‘Back To The Future’ With Self-Funded Employer Health Insurance?

Health care costs are now about 17.9% of GDP in the U.S. These rising costs have legislators, policymakers, and employers in a quandary—both on the public and private side of the equation.

While we see major headlines about Medicare and Medicaid policy changes to control costs, about 49% of the population is covered by employer-sponsored health plans and costs are a challenge for them as well (see Health Insurance Coverage of the Total Population). Employer-sponsored insurance costs are rising for both employers and employees. In 2018, insurance cost large employers about $10,000 per year . . .