The number of Pennsylvania employees under age 65 who are covered by an employer-sponsored health insurance plan declined by 5.1 percent between 1999 and 2005. In the same years, employer-provided coverage for families with children under age 18 declined by 8 percent.
The trend isn't limited to Pennsylvania. The number of uninsured has increased nationally as well. According to the latest figures, 15.9 percent, or 46.6 million individuals, went without health insurance in 2005.
Tip: This is the time of year that many employers receive their health insurance renewal rates. Be sure to discuss all the alternatives with your broker or carrier. A veritable alphabet soup of possible plans now exist. Some, like Health Savings Accounts that can be combined with high-deductible insurance plans, can help you significantly lower employer costs.