Even with health care reform, it may take awhile to see savings : sarah tribble

Will health reform lower my insurance costs? No. Even the best-case analysis of the House bill "HR 3200, predicts that the next ten years contributions will continue to escalate to levels that are difficult for the average middle class American household has pay.The watched the amount they spend health care rise faster than the amount, health care , they earn each year for years, according to the nonpartisan Commonwealth Fund.Spending, health care , on health care in the United States has grown faster than the economy for many years, says, health care , the Congressional Budget Office.The average annual premium for a family policy in 2008 was $ 12,680, these costs are distributed by the employer and employee, according to the nonpartisan Kaiser Family Foundation. While health insurance premiums are largely covered by employers, if costs rise, companies have a larger share of the burden employees.A Commonwealth Fund study released today predicts that the reform of the health insurance premiums for the average American family -- Again these costs are shared between the employee and employer - would be $ 20,083 per year in 2010. Without reform, the study, health care ,, health care , says premiums were $ 3759 to $, health care , 23,842 annually.The study showed that increase Ohioans better rate than the national average. Ohio ranks 40th among, health care , the countries with the lowest health insurance costs.Thus, the average family in Ohio see premiums increase to $ 18,657 annually under the proposed reforms, a $ 3492 savings over, health care ,, health care , the price and the health not been overhauled, according to the study. "It brings it home," said Karen Davis, president of the Commonwealth Fund. "There is a focus on the cost to the federal budget or the cost of the Medicare program but not really about how we solve this problem for working families. "So when President Barack Obama and others, health care , say they plan to lower health care costs, what they are really saying is that their proposals will cost less, health care , than it would without reform.The poor and lower middle, health care , class will probably save, health care , money . If passed, the House bill would immediately increase the number of low-income families eligible for the federal Medicaid program, which provides coverage for the poor. The bill also provides a number of grants to more affordable insurance coverage for many who are not . For the rest of the population, it is less clear how the House bill would directly lower insurance premiums.The White House a report in June describing how health care overhaul will cut costs by eliminating, health care , inefficiencies, such as spending many low-quality care, not giving patients the right kind of care, high overhead costs and medical errors that could lead to worse outcomes.Joseph Antos, health policy expert at the nonpartisan American Enterprise Institute, said all these ideas are great, but it can only take time to see any savings from them. "Not for at least the next 10 years," he said.