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Physically Harmful, Risk Premium Rated — or Not?
[By Dr. David Edward Marcinko MBA CMP™]
[Editor-in-Chief]
Q: As both a doctor and health insurance agent, back in the day, many patients asked me about the health effects of caffeine consumption; especially malpractice attorneys during my expert witness depositions.
Other clients often wondered about how consumption affected their health insurance premium quotes.
A-1: Here are some reported effects of caffeine. The following effects are commonly attributed to over-use of caffeine. While reading them, bear in mind that what is true for one person may not be true for someone else:
1. Stimulates your heart, respiratory system, and central nervous system
2. Makes your blood more `sludgy’ by raising the level of fatty acids in the blood
3. Causes messages to be passed along your nervous system more quickly
4. Stimulates blood circulation
5. Raises blood pressure
6. Causes your stomach to produce more acid
7. Irritates the stomach lining
8. Makes digestion less effective by relaxing the muscles of your intestinal system
9. Its diuretic effect caused increased urination – although you’d have to drink about 8 coups of coffee in one sitting for this to occur
And so, here is an additional sampling of information about the health effects of caffeine.
A-2: And, caffeine has no affects on health insurance premium rates; smoking does!
Assessment
Source: www.freeinsurancequotes.net
Conclusion
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Filed under: Health Insurance, iMBA, Inc., Insurance Matters | Tagged: caffeine, Dr. David Marcinko, www.freeinsurancequotes.net |
The Leading Business Education Network for Doctors, Financial Advisors and Health Industry Consultants 
Average Annual Health Insurance Premium Trends for Family Coverage 2000-13
2000: $6,438
2004: $9,950
2008: $12,680
2010: $13,770
2013: $16,351
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013
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Andrew Moran: 10 States To Face The Largest Increases In Premiums For The Typical Family
1. Delaware- 100 %
2. New Hampshire- 90 %
3. Indiana- 54 %
4. California- 53 %
5. Connecticut- 45 %
6. Michigan- 36 %
7. Florida- 37 %
8. Georgia- 29 %
9. Kentucky- 29 %
10. Pennsylvania- 25 %
Source: Digital Journal
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Caffeine overdose ruled cause of prom king’s death
A caffeine overdose has been ruled the cause of an Ohio prom king’s sudden death before graduation in May.
http://www.usatoday.com/story/news/nation-now/2014/07/01/caffeine-overdose-prom-king/11863631/
Kiki
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Premiums for Employer-Sponsored Health Insurance Rose 4% This Year
[Caffeine Not-With-Standing]
Kaiser Family Foundation recently released their 2015 Employer Health Benefits Survey. Here are some key findings from the report:
• Premiums for employer-sponsored health insurance rose an average of 4% this year.
• Since 2005, premiums have grown an average of 5% per year, compared to 11% annually from 1999-2005.
• The average annual premium for single coverage is $6,251, of which workers on average pay $1,071.
• Workers contribute an average $4,955 to the average family premium of $17,545.
• 81% have plans with general annual deductibles, which average $1,318 for single coverage.
• Since 2010, there has been a 67% increase in health insurance deductibles.
Source: Kaiser Family Foundation, September 22, 2015
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Average Worker Health Plan Premium Contribution by Type, 2016
1. HMO, Single – $1,207
2. HMO, Family – $5,389
3. PPO, Single – $1,237
4. PPO, Family – $5,569
5. POS, Single – $1,011
6. POS, Family – $6,791
7. HDHP/SO, Single – $943
8. HDHP/SO, Family – $4,289
9. All Plan Types, Single – $1,129
10. All Plan Types, Family – $5,277
Source: Kaiser Family Foundation
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Yearly Health Insurance Premiums Were $12,012 For Top Earners 2018
A new analysis compared average premium data from the Internal Revenue Service (IRS) to data from the Current Population Survey (CPS). Here are some key findings from the report:
• In the top wage quintile, mean premiums were $12,012 (IRS data) and $10,624 (CPS).
• Premiums were $9,394 using IRS data ($8,080 with CPS data) in the fourth quintile.
• In the middle quintile, premiums were $7,371 using IRS data ($6,625 using CPS).
• Average premiums for employer health insurance are $1,000 higher using IRS data.
Source: MarketWatch, May 9, 2018
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Health Insurance Premiums
Overall premiums for employer health plans (employer and employee share) grew by 4.4 percent for single plans and 5.5 percent for family plans in 2017. Between 2016 and 2017, employee premium contributions rose by 6.8 percent to $1,415 for single-person plans and by 5.3 percent to $5,218 for family plans. The average deductible for single policies rose to $1,808 in 2017, a 6.6 percent increase.
Source: The Commonwealth Fund, December 7, 2018
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Average Employer-Sponsored Health Insurance Premiums Rose 4%
Kaiser Family Foundation recently released their 2020 Employer Health Benefits Survey results. Here are some key findings from the report:
• In 2020, employer-sponsored coverage premiums are $7,470 for single and $21,342 for family coverage.
• The average single and family premium increased 4% over the past year.
• Average annual dollar amounts contributed by workers are $1,243 (single) and $5,588 (family).
• Covered workers contribute 17% of the premium for single and 27% for family coverage.
Source: Kaiser Family Foundation, October 8, 2020
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