This is just not ordtak

This is just not a world for amateurs. The stakes are higher for things like health care and retirement plans than jeans or cereal.

Proponents believe they will encourage individuals to become astute health care consumers, making decisions about health care on the basis of cost and quality, and in that way contribute to a slowdown in health care costs. Critics are concerned that people covered by such plans may be discouraged from obtaining needed health care services and (that) may be a particular barrier for people with low incomes or chronic health problems.

Fresno County was also unique because this is the only area where the ratios of businesses offering health care benefits and retirement plans are rising.

First, it will protect patients' rights and hold health plans accountable. Second, it will expand consumer choice and access to affordable health care. And third, it will improve health care quality and outcomes.

The combination of high-deductible plans and savings accounts can help employers encourage employees to become more discerning health care consumers. Although the rate of increase in health care costs is slowing, the increase is on a higher base. Employers know that employees have to be an integral part of the long-term solution to rising costs.

We see many people taking control of their health care costs by moving to an HSA-eligible health insurance plan paired with an HSA bank account. Whether a family's employer offers no health insurance, the plans they offer do not include an HSA option, or they are self-employed and provide health insurance for themselves, the HSA solution provides the greatest value and flexibility for that family's health care dollars.

Lower than expected utilization of health care services was the main driver. Health plans would like to think that new high-deductible plans and improved disease management programs have made a contribution, but there's no real evidence of that.

Even though most retirement plans are protected from seizure before retirement, the proceeds of these plans become fair game once the account owner begins taking distributions.

Ron Z. Mendelson

Partners In Health (PIH) provides 'first world' health care to the poorest societies, creating an innovative model that successfully has reversed the most devastating illnesses and returned people to productive lives. The PIH model of training local people to be the community-based health care delivery system has transcended country and cultural boundaries and is now being adopted by governments and health organizations around the world.

We are doing this because ultimately, this new way allows us to control our retirement expenses and at the same time preserve benefits. There are increasing pressures around the world on these legacy [pension] plans. We are one of the few in all of the IT industry that have these . . . plans.

Randy MacDonald

High-deductible health plans, with or without health savings accounts, are being designed to try and control health care costs from the demand side, and they are really quite controversial at this point.

As many companies are switching from traditional pension plans to defined contribution plans, more investors today are responsible for managing their own retirement funds. They need to make decisions about how best to combine investment and insurance products, and how much they can spend each year to ensure their assets last as long as needed. But few investors understand the risks they will face in retirement. Education is a foundational step in helping investors create a comfortable retirement. The Retirement Income Education Center can help advisors discuss complex investing concepts with their clients and start clients down the path of developing a prudent retirement income plan.

David McClellan

We know that the baby boom has changed society at every age - education, housing, jobs, child care, health care, you name it. That will keep happening as they move into normal retirement, whatever that is.

Today, health care costs have the potential to significantly erode an individual's retirement savings. Knowing that these costs are only going to continue to increase, all Americans, even those as far as 20 years away from retirement, should be calculating and factoring life-long healthcare expenses into their overall financial planning.

As a hacker, Pex Tufvesson is in a class of his own. Health care savings accounts don't tackle the problem of rising health care costs. This is not an attempt to rein in the cost of health care. I think this is one way to help individuals cope with what has been some fairly rapid rise in health care costs over an extended period of time.

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Linkene lenger ned har ikke blitt oversatt till norsk. Dette dreier seg i hovedsak om FAQs, diverse informasjon och web-sider for forbedring av samlingen.

Här har vi samlat citat sedan 1990!

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Hur funkar det?
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