five years ago, when Daniels was elected governor Indiana, he added a health insurance option for consumers the choice of health insurance plans all state employees. These consumer-directed plans have higher deductibles, but allowed policyholders to open a free Health Savings Account to save money on health care costs.
The money in health savings accounts expires and becomes the property of the employees once deposited. Currently, there is approximately $ 30 million or $ 2,000 per employee in unused funds in Indiana HSA accounts.
Governor Daniels argued that the plans compatible with health savings accounts would help make government employees more cost-conscious and attention to the exploitation of their health plan.
And it seems he was right.
The new health insurance plans focused on the consumer were a great state employees Indiana amount of success - with over 70 percent of government workers to opt for the plan.
The state of Indiana will save about $ 20 million in 2010 and to reduce the costs of the state by 11 percent due to the large number of HSA enrollment. This is even when the state covers the premium and contributes $ 2,750 in each HSA.
Astounding.
According to the report, the state employees with HSA are more likely to choose generic drugs instead of more expensive brand names and visited emergency rooms and doctors 67 percent of unless employees regularly with health care options.
Furthermore, HSA plans are often rejected by the unions and the government only two percent of the public sector use HSA across the country because of their meager benefits, reported Wall Street Journal .
Yet experience savings account health Mitch Daniel Indiana appears to be successful, making a strong case that HSA can really be a cost saver.
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