We are not picking on TSHBP – their program is not much different than any other employer sponsored plan of the past 40 years.
In this case it’s obvious the plan sponsor is doing only enough to get by and is not invested in plan performance and longevity. Only the sickest and oldest will join while the younger and healthier will seek cheaper and better coverage on greener pastures.
The Aetna and Healthsmart PPO options will continue to fail to reign in health care costs. Under the ACA’s minimum loss ratio mandate there is no incentive to control costs. There is every incentive to increase costs.
Employers, whether they like it or not, are in the health care business. It’s time they take responsibility for that.
