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[14] [15] Due to rising hospitalizations from the effects of climate change on human health (like heat stress and cardiorespiratory fitness impacts from wildfire smoke), [16] [17] [18] health insurance companies in the United States are beginning to develop models for their policies related to climate risk.
For large firms with 200 or more workers, in 2000, 99% of employers offered health benefits; in 2007, that number stayed the same. On average, considering firms of all numbers of employees, in 2000, 69% offered health insurance, and that number has fallen nearly every year since, to 2007, when 60% of employers offered health insurance. [52]
Costs for employer-paid health insurance are rising rapidly: between 2001 and 2007, premiums for family coverage have increased 78%, while wages have risen 19% and inflation has risen 17%, according to a 2007 study by the Kaiser Family Foundation. [74] Employer costs have risen noticeably per hour worked, and vary significantly.
The consequences of climate change are making homeowners insurance either unaffordable or unavailable for millions of Americans. Climate change tests the insurance industry and could lead to the ...
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Following the Stabilization Act of 1942, employers, unable to provide higher salaries to attract or retain employees, began to offer insurance plans, including healthcare packages, as a benefit in kind, thereby beginning the practice of employer-sponsored health insurance, a practice that is cemented into the work culture of today. [27]
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