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Association Health Insurance Overview |
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Here we address the current medical insurance landscape including issues and barriers many professionals encounter in gaining medical insurance, as well as lobbying efforts towards making comprehensive medical insurance more accessible to small businesses and independent contractors. Finally, CPR introduces a new affordable and guaranteed-acceptance health insurance program developed exclusively for your members. The program is available today. The Current Health Insurance Problem Despite a long-standing tradition of employer-provided health insurance, today more than 46 million individuals in our nation have no health insurance. More than half of these Americans are self-employed, own small firms, or work for small businesses.
The Struggles are Greater for the Self-Employed In most states, the self-employed are relegated to the state's individual insurance market, where applicants can be turned down for medical reasons, such as pre-existing conditions, and there are few limitations placed on the premiums companies can charge (often making premiums unaffordable). Many association professionals have found it even more challenging, evidenced by the fact that today more than one in four realtors, for example, have no health insurance coverage.
Why Isn't a Group Major Medical Insurance Program for Members Offered Through Other Associations? In an effort to find a solution, many members turn to associations of professionals hoping that the Association offers a national group major medical insurance plan. Although group health insurance plans are available to corporations for their employees, "A"-rated insurance companies have been reluctant to offer such plans on a national scale to associations for their members, particularly when the members are independent contractors and participation in a plan is voluntary. This is because of the complexity and administrative burden of offering a group insurance program that meets the differing requirements of all 50 states that has been addressed by CPR.
Ongoing Efforts in Washington Lobbying efforts continue to encourage Congress to pass small business health care legislation that would allow independent contractors and small businesses to more easily band together to receive more affordable major medical health insurance. Should legislation be adopted, more associations will be actively involved in discussions with the nations’ insurers to work out a comprehensive health insurance coverage package that they could provide easily nationwide and should reduce costs.
Questions or Comments Please feel free to send your questions or comments to GroupBenefits@CPR-ASO.com. |