Features, Opinion

Guest Editorial: Americans are right to worry about insurance

By Larry Hausner
Special to the Herald Times
RBC | Of all their concerns about healthcare, Americans are most worried about whether they can afford their insurance. That’s the key finding from a new Morning Consult survey of more than 20,000 people.
It’s easy to see why Americans are so anxious. Premiums are set to rise sharply next year. And insurers are shifting more of the cost of procedures and medicines onto patients. In short, people are paying more but getting less coverage. In many cases, patients appear to be skipping needed treatments because they can’t afford their copays or co-insurance.
Unaffordable insurance is a problem for the nation, not just for individual households. If people don’t have quality coverage, they’ll be stuck with ineffective treatments. Their conditions can worsen—causing their healthcare costs to balloon.
Rising premiums are crushing family budgets across the nation. More than four out of ten Americans said that their monthly health insurance premiums increased in the past year. Come 2017, insurers will increase premiums for employer-sponsored plans about 5 percent. For Americans who buy coverage on the Affordable Care Act exchanges, premiums will skyrocket 25 percent, on average. Consumers in many states could see their premiums increase 60 percent or more.
Insurers are making patients shoulder a larger share of treatment costs. Four out of 10 Americans say that their out of pocket costs have spiked in the past few years, according to the survey. As of 2014, Americans were spending more than triple on their deductibles than they had a decade prior, according to the Kaiser Family Foundation.
In exchange for the added costs, Americans are receiving less coverage.
Insurers increasingly exclude some providers from networks to squeeze big discounts out of the remaining in-network doctors and hospitals. As a result, four in ten consumers had trouble, or knew somebody who had trouble, finding an in-network doctor or clinic.
Recently I had a medical issue that required surgery. The cost of the out-of-network surgeon was $18,000. The insurance company refused to pay the doctor’s charge for the surgery. After three long and tedious rounds of appeals, an outside arbitrator deemed that the surgery should be covered since it was an emergency situation. The insurance company paid the surgeon its previously negotiated in-network fee of $179.47. The number of in-network doctors, and thus patient’s choices, is shrinking.
Firms are also dragging their feet or flat out refusing to pay for certain therapies. Nearly 30 percent of Americans report that their doctor prescribed them a treatment that wasn’t covered by insurers. A similar percentage experienced difficulty getting an insurer to cover a needed treatment.
The thinning coverage and bulked up costs mean that healthcare is, in practice, inaccessible for many people, even though they technically have insurance coverage. A majority of Americans either couldn’t fill a prescription, or know someone who couldn’t, because the cost-sharing requirement was too high.
Consider the story one doctor recently shared about his patient suffering from ulcerative colitis, a chronic disease that causes inflammation in the large intestine. The doctor had prescribed the 28-year-old woman two medications that got her colitis under control.
But a year later, the woman returned to his office, crying. She was sicker than before. The doctor asked if the medicines had stopped working. She then revealed that she had quit taking them because her insurance company stopped covering the drugs, and she couldn’t afford the out of pocket costs.
Going without treatment is bad for patients—and for the nation’s healthcare budget. Nearly 60 percent of the population suffers from at least one chronic disease. Preventing and managing these diseases is vastly cheaper than letting them spiral out of control.
Chronic diseases are already projected to cost us $42 trillion from now until 2030. If insurance quality continues to decline and more patients can’t adhere to their treatments, the bill could grow even larger.
Reforms to lower insurance costs and ensure quality coverage would enable patients to better manage their chronic diseases. That would spare them from needless suffering—and the nation from needless healthcare expenditures.
In the current political climate, it is difficult to see quick resolution to this not insurmountable problem. However, amending Obamacare—as was always anticipated by the administration—could resolve the issues.
For millions of Americans, good insurance is a prerequisite for good health. No wonder people are so concerned about their worsening coverage.

Larry Hausner is chief patient advocate of the Partnership to Fight Chronic Disease.

Comments are closed.

Come say hi!

@ht.1885
  • Jake Blazon at bat for the Meeker Cowboys. The MHS team brought home two wins against Olathe and lost two against the North Fork Miners. The location for this weekend’s games has not been announced due to weather and field conditions. Read the full story online at ht1885.com.
  • The 2024 Meeker High School boys basketball team held their awards banquet last week. Jace Mobley was named Player of the Western Slope League and all-conference, Ryan Sullivan all-conference, Jonathon Fitzgibbons all-conference, Ethan Quinn honorable mention all-conference, Jacob Simonsen honorable mention all conference. Mobley will play in All State games. Coach Klark Kindler was named Western Slope Coach of the Year. Left to right: Bryan Rosas, Simonsen, Quinn, Fitzgibbons, Mobley and Sullivan.
  • It's that time again! Another edition of great local news stories is 
🐰 Hopping 🐰 your way this morning! Catch up on everything thats 🐣 hatching 🐣 in Rio Blanco County this week.
Need a copy? Signing up is fast and easy! Visit our website at ht1885.com/subscribe to get a copy sent to your door every week! 
We appreciate all your continued support!
  • It’s getting late, do you know where your kids are? Read all the Rio Happenings for this week in print or online at ht1885.com.
  • Mormon crickets have hatched near Rangely. They were all sighted on BLM land north of Hwy. 64 near the junction of CR 96 and CR 1, down a dirt road near the Moffat County line.  The picture shown was taken yesterday by Mary Meinen from Rangely. She says the crickets are about the size of a ladybug (less than 1/2”). Some of them are actually yellow in color but most of them are darker. They are milling around and getting ready to start moving soon. Note: Photo is not to scale.
Rio Blanco County and the White River and Douglas Creek Conservation Districts are still asking for your help to identify additional hatch-outs of crickets so that control efforts can be put in place. The success of the program will highly depend upon local landowners and the public helping to locate crickets as soon as they hatch.  See last week’s paper for a list of ways to help or contact the County Weed & Pest District at 970-878-9670 or the Conservation District office at 970-878-9838 with any questions. Website: www.WhiteRiverCD.com
  • Read part three of the story of M.T. Streeter in this week’s edition of History Lessons! Find it in this week’s edition and online at ht1885.com.
  • Meeker FFA Chapter members competed at the District Leadership Development Event in Craig, Colorado, this month. Top row from left to right: Eva Scritchfield, Charlie Rogers, Alan Rivera, Trent Sanders, Koy Weber, Orion Musser, Said Rodriguez, Carlos Carrillo, Aidan Tapia, Hayden Garcia, Tristan Rollins, Mathew Willey, Quentin Simpson. Middle row: Sidney Keetch, Aurora Stallings, Sydnie Ross, Ava Nay, Lili Piper, Leah Wood. Bottom Row: Jaicee Simmons, Kailynn Watson, Cody Richardson, Kayla Castillo, Braydin Raley, Autumn Stallings, Aimee Shults, Emily Hamm. Read the full story online at ht1885.com.
  • Choose-your-own-adventure…. Hear from our Editor in this week’s edition and online at ht1885.com.
  • A crew from the Flat Tops Chapter of the Rocky Mountain Elk Foundation joined forces last summer to remove obsolete fences to improve habitat for wildlife. Read the full story and the foundation’s update from their 30th Anniversary meeting in this week’s edition and online at ht1885.com.
Jake Blazon at bat for the Meeker Cowboys. The MHS team brought home two wins against Olathe and lost two against the North Fork Miners. The location for this weekend’s games has not been announced due to weather and field conditions. Read the full story online at ht1885.com.
Jake Blazon at bat for the Meeker Cowboys. The MHS team brought home two wins against Olathe and lost two against the North Fork Miners. The location for this weekend’s games has not been announced due to weather and field conditions. Read the full story online at ht1885.com.
12 hours ago
View on Instagram |
1/9
The 2024 Meeker High School boys basketball team held their awards banquet last week. Jace Mobley was named Player of the Western Slope League and all-conference, Ryan Sullivan all-conference, Jonathon Fitzgibbons all-conference, Ethan Quinn honorable mention all-conference, Jacob Simonsen honorable mention all conference. Mobley will play in All State games. Coach Klark Kindler was named Western Slope Coach of the Year. Left to right: Bryan Rosas, Simonsen, Quinn, Fitzgibbons, Mobley and Sullivan.
The 2024 Meeker High School boys basketball team held their awards banquet last week. Jace Mobley was named Player of the Western Slope League and all-conference, Ryan Sullivan all-conference, Jonathon Fitzgibbons all-conference, Ethan Quinn honorable mention all-conference, Jacob Simonsen honorable mention all conference. Mobley will play in All State games. Coach Klark Kindler was named Western Slope Coach of the Year. Left to right: Bryan Rosas, Simonsen, Quinn, Fitzgibbons, Mobley and Sullivan.
13 hours ago
View on Instagram |
2/9
It's that time again! Another edition of great local news stories is 
🐰 Hopping 🐰 your way this morning! Catch up on everything thats 🐣 hatching 🐣 in Rio Blanco County this week.
Need a copy? Signing up is fast and easy! Visit our website at ht1885.com/subscribe to get a copy sent to your door every week! 
We appreciate all your continued support!
It's that time again! Another edition of great local news stories is 🐰 Hopping 🐰 your way this morning! Catch up on everything thats 🐣 hatching 🐣 in Rio Blanco County this week. Need a copy? Signing up is fast and easy! Visit our website at ht1885.com/subscribe to get a copy sent to your door every week! We appreciate all your continued support!
19 hours ago
View on Instagram |
3/9
It’s getting late, do you know where your kids are? Read all the Rio Happenings for this week in print or online at ht1885.com.
It’s getting late, do you know where your kids are? Read all the Rio Happenings for this week in print or online at ht1885.com.
2 days ago
View on Instagram |
4/9
Mormon crickets have hatched near Rangely. They were all sighted on BLM land north of Hwy. 64 near the junction of CR 96 and CR 1, down a dirt road near the Moffat County line.  The picture shown was taken yesterday by Mary Meinen from Rangely. She says the crickets are about the size of a ladybug (less than 1/2”). Some of them are actually yellow in color but most of them are darker. They are milling around and getting ready to start moving soon. Note: Photo is not to scale.
Rio Blanco County and the White River and Douglas Creek Conservation Districts are still asking for your help to identify additional hatch-outs of crickets so that control efforts can be put in place. The success of the program will highly depend upon local landowners and the public helping to locate crickets as soon as they hatch.  See last week’s paper for a list of ways to help or contact the County Weed & Pest District at 970-878-9670 or the Conservation District office at 970-878-9838 with any questions. Website: www.WhiteRiverCD.com
Mormon crickets have hatched near Rangely. They were all sighted on BLM land north of Hwy. 64 near the junction of CR 96 and CR 1, down a dirt road near the Moffat County line. The picture shown was taken yesterday by Mary Meinen from Rangely. She says the crickets are about the size of a ladybug (less than 1/2”). Some of them are actually yellow in color but most of them are darker. They are milling around and getting ready to start moving soon. Note: Photo is not to scale. Rio Blanco County and the White River and Douglas Creek Conservation Districts are still asking for your help to identify additional hatch-outs of crickets so that control efforts can be put in place. The success of the program will highly depend upon local landowners and the public helping to locate crickets as soon as they hatch. See last week’s paper for a list of ways to help or contact the County Weed & Pest District at 970-878-9670 or the Conservation District office at 970-878-9838 with any questions. Website: www.WhiteRiverCD.com
3 days ago
View on Instagram |
5/9
Read part three of the story of M.T. Streeter in this week’s edition of History Lessons! Find it in this week’s edition and online at ht1885.com.
Read part three of the story of M.T. Streeter in this week’s edition of History Lessons! Find it in this week’s edition and online at ht1885.com.
3 days ago
View on Instagram |
6/9
Meeker FFA Chapter members competed at the District Leadership Development Event in Craig, Colorado, this month. Top row from left to right: Eva Scritchfield, Charlie Rogers, Alan Rivera, Trent Sanders, Koy Weber, Orion Musser, Said Rodriguez, Carlos Carrillo, Aidan Tapia, Hayden Garcia, Tristan Rollins, Mathew Willey, Quentin Simpson. Middle row: Sidney Keetch, Aurora Stallings, Sydnie Ross, Ava Nay, Lili Piper, Leah Wood. Bottom Row: Jaicee Simmons, Kailynn Watson, Cody Richardson, Kayla Castillo, Braydin Raley, Autumn Stallings, Aimee Shults, Emily Hamm. Read the full story online at ht1885.com.
Meeker FFA Chapter members competed at the District Leadership Development Event in Craig, Colorado, this month. Top row from left to right: Eva Scritchfield, Charlie Rogers, Alan Rivera, Trent Sanders, Koy Weber, Orion Musser, Said Rodriguez, Carlos Carrillo, Aidan Tapia, Hayden Garcia, Tristan Rollins, Mathew Willey, Quentin Simpson. Middle row: Sidney Keetch, Aurora Stallings, Sydnie Ross, Ava Nay, Lili Piper, Leah Wood. Bottom Row: Jaicee Simmons, Kailynn Watson, Cody Richardson, Kayla Castillo, Braydin Raley, Autumn Stallings, Aimee Shults, Emily Hamm. Read the full story online at ht1885.com.
4 days ago
View on Instagram |
7/9
Choose-your-own-adventure…. Hear from our Editor in this week’s edition and online at ht1885.com.
Choose-your-own-adventure…. Hear from our Editor in this week’s edition and online at ht1885.com.
5 days ago
View on Instagram |
8/9
A crew from the Flat Tops Chapter of the Rocky Mountain Elk Foundation joined forces last summer to remove obsolete fences to improve habitat for wildlife. Read the full story and the foundation’s update from their 30th Anniversary meeting in this week’s edition and online at ht1885.com.
A crew from the Flat Tops Chapter of the Rocky Mountain Elk Foundation joined forces last summer to remove obsolete fences to improve habitat for wildlife. Read the full story and the foundation’s update from their 30th Anniversary meeting in this week’s edition and online at ht1885.com.
5 days ago
View on Instagram |
9/9

Thank you, advertisers!