Analyze obligations of the employer and the government in insuring the two populations of individuals described in the scenario

Canadian healthcare system with a fact sheet brochure.
March 29, 2019
How the issue potentially impacts your ability to live a healthful lifestyle.
March 29, 2019

Analyze obligations of the employer and the government in insuring the two populations of individuals described in the scenario

Health insurance is designed to protect patients from the risk of expensive medical services. The cost of insurance, however, is steadily rising. When costs are too high, healthier individuals tend to not purchase insurance coverage, resulting in a lower percentage of healthy individuals to pool with those who have health issues. This poses a challenge for employers and the government, as they are tasked with designing viable policies that balance cost and generosity of benefits. For this Discussion, examine the following scenario and consider the type of insurance policy the employer should design and provide for employees.

Scenario:
You are the employee benefits manager for a mid-sized construction company with 50 employees. You are responsible for working with insurance companies to design a health insurance policy to meet your company’s needs. An analysis of the health risks of your company’s employees indicated that there are two populations of typical individuals: 20­- to 30-year-old workers with no known health issues and 40- to 50-year-old workers with chronic diabetes. Assume that 40% of the employees fall into the second category of workers with chronic diabetes.

To prepare for this Discussion:

  • Analyze the provided scenario. What is the obligation of the employer and the government in insuring these two populations of individuals? How do moral hazard and adverse selection impact these insurance provisions?
  • Consider the type of insurance policy the employer should design and provide for its employees. Be sure to consider type and generosity of coverage, premiums, deductibles, and cost-sharing.

Post a cohesive response to the following:

Analyze obligations of the employer and the government in insuring the two populations of individuals described in the scenario. Evaluate the impact of moral hazard and adverse selection on these insurance provisions. Then, recommend the type of health insurance policy the employer should design and provide for its employees. Defend your recommendations.

EXCELLENTGOODFAIRPOOR
Discussion Posting ContentPoints:Points Range: 22 (55%) – 24 (60%)Discussion posting demonstrates an excellentunderstanding of all of the concepts and key points presented in the text(s) and Learning Resources. Posting provides significant detail including multiple relevant examples, evidence from the readings and other scholarly sources, and discerning ideas.Feedback:Points:Points Range: 19 (47.5%) – 21 (52.5%)Discussion posting demonstrates a goodunderstanding of most of the concepts and key points presented in the text(s) and Learning Resources. Posting provides moderate detail (including at least one pertinent example), evidence from the readings and other scholarly sources, and discerning ideas.Feedback:Points:Points Range: 17 (42.5%) – 18 (45%)Discussion posting demonstrates a fairunderstanding of the concepts and key points as presented in the text(s) and Learning Resources. Posting may be lacking or incorrect in some area, or in detail and specificity, and/or may not include sufficient pertinent examples or provide sufficient evidence from the readings.Feedback:Points:Points Range: 0 (0%) – 16 (40%)Discussion posting demonstrates poor or no understanding of the concepts and key points of the text(s) and Learning Resources. Posting is incorrect and/or shallow and/or does not include any pertinent examples or provide sufficient evidence from the readings.Feedback:
Peer Feedback and InteractionPoints:Points Range: 8 (20%) – 8 (20%)The feedback postings and responses to questions are excellent and fully contribute to the quality of interaction by offering constructive critique, suggestions, in-depth questions, additional resources, and stimulating thoughts and/or probes.Feedback:Points:Points Range: 7 (17.5%) – 7 (17.5%)The feedback postings and responses to questions are good but may not fully contribute to the quality of interaction by offering constructive critique, suggestions, in-depth questions, additional resources, and stimulating thoughts and/or probes.Feedback:Points:Points Range: 6 (15%) – 6 (15%)The feedback postings and responses to questions only partially contribute to the quality of interaction by offering insufficient constructive critique or suggestions, shallow questions, or poor quality additional resources.Feedback:Points:Points Range: 0 (0%) – 5 (12.5%)Student does not interact with peers (0 points), orthe feedback postings and responses to questions do not contribute to the quality of interaction by offering any constructive critique, suggestions, questions, or additional resources.Feedback:
WritingPoints:Points Range: 8 (20%) – 8 (20%)Postings are wellorganized, use scholarly tone, contain original writing and proper paraphrasing, follow APA style, contain very few or no writing and/or spelling errors, and are fullyconsistent with graduate-level writing style.Feedback:Points:Points Range: 7 (17.5%) – 7 (17.5%)Postings are mostlyconsistent with graduate-level writing style. Postings may have some small organization, scholarly tone, writing, or APA style issues, and/or may contain a few writing and spelling errors.Feedback:Points:Points Range: 6 (15%) – 6 (15%)Postings are somewhat below graduate-level writing style. Postings may be lacking in organization, scholarly tone, APA style, and/or contain many writing and/or spelling errors, or show moderate reliance on quoting vs. original writing and paraphrasing.Feedback:Points:Points Range: 0 (0%) – 5 (12.5%)Postings are well belowgraduate-level writing style expectations for organization, scholarly tone, APA style, and writing, or show heavy relianc
 

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