Source(google.com.pk)
Family Health Insurance Information
Today, we've extracted the average annual health insurance premimum data for single coverage and family coverage for all plans, which we've used to create a simple straight line projection of future costs over time. We've presented that information graphically, showing the survey's data from 2000 through 2009 while projecting where those costs will be in 2010 based on the trend that appears to have existed throughout those years.
Using that established trend, we would project that the average health insurance premium for single coverage would be $5,265 in 2010, while the average health insurance premium for family coverage would be $14,452.
But it's not quite as simple as that! In looking closer at the trend lines with respect to the actual data, we find that there's a bit of a sine wave type deviation from that otherwise straight line trend. A deviation that would seem to directly pace the relative strength of the U.S. economy, falling below the linear trend line in years of recession and rising above it in years of strong economic performance.
Which is exactly what we should expect! Assuming that the recession that began when the economy last peaked in December 2007 is still influencing the rate of growth of health insurance, we should expect that those premiums for 2010 will fall below the level our first-cut projections would indicate.
They also shouldn't deviate far from the overall trend. So what we'll do is to simply take the average annual dollar increase for each kind of plan (which is given as the slope in the equations presented in our chart above) and add those values to the respective premium values for 2009.
Doing that, we define the lower end of the range into which we can reasonably expect average health insurance premiums to fall in 2010. We therefore would anticipate that the average premium for single coverage health insurance will fall between $5,098 and $5,265 and the average premium for family coverage will be between $14,166 and $14,452.
The weaker the economy, the closer to the low end of that projection. Likewise, the stronger the economy, the closer to the high end of that projection.
The other neat thing about this exercise is that it provides an objective means for evaluating how effective the recently passed law reforming health care insurance in the United States is in reducing the costs of these premiums. We will be able to do that by comparing the trajectory in health insurance costs established prior to the reform against what they will be as a result of the reform.you're one of the many Hispanics who lack health insurance, you may wonder how you can obtain good medical care. Whether you're thinking of getting pregnant, are now pregnant, or already have a baby, there are ways of finding the help you need.
These two helplines sponsored by the National Alliance for Hispanic Health specialize in helping Latinas and Latino families. You can get help at no cost or by paying a small amount.
Although it may seem impersonal, do leave a message when you call. These services deal with a lot of people every day, and they can't return all the calls they receive immediately. Have patience and keep calling — it'll pay off.
National Hispanic Prenatal Line
(800) 504-7081
This service specializes in helping Hispanic women who need care during pregnancy, and it's one of the best. Staff members will answer all your questions, tell you where you can find resources in your state, and mail you printed information. You might reach the answering service when you call. Leave a message and call again if they haven't returned your call within a couple of days.
Su Familia
(866) 783-2645
Su Familia provides answers to all kinds of health-related questions concerning Hispanic families. They speak English and Spanish and may be able to help you determine how to buy health insurance in your state.
Other resources
A number of government and private organizations are devoted to helping both Hispanics and non-Hispanics who don't have medical insurance.
To find out more, see our list of where low-income families and pregnant women without insurance can go for help.
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a BabyCenter Member says
Trying to get pregnant and not succeeding can be a very hard and sad time for couples. Don't give up there are more and more new natural ways of increases the odds of conceiving: http://tryingpregnant.blogspot.com/
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06.17.2013 | 20:51
a BabyCenter Member says
humm I am hispanic, and I deal with with this situation everyyyy day! I personally dont see the ''racist'' in this information BECAUSEEEEEEEEEEEEEE IT SAYS WITHOUT INSURANCE NOT ILLEGALS!!!!!, and we need to be realistic, there are millions without insurance! this is information that really helps! I am not illegal, but some of my friends are! and this info can really help them!
you are the ones who read the hispanic word and then everybody is against wwith you! if there's no info then US doesnt help latinos, but if there is then they are racist! thank God there is help for latinos WITHOUT INSURANCE!
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10.22.2012 | 15:41
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Family Health Insurance Information
Today, we've extracted the average annual health insurance premimum data for single coverage and family coverage for all plans, which we've used to create a simple straight line projection of future costs over time. We've presented that information graphically, showing the survey's data from 2000 through 2009 while projecting where those costs will be in 2010 based on the trend that appears to have existed throughout those years.
Using that established trend, we would project that the average health insurance premium for single coverage would be $5,265 in 2010, while the average health insurance premium for family coverage would be $14,452.
But it's not quite as simple as that! In looking closer at the trend lines with respect to the actual data, we find that there's a bit of a sine wave type deviation from that otherwise straight line trend. A deviation that would seem to directly pace the relative strength of the U.S. economy, falling below the linear trend line in years of recession and rising above it in years of strong economic performance.
Which is exactly what we should expect! Assuming that the recession that began when the economy last peaked in December 2007 is still influencing the rate of growth of health insurance, we should expect that those premiums for 2010 will fall below the level our first-cut projections would indicate.
They also shouldn't deviate far from the overall trend. So what we'll do is to simply take the average annual dollar increase for each kind of plan (which is given as the slope in the equations presented in our chart above) and add those values to the respective premium values for 2009.
Doing that, we define the lower end of the range into which we can reasonably expect average health insurance premiums to fall in 2010. We therefore would anticipate that the average premium for single coverage health insurance will fall between $5,098 and $5,265 and the average premium for family coverage will be between $14,166 and $14,452.
The weaker the economy, the closer to the low end of that projection. Likewise, the stronger the economy, the closer to the high end of that projection.
The other neat thing about this exercise is that it provides an objective means for evaluating how effective the recently passed law reforming health care insurance in the United States is in reducing the costs of these premiums. We will be able to do that by comparing the trajectory in health insurance costs established prior to the reform against what they will be as a result of the reform.you're one of the many Hispanics who lack health insurance, you may wonder how you can obtain good medical care. Whether you're thinking of getting pregnant, are now pregnant, or already have a baby, there are ways of finding the help you need.
These two helplines sponsored by the National Alliance for Hispanic Health specialize in helping Latinas and Latino families. You can get help at no cost or by paying a small amount.
Although it may seem impersonal, do leave a message when you call. These services deal with a lot of people every day, and they can't return all the calls they receive immediately. Have patience and keep calling — it'll pay off.
National Hispanic Prenatal Line
(800) 504-7081
This service specializes in helping Hispanic women who need care during pregnancy, and it's one of the best. Staff members will answer all your questions, tell you where you can find resources in your state, and mail you printed information. You might reach the answering service when you call. Leave a message and call again if they haven't returned your call within a couple of days.
Su Familia
(866) 783-2645
Su Familia provides answers to all kinds of health-related questions concerning Hispanic families. They speak English and Spanish and may be able to help you determine how to buy health insurance in your state.
Other resources
A number of government and private organizations are devoted to helping both Hispanics and non-Hispanics who don't have medical insurance.
To find out more, see our list of where low-income families and pregnant women without insurance can go for help.
Comment on this article
ARTICLE
Prepare for your six-month checkup
ARTICLE
Making checkups and shots easier on your baby
ARTICLE
When to call the doctor for your baby
Member Comments Add a comment
a BabyCenter Member says
Trying to get pregnant and not succeeding can be a very hard and sad time for couples. Don't give up there are more and more new natural ways of increases the odds of conceiving: http://tryingpregnant.blogspot.com/
0 out of 0 found this comment helpful
Was this comment helpful? Yes | No
Report comment
06.17.2013 | 20:51
a BabyCenter Member says
humm I am hispanic, and I deal with with this situation everyyyy day! I personally dont see the ''racist'' in this information BECAUSEEEEEEEEEEEEEE IT SAYS WITHOUT INSURANCE NOT ILLEGALS!!!!!, and we need to be realistic, there are millions without insurance! this is information that really helps! I am not illegal, but some of my friends are! and this info can really help them!
you are the ones who read the hispanic word and then everybody is against wwith you! if there's no info then US doesnt help latinos, but if there is then they are racist! thank God there is help for latinos WITHOUT INSURANCE!
0 out of 0 found this comment helpful
Was this comment helpful? Yes | No
Report comment
10.22.2012 | 15:41
See all comments
Featured video
My biggest parenting surprise
Related videos
My top parenting challenge
Hear real parents answer the question, "What's your...
What I love most about parenthood
Hear real parents answer the question, "What do you love...
The moment I fell in love with my baby
Hear real parents answer the question "When did you know...
See all videos
Your Pregnancy, Week by Week
Subscribe to our free email newsletters that millions of parents rave about.
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