance Marketplace website. In offering this website, HealthMarkets Insurance Agency is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

Sources:
Kaiser Family Foundation (2013). Average Single Premium per Enrolled Employee For Employer-Based Health Insurance.

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Personal Trainer & Fitness Instructor Insurance

There are inherent risks, with all exercise classes and personal training sessions. Fitness Instructor liability insurance protects you, the trainer, from claims and potential lawsuits for a multitude of accidents that could happen during class or training session. Fitness instructor general liability insurance protects you from accidents that may arise, through no fault or error of your own, as the instructor.

For example, if a student slips and falls on some split water during a training session and breaks their leg, you may be liable. If a student pushes themselves too far, into a move they cannot do or overexerts themselves and gets injured or has a medical complication, you may be liable.

While you may work hard to stay current with the health situations of each client, sometimes they are not as forthright with their conditions as you need them to be. For example, you may have a female client who has recently become pregnant, but has chosen not to share that information with you. You might also have a male client who has a heart condition, or other serious health condition that could put him at risk during some of the higher intensity moves he will perform in class. Fitness instructor insurance would protect you from claims arising due to conditions like these. You can see why it is critical for the protection and longevity of your fitness business that you make sure to have insurance coverage.

Insure Fitness Group offers the most affordable and most comprehensive fitness instructor insurance available. Unlike other insurance companies, we will cover a claim that happens within the policy period- even if it is filed 2 years later. With this type of support and coverage, we know that you will be able to rest easy and focus your full attention on your clients. Teach confidently and have peace of mind with insurance coverage from Insure Fitness Group.

Get Insured Now.

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What is HIPAA (Health Insurance Portability and Accountability Act) ?

HIPAA (Health Insurance Portability and Accountability Act of 1996) is United States legislation that provides data privacy and security provisions for safeguarding medical information. The law has emerged into greater prominence in recent years with the proliferation of health data breaches caused by cyberattacks and ransomware attacks on health insurers and providers.

The act, which was signed into law by President Bill Clinton on Aug. 21, 1996, contains five sections, or titles.

Title I: HIPAA Health Insurance Reform

Title I protects health insurance coverage for individuals who lose or change jobs. It also prohibits group health plans from denying coverage to individuals with specific diseases and pre-existing conditions, and from setting lifetime coverage limits.

Title II: HIPAA Administrative Simplification

Title II directs the U.S. Department of Health and Human Services (HHS) to establish national standards for processing electronic healthcare transactions. It also requires healthcare organizations to implement secure electronic access to health data and to remain in compliance with privacy regulations set by HHS.

Title III: HIPAA Tax-Related Health Provisions

Title III includes tax-related provisions and guidelines for medical care.

Title IV: Application and Enforcement of Group Health Plan Requirements

Title IV further defines health insurance reform, including provisions for individuals with pre-existing conditions and those seeking continued coverage.

Title V: Revenue Offsets

Title V includes provisions on company-owned life insurance and the treatment of those who lose their U.S. citizenship for income tax purposes.

In healthcare circles, adhering to HIPAA Title II is what most people mean when they refer to HIPAA compliance. Also known as the Administrative Simplification provisions, Title II includes the following HIPAA compliance requirements:

  • National Provider Identifier Standard. Each healthcare entity, including individuals, employers, health plans and healthcare providers, must have a unique 10-digit national provider identifier number, or NPI.
  • Transactions and Code Sets Standard. Healthcare organizations must follow a standardized mechanism for electronic data interchange (EDI) in order to submit and process insurance claims.
  • HIPAA Privacy Rule. Officially known as the Standards for Privacy of Individually Identifiable Health Information, this rule establishes national standards to protect patient health information.
  • HIPAA Security Rule. The Security Standards for the Protection of Electronic Protected Health Information sets standards for patient data security.
  • HIPAA Enforcement Rule. This rule establishes guidelines for investigations into HIPAA compliance violations.

What is the purpose of HIPAA?

HIPAA, also known as Public Law 104-191, has two main purposes: to provide continuous health insurance coverage for workers who lose or change their job, and to reduce the administrative burdens and cost of healthcare by standardizing the electronic transmission of administrative and financial transactions. Other goals include combating abuse, fraud and waste in health insurance and healthcare delivery and improving access to long-term care services and health insurance.

HHS expanded the act when it put the HIPAA omnibus rule in place in 2013 to implement modifications to HIPAA in accordance with guidelines set in 2009 by the Health Information Technology for Economic and Clinical Health (HITECH) Act. These guidelines concern the responsibilities of business

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