President and CEO
Do you think more companies will go to HSA plans?
John Gause: “Yes. We do believe, as cost pressure continues to build, more companies will give up grandfather status and move to HSA plans. I think that they’re proven to engage employees in the consumerism model. And, really, we just think the price pressures will do that. Plus, [with] the excise tax really coming into play in 2018, continued pressures will be on cost.”
If we are being asked to pay healthcare for all, why can’t there be some responsibility imposed on people (e.g. no smoking, no obesity)?
John Gause: “People make lifestyle decisions that ultimately will cost more money. Therefore, the people who are actually paying the freight for that end up having to pay more.
"No one knows who’s necessarily going to be a high-cost claimant. If employers can charge higher costs for smokers and, to some extent relative to wellness, provide either higher cost or lower cost for people who are healthier. But, at the end of the day, that’s really the only way to respond.”