Hawaii has 20 years of experience with employer mandates and universal access. With the U.S. Congress considering the controversial issue of whether to require companies to provide health insurance for employees, Hawaii's approach to health care has some valuable lessons.
Thirty-seven million Americans have little or no access to health care either because of cost, preexisting conditions, or other underwriting decisions. In addition, more than 128 million Americans have no dental coverage.
As costs for drugs continue to rise, employers are developing successful strategies to hold down this expense. Because these strategies involve controlling drug use, employers need to take measures to limit their liability for negligence.
Point-of-service plans strike at the heart of the choice-of-provider debate. This is because they are managed care plans that allow employees to opt out of the network and choose their own providers. Employers would do well to examine the economic advantages of these plans.
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