Regence & Reform

Health care reform is the law of the land and it's important that we put affordability on equal footing with coverage as we work together to change health care.

Understanding health care costs

• Regence is nonprofit

  

  There's a lot of discussion in the health care debate about "taking the profit out of health care."

  It helps to understand what profit is, where it is, and that as a non-profit health insurer, Regence serves members, not Wall Street.

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• How we set rates

  

  Imagine setting a household budget for 18 months from now.

  You'd probably do that by tracking your existing expenses, plus savings and taxes, then look ahead for new costs on the horizon.

  This is essentially how we set the coming year's premium rates.

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• What the U.S. spends on health care

  

  The national health expenditure, including medicine and dental, is expected to reach $2.5 trillion this year.

  Here is how the nation's health care dollars were spent in 2008, the most recent year available, based on data from the Federal Government.

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• Why health care costs more

  

  Health care costs in the United States have risen from $1,100 per person per year in 1980 to nearly $7,900 today.

  Medical advances during that time have delivered value, but not commensurate with the rising costs that are too expensive for many of us.

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