Medicare vs. Medicaid: Defining coverage options in nny

SYDNEY SCHAEFER / NNY BUSINESS
Matthew Wiley of the Jefferson County Office of the Aging.

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St. Lawrence County seeks to cut healthcare expenses as costs rise

CANTON — A special committee has been created to help St. Lawrence County government tackle the escalating cost of providing health insurance to roughly 2,535 people, including full- and part-time county employees, their families and retirees. [Read more…]

Number of uninsured New Yorkers dropped significantly in 2015

The number of New Yorkers without health insurance dropped significantly last year, according to a National Center for Health Statistics study released last week. [Read more…]

Cost, turnover obstacles for coverage

Jay Matteson

As with many small businesses, farms face tough choices when deciding on health care coverage for farm operators and employees. Agricultural is a high risk industry. A recent accident in July on a dairy farm in the Town of Rodman and a mishap on a farm last spring in the Town of Hounsfield show how quickly injuries can occur, especially given that farm workers are around large pieces of equipment and unpredictable large animals, and in environments where problems happen quickly and without advance warning.

An analysis published in Agricultural Economics in Jan. 2012 documented annual health care expenditures of self-employed farm households in the U.S. The analysis determined that farm households with no health insurance spend the least, an average of less than $4,000 per year. Farm households where the spouse or farm operator are also employed off the farm and receive health insurance through their outside employer spend slightly more, an average of about $5,000 per year. The highest expenditures tend to occur at farm households where either the farm provides the insurance coverage or insurance is obtained through a private insurance company. In these cases, average annual expenditures are $7,500 and $10,000 respectively. Although most farmers are self-employed, the share of farm operator household members who have no insurance equals that of the overall population of the U.S. —16 percent. [Read more…]