This special flyer distributed at the Health Care Day of Action event at the state Capitol summarizes issues Colorado residents and employers face in paying the growing costs of health care coverage. It also lists the sponsors of the event and has a cartoon depicting the health care coverage crisis.
Employment dynamics have a direct effect on health insurance coverage because most people obtain their health insurance through their workplace. In 2002-04, about three-fourths (441,000 people) of working-age Coloradans (age 18-64) who were uninsured reported working at some point during the previous calendar year.
We need to find ways to bring down the cost of coverage between jobs so that more middle class families can afford to continue coverage when they leave a job. One approach may be to make Colorado???s health care tax credit permanent and refundable, so workers can recover some of the costs of retaining health coverage between jobs.
We should continue to require insurance companies to offer small employers and individuals low-cost health insurance policies that provide basic services and protect families from excessive medical expenses.
We should establish a system for small employer risk pool purchasing. The idea is to allow small businesses to join together, pool risk and leverage purchasing power like larger businesses are able to do. This is a form of community rating that will spread costs, moderate premiums and expand coverage to more Colorado families.