When your employer rolls out its menu of health insurance benefits this fall, don’t be surprised if you have more options than you did last year. As companies try to cater to workers’ diverse needs, they’re dishing out a broader selection of plans. Employers say that offering or expanding benefit choices is their highest priority over the next three years, according to a survey from consultant Willis Towers Watson. To help keep your premiums and their own costs down, companies have been adding high deductible plans linked to a health savings account—or even dropping traditional plans from their menu and making a high-deductible plan the only option. But among large employers, the number of organizations offering only a high deductible plan will fall to 25% in 2020, according to a survey by the National Business Group on Health, compared with 30% in 2019 and 39% in 2018.
WEIGH THE CHOICES
Greater choice is a good thing—but you’ll have to study up to ensure that your plan meets your medical needs at the lowest cost. In 2020, employers expect the cost of health care benefits to rise by 5%, according to the NBGH survey. The projected total cost per employee (including any family members on the plan) next year is $15,375, compared with $14,642 in 2019. The NBGH didn’t estimate average premiums and out-of-pocket expenses for 2020, but in 2019, workers at large companies picked up nearly $4,500 of the tab in premiums and out-of-pocket expenses, and employers shouldered the rest.
هذه القصة مأخوذة من طبعة November 2019 من Kiplinger's Personal Finance.
ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.
بالفعل مشترك ? تسجيل الدخول
هذه القصة مأخوذة من طبعة November 2019 من Kiplinger's Personal Finance.
ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.
بالفعل مشترك? تسجيل الدخول
HOW INFLATION ADJUSTMENTS WILL AFFECT YOUR TAXES
We looked at IRS rules for 2025 on everything from tax brackets to how much you can save in retirement accounts.
GUARD AGAINST IDENTITY THEFT IN THE NEW YEAR
Scammers are getting better at impersonating legitimate businesses.
SHOULD YOU BUY PET HEALTH INSURANCE?
You can fend off big veterinary bills with a policy that covers your furry companion.
THE LOWDOWN ON BUYING A VACATION HOME
If you return to a beloved destination again and again, purchasing a home there may be a smart move-but don't overlook the costs and effort that go into it.
HOW COUPLES CAN MANAGE DIFFERING RETIREMENT TIME LINES
Staggered retirement is increasingly common, but it can create financial and emotional challenges.
AVOID THESE CREDIT MISSTEPS
KIPLINGER ADVISOR COLLECTIVE
WHAT YOU NEED TO KNOW ABOUT WORKING FOR YOURSELF
Whether you're looking for a side gig or planning to start your own business, it has never been easier to strike out on your own.
My Top 10 Stock Picks for 2025
SINCE 1993, I have offered an annual list of 10 stocks with the potential to beat the market in the 12 months ahead. My 2024 selections notched the highest return ever: an average of 48.9%. I beat the S&P 500 index by 10.8 percentage points, and every one of my stocks was up-six by more than 30%.
WHAT MAKES AN ETF SUCCESSFUL?
EXCHANGE-traded funds have exploded in popularity, with the industry now reaching the milestone of $10 trillion in assets.
TIPS FROM INSIDERS
When corporate insiders buy or sell, it can offer clues on whether you should do the same.