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...absence of significant reform, we will continue to see an erosion of the employer-based system. Smaller employers are dropping coverage altogether. The ones who are able to offer coverage are under greater and greater pressure. [In] the large-employer market, I see continued cost-shifting," says Tom Billett, a senior consultant for Watson Wyatt, a firm that advises companies (including TIME's parent company, Time Warner) on health-plan design...

Author: /time Magazine | Title: Employer-Based Insurance: Paying More, Getting Less | 10/26/2009 | See Source »

...Congressional-reform proposals would do little to change the current system. While some form of "employer mandate" would require employers to provide coverage or pay penalties, most large employers already offer benefits and many small businesses that can't afford them would be exempted from the requirement. Of the reform proposals that could have some long-term effect on the employer-based system, the most significant may be one that would levy a 40% excise tax on policies that cost more than $8,000 for individuals and $21,000 for family coverage in 2013. (The average total cost of individual...

Author: /time Magazine | Title: Employer-Based Insurance: Paying More, Getting Less | 10/26/2009 | See Source »

...easy to understand why Obama is promising to preserve the employer-based system even in the face of higher costs and fewer benefits. It could be political suicide to tell the millions of Americans who get insurance through their jobs the painful truth: under the reform proposals, even if you don't like what you have, you might still have to keep...

Author: /time Magazine | Title: Employer-Based Insurance: Paying More, Getting Less | 10/26/2009 | See Source »

...Philippines' overstretched and underfunded public health system is poorly equipped to deal with large-scale disease outbreaks, even for diseases like leptospirosis that are seasonally common across the archipelago. Several large government hospitals were damaged in the flooding, and have struggled to cope with the influx of patients. A week after Ketsana, much of Pasig General Hospital was under water, including its laboratory. According to reports, staff initially only had dextrose to give flood victims seeking medical attention. In flood-ravaged Marikina, one of 16 cities that make up Metropolitan Manila, only four out of 21 public health facilities were...

Author: /time Magazine | Title: Manila, After the Floods, Battles 'Rat Fever' | 10/26/2009 | See Source »

...nine-hour deluge than in an average month of the country's rainy season from July to November. At the height of the storm, 80% of the capital was underwater. The rainfall was exceptional, but the severity of the flooding was intensified by the city's garbage-clogged drainage system, partly from the shanties of informal settlers living along waterways and decades of skewed urban planning...

Author: /time Magazine | Title: Manila, After the Floods, Battles 'Rat Fever' | 10/26/2009 | See Source »

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