Rising premiums for health insurance and out-of-pocket expenses have 
huge impact on Americans. In 2012, the Kaiser Family Foundation found that increased costs led to nearly half of American families reduce medical care in the previous 12 months. Of those surveyed, one-third used home remedies and over-the-counter medications instead of an office visit, another third skipped dental care in total and 28 percent deferred treatment necessary. Since prevention and early detection is always best, such decisions to waive the required services may have negative consequences healthwise and financially. The following provides details on US health spending and stressed the need to find solutions to these escalating costs.
Average health care costs
How much does the average American pay for private health insurance and out-of-pocket medical expenses? It depends. Spending on health care depends on a variety of factors, including age, race, ethnicity, and if a person suffers from a chronic disease. For example, while people over 55 years is only 25 percent of the population, they account for over 50 percent of total health care spending in the United States.
averages and trend studies are useful in considering the bigger picture. A 2015 Employer Survey on health benefits by the Kaiser Family Foundation found that family health insurance premiums employer-sponsored cost $ 17,545 per year and the average worker contributed $ 1,071 for single coverage and $ 4,955 for family coverage per year. From 2014 to 2015, the rate of health insurance premiums increased by 4 percent while workers' wages rose only 1.9 percent.
Most workers who have employer-sponsored coverage have other out-of-pocket costs. Eighty-one percent have an annual deductible for single coverage (in contrast, only 55 percent of health care plans had a franchise in 05). While the average deductible for single coverage is $ 1,318, the size of the franchise of a worker varies by company size ($ 1,836 for those in small businesses and $ 1,105 for those in large companies). From 06 to 2015, the average deductible increased from $ 303 to $ 1,077. In any case, these figures do not accurately reflect the total cost out-of-pocket because some people will not reach their deductible, and other far exceed theirs.
In addition to the contribution of the monthly premium and annual deductibles, almost 68 percent of workers must do a share of their office visits. Each social networking visit costs the worker an average of $ 24 for primary care and $ 37 for specialty care.
hospital admissions are also to be considered. Of all covered workers who met their general franchises, 65 percent co-insurance and 14 percent have a quota for admissions to hospital. Workers pay an average of $ 308 per admission to hospital copay, co-insurance and those with a pay rate of 19 percent.
Medicare costs
A report by the Urban Institute, 2012, a worker who earned the average wage in 2010 paid only $ 61,000 of lifetime contribution to the Medicare program, but receive over the lifetime health insurance benefits than it paid in the program.
in 2010, a person aged 65, who earned average salaries can expect to receive the life of the Medicare Benefit $ 180,000 if he were a single man and $ 207,000 if she were a single woman. The difference between men and women stems from the disparity in life expectancy between women live on average five years longer. Medicare covers about 80 percent of all medical expenses for that seniors are responsible for the remaining 20 percent.
expected costs of health pensioners
Depending on the age of the retiree, health status, and expected life, estimated future needs of health care vary, but are intended to amount to about $ 146,000 for a person who is 65 years old and has an expected life of 20 years. This includes all costs not paid by Medicare. If the individual lives until the age of 0, she will need $ 220,0 for the costs of health care, and if the pensioner suffers from a chronic disease such as cancer, the costs of expected health care will undoubtedly exceed $ 300,000.
Conclusion
A study in 04 found that spending life in health care per capita is $ 361 0 for women and $ 268,700 for men. In the five years between 2010 and 2015, monthly premiums increased 24 percent and deductibles increased 67 percent, while wages rose only 10 percent. These figures highlight the need for Americans to find ways to reduce health care costs. Although there is no easy solution, buying individual health insurance is a means by which individuals can take control and reduce their total costs.
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