Greater St. Louis has comparatively low health insurance costs, especially when compared with other large metropolitan areas. The St. Louis, MO-IL MSA ranked as having the least expensive premiums for single coverage out of the 20 largest metropolitan areas in the U.S. in 2009 and the 6th least in single coverage contributions. The St. Louis, MO-IL MSA ranked 4th least expensive employee-plus-one premiums and as the 5th least expensive total premiums for family coverage. Data on average employee contributions and total premiums for private-sector establishments were collected by the U.S. Agency for Healthcare Research and Quality.(3)
This data documents businesses’ relatively low costs to provide health care insurance coverage to employees in Greater St. Louis. The St. Louis, MO-IL MSA had the 6th highest percent of establishments offering employee health insurance (61.2%) and the highest percentage of employees enrolling in the health insurance offered by their establishment (67.8%) out of the 20 largest metropolitan areas in the U.S. in 2009.(4)
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1. Prohibit pre-existing condition exclusions for children in all new plans;
2. Temporary high-risk pool for Americans with pre-existing conditions;
3. Insurance companies no longer able to drop sick people;
4. Lower seniors prescription prices by beginning to close the donut hole;
5. Tax credits to small businesses covering employees;
6. Elimination of lifetime and annual benefit limits;
7. Children can stay on parents' coverage until age 26;
8. New plans must cover preventive and immunizations;
9. Consumers will have processes to appeal insurance plan decisions;
10. Rebates to enrollees from insurers with high administrative expenditures and public disclosure of the percent of premiums applied
to overhead costs.