As healthcare reforms take affect and more people are looking for new health insurance plans, these facts about health insurance may put things in perspective.

1. 8 FACTS ABOUT REFORMED
HEALTH INSURANCE

2.  The total U.S. health care spending is expected to
increase to $4.8 trillion in 2021, which is almost
double the cost in 2010.
 Health care will account for nearly 20 percent
(1/5) of the U.S. economy.
1. GROWING HEALTH CARE SPENDING

3.  Due to reformed health insurance plans, older
people will generally pay less for their plans and
younger people will pay more for their plans than in
previous years.
 However, older people may still pay up to 300
percent more for health insurance than a younger
person.
2. AGE MAKES A DIFFERENCE

4.  Now that everyone is required to be offered the same
premium prices regardless of health, everyone pays the
“average” of health costs for a population to cover those
who are sick who are paying the same amount.
 Everyone pays the same amount no matter how much of
their coverage they use.
3. RELYING ON POPULATION HEALTH

5.  The Affordable Care Act (ACA) requires large employers to provide
health coverage for their employees or pay a fine.
 If your employer does not offer insurance, you can purchase
standardized policies on the health insurance exchange.
4. GETTING HEALTH INSURANCE

6.  Health insurance policies are now based on:
 1. age
 2. number of people covered by the policy (people in the family)
 3. rating area (the health of the population area, which will change
based on where you live)
 4. tobacco use (depending on the state)
5. PRICING FACTORS

7.  In 2012, $2.6 trillion was pent on health
care in the U.S.
 30.74 percent was spent in hospitals,
20.04 percent on physicians, 10.01
percent on prescription drugs, 5.44
percent on continued care and nursing,
and 3.75 percent on private health
insurance administration costs. The
rest was spent on 10 other categories
all under 3 percent each.
6. HEALTH CARE SPENDING

8.  Compared to other countries, the U.S. spends 60
percent more on health care costs in hospitals.
 Specialists and dentists make almost 250
percent more than in other Organization of
Economic Cooperation and Development
(OECD) countries.
7. U.S. COMPARED

9.  EMI Health offers individual health insurance
plans to residents in Arizona and Utah.
8. WHERE TO GET INSURANCE PLANS

10.  To learn more and find out if you qualify for one of their plans, check
out the sites or contact EMI Health.
 http://emihealth.com/emi/members/resources/resources-individual-dental-
insurance
 http://www.emihealth.com/emi/members/resources/resources-individual-
dental
 http://emihealth.com/emi/products/utah-products/ut-dental-plans.aspx
 http://emihealth.com/emi/products/arizona-products/az-dental-plans.
aspx
EMI HEALTH