4. Employers Health Insurance Expenses are the fastest growing cost component for employers Premiums have been rising four times faster than workers earnings since 2000 The cost of health insurance remains the number one problem for business.

5. Employee Contributions The average employee contribution has increased more than 143% since 2000 Average out-of-pocket costs rose 115% since 2000 Higher deductibles and co-pays are causing many employees to skip preventive care and prescriptions

6. The Problem – Insurance Focus has been on managed care and reducing the number of days in the hospital Limit cost by contracting with Doctors and Hospitals for Discounts Quality of care not a high priority

7. The Problem – Health Care Hospitals and Doctors forced to react because that’s where they get paid Unnecessary tests needed to protect them from lawsuits Need to absorb cost of uninsured and gov’t program underpayments

8. The Problem – Prescriptions Drug Companies spend twice as much on promotion at it does on research and development During 2004 they spent 24.4% of each sales dollar on promotion and 13.4% on research and development The US spent $235.4 billion on prescription drugs in 2004 Science News Jan. 7, 2008

9. The Problem – Employers Benefits cost 6 to 8 times more than work comp yet CFO’s don’t take the time to manage their benefit cost. 80% of HR managers do not have a finance background and primary function is administrative. HR departments don’t have the extra time or expertise to do Health Promotion.

10. The Biggest Problem… And No Implementation Information Overload!

12. from $24.95 to $12.95 per employee!For information go to: http://healthtrackcoaches.com/