The insurance company is always the bad guy.
Human resources pros like to trash-talk the company's insurance plan when they tell employees the doctor network shrank, the deductible rose or certain procedures aren't covered.
But more than half of all workers with health coverage are enrolled in "self-insured" plans where the employer pays medical bills directly. The insurance company only processes claims.
If your company has at least 500 workers it is probably self-insured
In such plans the employer is the insurance company. And it's the employer calling the shots.
Clarification: This article was updated to clarify that not all of the 8 million people signing up for new health coverage received subsidies.
Kaiser Health News (KHN) is a national health policy news service. It is an editorially independent program of the Henry J. Kaiser Family Foundation.
Thu, Apr 24 2014