Lower premiums

For those of us with employer supplied health insurance, changing insurance providers isn't really an option. I suppose we could purchase our own insurance coverage, but that would be considerably more expensive.

Again, my real answer is a combination of many of these choices. I would definitely change insurance companies if I was able to reduce my out of pocket expenses either through monthly premiums or out of pocket expenses. I would also seriously consider switching if I felt I was treated unfairly or unjustly by a representative of my current insurance company. Good customer service is very important to me. I understand that we all have bad days and sometimes it can be a struggle to sound engaged and friendly when you are not in "the mood" but it really matters to me. I strive to be treated the way that I would like to be treated and any variation in said expectations would push me to look for better options.

Right now with our family we have small group insurance with BC/BS and every year we increase the deductible, decrease the benefits and still our monthly health insurance premium is more than our house payment!!!! This is CRAZY!!!!!

BC/BS needs to convince the NC Association of Certified Public Accountant's to offer group insurance to their members.

Small businesses do not have the affordable option of paying for employee health benefits to the point that these small businesses can stay afloat and viable.

I can agree 100%. As an employer who pays for 2 families and one single employee BC/BS coverage, I think it is absolutely ridiculous that my company's premiums are $65,000 per year. Come on BC/BS, with those premiums, I find it hard to believe you're a non-profit. I can tell you this...I'm shopping for a new policy at United Health and others.

It's hard for my husband to continue providing health insurance benefits for his small business employees when the premiums keep going up every year about 10%. He has gone with a high deductible plan now ($2700/yr) with no co-pays but that's alot to pay out of pocket before any benefits are paid.