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Infographic: The Traditional Approach to Health Insurance is Backwards

Aug 12, 2021

In the United States, even employees with employer-sponsored health insurance struggle to access or pay for basic primary care. The upfront costs of healthcare make annual and preventative healthcare cost-prohibitive for financially vulnerable employees.It has also been determined that adults who regularly visit a primary care physician (PCP) “experience lower mortality and incur reduced healthcare costs,” Scientifica reports. Primary care is critical for employees, their families, and even employers as a result. Access our latest infographic here for a visual understanding of the shortcomings of today's employer-sponsored health insurance, and why the traditional approach to health insurance is backwards.

In a study published in AJMC, patients without cost-sharing for primary care visits “experienced a $12.0 per member per month relative reduction in overall spending... driven by reductions in expenditures for emergency department (ED) visits and other outpatient services, which aligned with reduced utilization of ED visits and other outpatient services.”

Nonstop Administration and Insurance Services’ first-dollar coverage approach to health plan design can reduce or eliminate employer health care costs while also reducing upfront medical expenses for employees and their families so they can afford cost-savings and life-saving primary and preventative care.

In 2019 and 2020, Nonstop’s solution saved:

  • organizations more than $40 million dollars in health insurance premiums
  • employees more than $12 million dollars in out-of-pocket expenses*
Click Here to Access the Infographic

*This data is a baseline representation of the Nonstop Health premiums compared to a mid-level traditional fully-funded health plan and is calculated as part of the Nonstop Health renewal process. Estimated savings based on employee and dependent consumption patterns.

The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. This communication does not constitute a legal opinion and should not be relied upon for any purpose other than its intended educational purpose.

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