Begi asked:

Let’s face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums.

The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control.

How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?

Confused asked:

I currently am receiving quotes for medical insurance and I have this one policy quote that does not list a deductible, but it does list this Major Medical Deductible for $3500.00 & total out of pocket $6000.00? What does this mean? Is this for Emergency care only?

Grisham asked:

I believe that they don’t have the right to know anything about your medical issues, like if you have HIV or HEP C. But, what if your doctor appointments interfere with your work schedule? Like once every couple of weeks, at that point must you disclose? Or do you have the right to maintain its for a medical condition and keep it confidential? Do they have the right to demand to know unless you’re fired?