Family Health Care

May 12, 2011 by staff 

Family Health CareFamily Health Care, Health care costs for a family of four rose again in 2011, with employees paying a much greater share of rising costs, according to a new industry report Wednesday. American families who are insured through their jobs, average health care costs and 19,393 this year, 7.3%, or 1,319 and last year, according to independent actuarial consulting firm Milliman care Inc.

More significantly, employers are making employees shoulder an even larger share of total health care costs. Have 1319 and annual increase, the costs of workers out of pocket this year increased by 9.2%. That was more than the 6.6% increase last year.

Payroll deductions for insurance coverage increased by 9.3% this year, also more than the previous year.

However, the share of workers in employer health costs fell 6% in 2010 compared to 8% a year earlier.

Of the 19,393 and the total annual cost, the share of workers is closer to 50%, said Lorraine Mayne, principal and consulting actuary with Milliman.

“Employees are paying and 8000 and 19,000. That’s a good deal more than other areas of consumer spending,” said Mayne.

“What we’ve seen in recent years is more and more employers have been offering health plans with higher deductibles and co-insurance, co-payment limits,” he said.

Milliman, Inc., a world-class consulting and actuarial firm, announced today the results of the 2011 Milliman Medical Index, which measures the total cost of health care for a family of four subjects to a preferred provider organization (PPO). The cost is 2011 MMI and 19,393, an increase of 7.3% in 2010, which is the lowest annual growth rate in more than a decade. However, although the rate of increase is the lowest in recent times, the increase in total dollars, and 1,319 in 2011-is the highest in the history of this study.

“In 2002, American families have health care costs and 9235, and costs have doubled in less than nine years,” said Lorraine Mayne, a Milliman principal and consulting actuary. “As costs continue to grow, even as the cost trend slows down the overall cost of care for American families is a lot bigger and bigger the family budget.”

Have 1319 and increased total costs, employers and had 641 employees, while the rest of the shoulders and 403 in payroll contributions and 275 and additional cost sharing.

“As has been the case in four of the last five years, employees pay a larger share of the increased cost of their employers,” said Scott Weltz, actuarial consultancy Milliman. “That said, in absolute dollars, both employers and employees have taken approximately the same amount of additional costs since 2006, with the absorption of 3,023 employers and workers and which absorbs and 2988.”

Besides looking at a cost on a national basis, the Milliman Medical Index alsoanlyzes 14 geographic areas.

“This year, six of the fourteen cities studied, and exceeded 20,000 in total costs for a typical family of four,” said director of actuarial consultancy Milliman and Chris Girod. “But we still have several cities, Phoenix, Atlanta and Seattle, with less than 19,000 and total costs for the typical family. These differences result in the cost of the variation in local practice patterns and the different costs goods and services. ”

This year, the Milliman Medical Index also helps to put the changes in the context of health reform, includinganlysis of how various health care reform is (or not) contribute to the underlying costs of care. The report also examines how changes in health care reform may affect the typical family of four in thisanlysis.

To view the complete Milliman Medical Index, go to

About Milliman

Milliman is one of the world’s largest independent actuarial and business consultancies. Founded in Seattle in 1947 as Milliman & Robertson, the company currently has 54 offices worldwide in key locations. Milliman employs more than 2,500 people. The firm has consulting practices in healthcare, social benefits, property & accident insurance, life insurance and financial services. Milliman serves the full spectrum of business, financial, government, labor, and educational and nonprofit organizations. For more information, visit

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