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What Your Employees Don't Know About Healthcare [Infographic]

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What do your employees know about ACA guidelines and healthcare and benefits in general? This infographic shares the knowledge gaps that employees have when it comes to their healthcare plans.

Publié dans : Santé, Business
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What Your Employees Don't Know About Healthcare [Infographic]

  1. 1. 1 I N 3 E M P LOY E E S R E P O RT A N I N C R E A S E I N ST R E SS AT H O M E , W O R K O R B OT H S I N C E AC A W E N T I N TO E F F E CT 54% 44% 55% 49% 33% 39% H E A LT H I N S U RA N C E P L AYS A N I M P O RTA N T R O L E I N E M P LOY E E S ’ J O B C H O I C E A N D , U LT I M AT E LY, W O R K P L A C E S AT I S FACT I O N WHAT ASPECTS OF THEIR PLANS ARE EMPLOYEES UNCOMFORTABLE USING? E N T E R T H E A F FO R DA B L E C A R E ACT ( AC A ) , A N D E M P LOY E E S A R E CO N F US E D A N D W A RY 83 percent say healthcare affects their decision to accept a job 66 percent say healthcare benefits influence how they feel about their job 63 percent don’t understand ACA very well or at all 27 percent don’t know if their current plan is ACA compliant PLANS AREN’T THE ONLY PART OF HEALTHCARE AND ACA EMPLOYEES STRUGGLE TO UNDERSTAND EMPLOYEES HAVE SIGNIFICANT KNOWLEDGE GAPS WHEN IT COMES TO THEIR HEALTHCARE PLANS 39% In-network vs. out-of-network providers 33% Cost of monthly premium 49% What the premium covers 55% How the out-of-pocket maximum works 44% How the deductible works 54% Submitting claims SOME EMPLOYEES DON’T UNDERSTAND OPEN ENROLLMENT OR OPTIONS FOR SWITCHING COVERAGE 63 percent don’t have a complete understanding of the times they are able to switch coverage (during open enrollment or when a life-changing event occurs) ADDING MORE FRUSTRATION, MOST EMPLOYEES REPORT AN INCREASE IN COSTS BUT NO INCREASE IN QUALITY OF HEALTHCARE I N C R E A S E D : 58% D E C R E A S E D : 7% STAY E D T H E S A M E : 29% D O N ’ T K N OW: 6% BUT THE INCREASE IN COST HASN’T MEANT AN INCREASE IN QUALITY M O ST E M P LOY E E S S AY T H E I R O U T- O F - P O C K E T H E A LT H C A R E CO STS H AV E I N C R E A S E D MANY ARE UNSURE HOW ACA MAY AFFECT TAXES 3 out of 4 employees don’t understand how ACA will affect tax filings Half of employees don’t know what the penalty is (a fee) for not meeting ACA requirements HALF Q UA L I TY H A S W O RS E N E D O R R E M A I N E D T H E S A M E FO R 7 8 P E R C E N T O F E M P LOY E E S Worsened 13% Don’t know or don’t have insurance 54% Stayed the same 9% Improved 24% EMPLOYEES ARE NOT SATISFIED WITH: 7 0 P E R C E N T V I E W I N C R E A S E D H E A LT H C A R E CO STS A S A PAY CU T W H O D O T H E Y B L A M E ? of respondents blame the government 48% 16% blame their employer A L L O F T H E S E A S P E C T S O P T I O N S I N T H E N E T W O R K M O N T H LY P R E M I U M S D E D U C T I B L E A M O U N T S C O V E R AG E P E R C E N TAG E S O U T- O F- P O C K E T M A X I M U M S 25% 52% 55% 60% 64% 69% TO MINIMIZE EMPLOYEE CONFUSION, STRESS AND DISSATISFACTION, COMPANIES MUST INCREASE HEALTHCARE EDUCATION W H O D O E M P LOY E E S F E E L S H O U L D E D U C AT E T H E M A B O U T C H A N G E S ? 3 7 % T H E M S E LV E S 4 0 % H R 1 5 % T H E I R C O M PA N I E S 3 % T H E G O V E R N M E N T A LT H O U G H E M P LOY E E S A R E CO N F US E D BY T H E I R H E A LT H C A R E P LA N S A N D AC A , M A N Y H AV E CO N F I D E N C E I N T H E I R H R D E PA RT M E N T ’ S AC A CO M P E T E N C E : 4 8 P E R C E N T find their HR department competent or somewhat competent about ACA 48% Most employees, 5 8 P E R C E N T , feel that HR explains healthcare changes well or very well 58% E m p l o y e e s n e e d t o u n d e r s ta n d t h e i r i n s u ra n ce p l a n s e v e n t h o u g h i t ca n b e o v e r w h e l m i n g a n d s t re s s fu l w i t h i n c r ea s e d co s t s a n d c h a n g i n g reg u l a t i o n s f ro m y ea r to y ea r. W i t h a l i t t l e h e l p f ro m H R a l o n g w i t h p e r s o n a l r e s ea r c h , e m p l o y e e s ca n a d j u s t , u n d e rs ta n d w h y c h a n ge s a re h a p p e n i n g a n d fe e l co n f i d e n t i n t h e i r h ea l t h p l a n s ( a n d co m pa n i e s ) . What Your Employees Don’t Know About Healthcare ( A N D H O W I T ’ S H U R T I N G Y O U ) The December 2014 study collected responses via an online survey from 1,029 U.S.-based individuals who are currently employed full-time and over the age of 26. This research was generated by BambooHR. A B A M B O O H R I N F O G R A P H I C 37% 40% 15% 3%

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