Health insurance companies divide their insureds into two categories ...

1.  Small Group (1 to 50 lives) ... These groups are community rated.
2.  Large Group (51 and up lives) ... These groups are experienced rated.

While community rated groups are not directly affected by claims, large groups are directly affected by claims.  The "bottom line" is that for all companies to better control their health insurance costs, they've got to find a way to help their employees improve their health.

It is estimated that three of every four healthcare dollars are spent on chronic health conditions, many of which are caused by obesity and smoking .. diabetes .. hypertension .. heart disease .. stroke .. mental disorders.  For the most part, these conditions are both treatable and manageable.  Many of these can be managed with medication adherence.
 

The above chart (we apologize for the small print) bears this out in that the Alternative Path depicts how these conditions respond to proper treatment.  To download the actual report (bigger print), click here.

Since 75% of the healthcare dollar is spent on manageable health conditions, how can employers help employees become healthier? 

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