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Of that, employees pay an average of $5,277.\u003c/p>\n\u003cp>Historically, that's not much of an increase. But it still outpaces the rate of inflation, so it takes a larger chunk of worker income and employer profits.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"There's been a gradual sea change in what insurance is for most Americans, from more comprehensive coverage to skimpier coverage,\" says Drew Altman, president of the Kaiser Family Foundation.\u003c/p>\n\u003cp>Covenant Care, a Pensacola, Fla.-based hospice and home health care nonprofit, is one organization that has made the switch. About 450 of its 600 workers now have high-deductible health plans.\u003c/p>\n\u003cp>\"At Covenant, we pay 80 percent of the costs of the plan and even at that point, there are some business decisions that need to be made regarding what we can afford to do,\" says Pat Holtman, senior manager of human resources.\u003c/p>\n\u003cp>She says the company offsets some of that deductible by putting cash into accounts that workers can use for health care costs. And if employees participate in wellness programs, they get points to pay even more.\u003c/p>\n\u003cp>That includes doing a health risk assessment at the beginning of the year. \"If they go online and do a wellness assessment, they can accrue points that way,\" Holtman says. \"If they're non-tobacco users there are a certain number of points that are accrued there.\"\u003c/p>\n\u003cp>Premiums have risen 20 percent since 2011, the Kaiser survey released Wednesday shows. They rose 31 percent in the previous five years and 63 percent in the five years before that.\u003c/p>\n\u003cp>With the continuous increases, companies like Covenant are getting creative, Altman says.\u003c/p>\n\u003cp>\"Your typical employer is using everything in the toolkit to control their premiums,\" he says. They use those wellness programs. They try to help workers manage their chronic illnesses.\u003c/p>\n\u003cp>\"But if you want to bring down the premium increase quickly in any given year, the immediate step you can take is to increase deductibles and other forms of cost sharing,\" Altman says.\u003c/p>\n\u003cp>Employers can lop about 20 percent off insurance premiums simply by raising deductibles from $200 to $1,000, says Dave Anderson, CEO of HealthNow Inc., which runs BlueCross BlueShield of Western New York.\u003c/p>\n\u003cp>Anderson says companies do think hard before they bump up deductibles because employees don't like it.\u003c/p>\n\u003cp>\"I would say no one goes there lightly,\" he says. \"Many employers have felt like they just had to go in that direction. They had to fix premium costs in some way.\"\u003c/p>\n\u003cp>BlueCross BlueShield of Western New York offers its own employees a high deductible plan. And like Covenant in Florida, it encourages its workers to participate in wellness programs to knock down their share of the cost.\u003c/p>\n\u003cp>The company will pay $500 toward a $1,000 deductible if employees undergo a health risk assessment each year. Anderson says the risk assessment will help employees embrace more healthy behavior and stick with exercise and nutrition plans.\u003c/p>\n\u003cp>\"We believe we'll have that kind of overall reduction in our health care costs,\" he says.\u003c/p>\n\u003cp>But Anderson says high deductibles raise troubling issues as well.\u003c/p>\n\u003cp>\"And that is whether it is inherently disadvantageous to lower-income employees. And we struggle with that,\" he says. \"A $1,000 deductible if you're making $100,000 is no big deal. If you're making $30,000 a year, a $1,000 deductible is a big deal.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>In the future, Anderson says, he expects employers and insurance companies will have to address that inherent unfairness by offering health plans with deductibles indexed to workers' income.\u003c/p>\n\n","blocks":[],"excerpt":"Premiums have risen 20 percent since 2011, a new Kaiser Family Foundation survey shows. ","status":"publish","parent":0,"modified":1473869550,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":25,"wordCount":675},"headData":{"title":"Employees Shouldering More Out-of-Pocket Health Costs | KQED","description":"Premiums have risen 20 percent since 2011, a new Kaiser Family Foundation survey shows. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"237123 http://ww2.kqed.org/stateofhealth/?p=237123","disqusUrl":"https://ww2.kqed.org/stateofhealth/2016/09/14/employees-shouldering-more-out-of-pocket-health-costs/","disqusTitle":"Employees Shouldering More Out-of-Pocket Health Costs","nprByline":"Alison Kodjak \u003cbr />\u003ca href=\"http://www.npr.org/sections/health-shots/\">NPR Shots\u003c/a>","path":"/stateofhealth/237123/employees-shouldering-more-out-of-pocket-health-costs","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>High deductible health plans are the new normal.\u003c/p>\n\u003cp>Just over half of employees this year have a health insurance policy with a deductible of at least $1,000, according to a survey of employers from the Kaiser Family Foundation.\u003c/p>\n\u003cp>It's the continuation of a multiyear trend of companies passing more of the costs of employee health care back onto workers.\u003c/p>\n\u003cp>Overall, health insurance premiums for a family covered by an employer health plan rose an average 3 percent this year to $18,142. Of that, employees pay an average of $5,277.\u003c/p>\n\u003cp>Historically, that's not much of an increase. But it still outpaces the rate of inflation, so it takes a larger chunk of worker income and employer profits.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"There's been a gradual sea change in what insurance is for most Americans, from more comprehensive coverage to skimpier coverage,\" says Drew Altman, president of the Kaiser Family Foundation.\u003c/p>\n\u003cp>Covenant Care, a Pensacola, Fla.-based hospice and home health care nonprofit, is one organization that has made the switch. About 450 of its 600 workers now have high-deductible health plans.\u003c/p>\n\u003cp>\"At Covenant, we pay 80 percent of the costs of the plan and even at that point, there are some business decisions that need to be made regarding what we can afford to do,\" says Pat Holtman, senior manager of human resources.\u003c/p>\n\u003cp>She says the company offsets some of that deductible by putting cash into accounts that workers can use for health care costs. And if employees participate in wellness programs, they get points to pay even more.\u003c/p>\n\u003cp>That includes doing a health risk assessment at the beginning of the year. \"If they go online and do a wellness assessment, they can accrue points that way,\" Holtman says. \"If they're non-tobacco users there are a certain number of points that are accrued there.\"\u003c/p>\n\u003cp>Premiums have risen 20 percent since 2011, the Kaiser survey released Wednesday shows. They rose 31 percent in the previous five years and 63 percent in the five years before that.\u003c/p>\n\u003cp>With the continuous increases, companies like Covenant are getting creative, Altman says.\u003c/p>\n\u003cp>\"Your typical employer is using everything in the toolkit to control their premiums,\" he says. They use those wellness programs. They try to help workers manage their chronic illnesses.\u003c/p>\n\u003cp>\"But if you want to bring down the premium increase quickly in any given year, the immediate step you can take is to increase deductibles and other forms of cost sharing,\" Altman says.\u003c/p>\n\u003cp>Employers can lop about 20 percent off insurance premiums simply by raising deductibles from $200 to $1,000, says Dave Anderson, CEO of HealthNow Inc., which runs BlueCross BlueShield of Western New York.\u003c/p>\n\u003cp>Anderson says companies do think hard before they bump up deductibles because employees don't like it.\u003c/p>\n\u003cp>\"I would say no one goes there lightly,\" he says. \"Many employers have felt like they just had to go in that direction. They had to fix premium costs in some way.\"\u003c/p>\n\u003cp>BlueCross BlueShield of Western New York offers its own employees a high deductible plan. And like Covenant in Florida, it encourages its workers to participate in wellness programs to knock down their share of the cost.\u003c/p>\n\u003cp>The company will pay $500 toward a $1,000 deductible if employees undergo a health risk assessment each year. Anderson says the risk assessment will help employees embrace more healthy behavior and stick with exercise and nutrition plans.\u003c/p>\n\u003cp>\"We believe we'll have that kind of overall reduction in our health care costs,\" he says.\u003c/p>\n\u003cp>But Anderson says high deductibles raise troubling issues as well.\u003c/p>\n\u003cp>\"And that is whether it is inherently disadvantageous to lower-income employees. And we struggle with that,\" he says. \"A $1,000 deductible if you're making $100,000 is no big deal. If you're making $30,000 a year, a $1,000 deductible is a big deal.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>In the future, Anderson says, he expects employers and insurance companies will have to address that inherent unfairness by offering health plans with deductibles indexed to workers' income.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/237123/employees-shouldering-more-out-of-pocket-health-costs","authors":["byline_stateofhealth_237123"],"categories":["stateofhealth_2442"],"tags":["stateofhealth_2910","stateofhealth_539","stateofhealth_2519","stateofhealth_2909"],"featImg":"stateofhealth_237126","label":"stateofhealth"},"stateofhealth_20549":{"type":"posts","id":"stateofhealth_20549","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"20549","score":null,"sort":[1407347638000]},"guestAuthors":[],"slug":"map-see-what-different-providers-charge-for-common-health-care-procedures","title":"Map: See What Different Providers Charge for Common Health Care Procedures","publishDate":1407347638,"format":"aside","headTitle":"Price Check | State of Health | KQED News","labelTerm":{"term":2492,"site":"stateofhealth"},"content":"\u003cp>Here's a truism: Health care costs are wildly variable and utterly confusing. That's why KQED joined forces with \u003ca href=\"http://www.scpr.org/\" target=\"_blank\">KPCC\u003c/a> and \u003ca href=\"http://clearhealthcosts.com\" target=\"_blank\">ClearHealthCosts.com\u003c/a> to \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/kqed-launches-project-to-help-make-health-costs-transparent/\" target=\"_blank\">launch PriceCheck\u003c/a>. For the last six weeks we've asked you to submit your costs for common procedures. To compare apples-to-apples, we asked how much your provider charged, how much your insurer paid and how much you paid for common procedures. And you've responded! \u003c/p>\n\u003cp>You've showed us that \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/08/01/pricecheck-how-much-for-a-back-mri-in-the-bay-area-255-or-3700/\" target=\"_blank\">back MRIs can cost\u003c/a> anywhere between $255 and $3,700 in the Bay Area. And that \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/kqed-launches-project-to-help-make-health-costs-transparent/\" target=\"_blank\">screening mammograms range\u003c/a> from $125 to $801.\u003c/p>\n\u003cp>We've also surveyed hundreds of providers for cash prices — also known as self-pay — throughout California. Now you can sort through our data below as well as \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/share-your-bill-make-health-costs-transparent-in-california/\" target=\"_blank\">search on our site\u003c/a>. Please help us build our database by \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/share-your-bill-make-health-costs-transparent-in-california/\" target=\"_blank\">submitting your health care costs\u003c/a>.\u003c/p>\n\u003cp>\u003ciframe src=\"//kqednews.cartodb.com/viz/160ba4aa-1c29-11e4-bb6c-0e10bcd91c2b/embed_map?title=false&description=false&search=false&shareable=true&cartodb_logo=true&layer_selector=false&legends=true&scrollwheel=true&fullscreen=true&sublayer_options=1&sql=&sw_lat=32.75956202565003&sw_lon=-125.22216796875&ne_lat=39.8000959563483&ne_lon=-114.45556640625\" width=\"100%\" height=\"520\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\">\u003c/iframe>\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>To see more providers in your area, zoom in on the map using the arrows or your mouse wheel. Hover over each dot to see the provider name and procedure. Click to find out how much was charged. This map will update once a day with new information.\u003c/p>\n\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1409863896,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["//kqednews.cartodb.com/viz/160ba4aa-1c29-11e4-bb6c-0e10bcd91c2b/embed_map"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":8,"wordCount":196},"headData":{"title":"Map: See What Different Providers Charge for Common Health Care Procedures | KQED","description":"Here's a truism: Health care costs are wildly variable and utterly confusing. That's why KQED joined forces with KPCC and ClearHealthCosts.com to launch PriceCheck. For the last six weeks we've asked you to submit your costs for common procedures. To compare apples-to-apples, we asked how much your provider charged, how much your insurer paid and","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"20549 http://blogs.kqed.org/stateofhealth/?p=20549","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/08/06/map-see-what-different-providers-charge-for-common-health-care-procedures/","disqusTitle":"Map: See What Different Providers Charge for Common Health Care Procedures","path":"/stateofhealth/20549/map-see-what-different-providers-charge-for-common-health-care-procedures","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Here's a truism: Health care costs are wildly variable and utterly confusing. That's why KQED joined forces with \u003ca href=\"http://www.scpr.org/\" target=\"_blank\">KPCC\u003c/a> and \u003ca href=\"http://clearhealthcosts.com\" target=\"_blank\">ClearHealthCosts.com\u003c/a> to \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/kqed-launches-project-to-help-make-health-costs-transparent/\" target=\"_blank\">launch PriceCheck\u003c/a>. For the last six weeks we've asked you to submit your costs for common procedures. To compare apples-to-apples, we asked how much your provider charged, how much your insurer paid and how much you paid for common procedures. And you've responded! \u003c/p>\n\u003cp>You've showed us that \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/08/01/pricecheck-how-much-for-a-back-mri-in-the-bay-area-255-or-3700/\" target=\"_blank\">back MRIs can cost\u003c/a> anywhere between $255 and $3,700 in the Bay Area. And that \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/kqed-launches-project-to-help-make-health-costs-transparent/\" target=\"_blank\">screening mammograms range\u003c/a> from $125 to $801.\u003c/p>\n\u003cp>We've also surveyed hundreds of providers for cash prices — also known as self-pay — throughout California. Now you can sort through our data below as well as \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/share-your-bill-make-health-costs-transparent-in-california/\" target=\"_blank\">search on our site\u003c/a>. Please help us build our database by \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/06/23/share-your-bill-make-health-costs-transparent-in-california/\" target=\"_blank\">submitting your health care costs\u003c/a>.\u003c/p>\n\u003cp>\u003ciframe src=\"//kqednews.cartodb.com/viz/160ba4aa-1c29-11e4-bb6c-0e10bcd91c2b/embed_map?title=false&description=false&search=false&shareable=true&cartodb_logo=true&layer_selector=false&legends=true&scrollwheel=true&fullscreen=true&sublayer_options=1&sql=&sw_lat=32.75956202565003&sw_lon=-125.22216796875&ne_lat=39.8000959563483&ne_lon=-114.45556640625\" width=\"100%\" height=\"520\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\">\u003c/iframe>\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>To see more providers in your area, zoom in on the map using the arrows or your mouse wheel. Hover over each dot to see the provider name and procedure. Click to find out how much was charged. This map will update once a day with new information.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/20549/map-see-what-different-providers-charge-for-common-health-care-procedures","authors":["199"],"series":["stateofhealth_2492"],"categories":["stateofhealth_14","stateofhealth_13"],"tags":["stateofhealth_482","stateofhealth_539","stateofhealth_841"],"featImg":"stateofhealth_20558","label":"stateofhealth_2492"},"stateofhealth_16498":{"type":"posts","id":"stateofhealth_16498","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"16498","score":null,"sort":[1386097518000]},"guestAuthors":[],"slug":"why-health-insurance-in-the-bay-area-costs-more-than-in-southern-california-hospital-prices","title":"Why Health Insurance in the Bay Area Costs More Than in SoCal","publishDate":1386097518,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16504\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS2629_goldengatebridge20121009-scr-e1386097321558.jpg\">\u003cimg class=\"size-large wp-image-16504\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS2629_goldengatebridge20121009-scr-640x427.jpg\" alt=\"(Justin Sullivan/Getty Images)\" width=\"640\" height=\"427\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Over at the New York Times, Elisabeth Rosenthal continues her terrific series on the high cost of health care in America. Tuesday's installment is a \u003ca href=\"http://www.nytimes.com/2013/12/03/health/as-hospital-costs-soar-single-stitch-tops-500.html?hp&_r=0\" target=\"_blank\">deeply-reported look \u003c/a>into the murky world of hospital prices, where a \"stitch tops $500,\" says the headline.\u003c/p>\n\u003caside class=\"pullquote alignleft\">The lowest-cost silver-tier plan costs 26 percent more in Alameda County vs. Orange County.\u003c/aside>\n\u003cp>But it's where Rosenthal sets most of her reporting that makes the story a must-read for anyone in the Bay Area. She profiles patients receiving care at California Pacific Medical Center, a Sutter Health hospital -- and her piece indirectly brings up the question of higher health insurance premiums here.\u003c/p>\n\u003cp>These higher premiums were made evident when Covered California released its plans for all the 19 \"rating regions\" of the state. In Alameda County, for example, the \"silver tier\" premiums for a 40-year-old range from $317 to $365. In Orange County, the range is $252 to $290 and Kaiser coming in at a high of $332. In other words, the lowest-cost silver-tier plan is 26 percent more expensive in Alameda County vs. Orange County.\u003c/p>\n\u003cp>Glenn Melnick, a health economist at USC, is quoted throughout the Times piece, and I called him Tuesday morning to talk about this NorCal vs. SoCal difference. \"I would say that hospital prices represent a disproportionate share of that differential,\" he said, and added that premiums are higher in the Bay Area even after accounting for the higher cost of living here.\u003c!--more-->\u003c/p>\n\u003cp>Why do hospitals matter so much? Because the Bay Area has a leader in hospital consolidation and development of hospital systems: Sutter Health.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Sutter is \"a pioneer -- in figuring out how to amass market power to raise prices and decrease competition,\" Melnick told Rosenthal.\u003c/p>\n\u003cp>To state the obvious, higher prices and decreased competition from hospitals leads to higher health insurance premiums. Remember that most Californians receive health insurance from their employers, but businesses are virtually powerless to negotiate better prices from insurers, because \"Sutter contracts include 'gag clauses' that prevent employers from knowing what rates have been negotiated by their insurers on their behalf,\" David Lansky told Rosenthal. He's CEO of the Pacific Business Group on Health, which represents 60 of the state's largest employers in health care negotiations.\u003c/p>\n\u003cp>\"Our members are very exercised about Sutter -- it has increased prices disproportionately,\" Lansky also said. \"Sutter has been successfully at leveraging their huge size in dictating not just price but contract terms.\" Rosenthal reports that when Sutter bought Oakland's Summit Hospital in 1999, \"rates there went up 29 percent to 72 percent, researchers found.\"\u003c/p>\n\u003cp>Melnick acknowledged that the physician market is less competitive here as well, but he said that hospitals are easier to study and document. Sutter has 25 hospitals in northern California. If Sutter has the only hospital in one community and an insurer must have it, Sutter insists the carrier take all 25, even if their prices in other, more competitive communities, are higher than the insurer wants to pay, Melnick said.\u003c/p>\n\u003cp>From the Times:\u003c/p>\n\u003cblockquote>\u003cp>“Hospitals are self-fueling, ever-expanding machines,” said James Robinson, an economist and professor of health policy at the University of California, Berkeley. “There is an infinite amount of stuff to buy — amenities, machines, new wings, higher salaries, more nurses.\" ...\u003c/p>\n\u003cp>The high prices have had a ripple effect across Northern California, allowing smaller hospitals to charge more as well. “Sutter is the tallest Sequoia and everyone goes up just underneath them a bit,” said Professor Melnick. He noted that hospital prices in California had more than doubled in the past decade, after adjustment for inflation.\u003c/p>\u003c/blockquote>\n\u003cp>But there's no correlation between higher prices and better care. \"In fact,\" Rosenthal reports, \"a recent study in the publication Annals of Surgery, a monthly review of surgical science, found that hospitals with the highest complication rates tended to have higher prices.\"\u003c/p>\n\u003cp>Pay more for worse care. This is American medicine.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1452750247,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":671},"headData":{"title":"Why Health Insurance in the Bay Area Costs More Than in SoCal | KQED","description":"Over at the New York Times, Elisabeth Rosenthal continues her terrific series on the high cost of health care in America. Tuesday's installment is a deeply-reported look into the murky world of hospital prices, where a "stitch tops $500," says the headline. The lowest-cost silver-tier plan costs 26 percent more in Alameda County vs. Orange","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"16498 http://blogs.kqed.org/stateofhealth/?p=16498","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/12/03/why-health-insurance-in-the-bay-area-costs-more-than-in-southern-california-hospital-prices/","disqusTitle":"Why Health Insurance in the Bay Area Costs More Than in SoCal","path":"/stateofhealth/16498/why-health-insurance-in-the-bay-area-costs-more-than-in-southern-california-hospital-prices","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16504\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS2629_goldengatebridge20121009-scr-e1386097321558.jpg\">\u003cimg class=\"size-large wp-image-16504\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/12/RS2629_goldengatebridge20121009-scr-640x427.jpg\" alt=\"(Justin Sullivan/Getty Images)\" width=\"640\" height=\"427\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Over at the New York Times, Elisabeth Rosenthal continues her terrific series on the high cost of health care in America. Tuesday's installment is a \u003ca href=\"http://www.nytimes.com/2013/12/03/health/as-hospital-costs-soar-single-stitch-tops-500.html?hp&_r=0\" target=\"_blank\">deeply-reported look \u003c/a>into the murky world of hospital prices, where a \"stitch tops $500,\" says the headline.\u003c/p>\n\u003caside class=\"pullquote alignleft\">The lowest-cost silver-tier plan costs 26 percent more in Alameda County vs. Orange County.\u003c/aside>\n\u003cp>But it's where Rosenthal sets most of her reporting that makes the story a must-read for anyone in the Bay Area. She profiles patients receiving care at California Pacific Medical Center, a Sutter Health hospital -- and her piece indirectly brings up the question of higher health insurance premiums here.\u003c/p>\n\u003cp>These higher premiums were made evident when Covered California released its plans for all the 19 \"rating regions\" of the state. In Alameda County, for example, the \"silver tier\" premiums for a 40-year-old range from $317 to $365. In Orange County, the range is $252 to $290 and Kaiser coming in at a high of $332. In other words, the lowest-cost silver-tier plan is 26 percent more expensive in Alameda County vs. Orange County.\u003c/p>\n\u003cp>Glenn Melnick, a health economist at USC, is quoted throughout the Times piece, and I called him Tuesday morning to talk about this NorCal vs. SoCal difference. \"I would say that hospital prices represent a disproportionate share of that differential,\" he said, and added that premiums are higher in the Bay Area even after accounting for the higher cost of living here.\u003c!--more-->\u003c/p>\n\u003cp>Why do hospitals matter so much? Because the Bay Area has a leader in hospital consolidation and development of hospital systems: Sutter Health.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Sutter is \"a pioneer -- in figuring out how to amass market power to raise prices and decrease competition,\" Melnick told Rosenthal.\u003c/p>\n\u003cp>To state the obvious, higher prices and decreased competition from hospitals leads to higher health insurance premiums. Remember that most Californians receive health insurance from their employers, but businesses are virtually powerless to negotiate better prices from insurers, because \"Sutter contracts include 'gag clauses' that prevent employers from knowing what rates have been negotiated by their insurers on their behalf,\" David Lansky told Rosenthal. He's CEO of the Pacific Business Group on Health, which represents 60 of the state's largest employers in health care negotiations.\u003c/p>\n\u003cp>\"Our members are very exercised about Sutter -- it has increased prices disproportionately,\" Lansky also said. \"Sutter has been successfully at leveraging their huge size in dictating not just price but contract terms.\" Rosenthal reports that when Sutter bought Oakland's Summit Hospital in 1999, \"rates there went up 29 percent to 72 percent, researchers found.\"\u003c/p>\n\u003cp>Melnick acknowledged that the physician market is less competitive here as well, but he said that hospitals are easier to study and document. Sutter has 25 hospitals in northern California. If Sutter has the only hospital in one community and an insurer must have it, Sutter insists the carrier take all 25, even if their prices in other, more competitive communities, are higher than the insurer wants to pay, Melnick said.\u003c/p>\n\u003cp>From the Times:\u003c/p>\n\u003cblockquote>\u003cp>“Hospitals are self-fueling, ever-expanding machines,” said James Robinson, an economist and professor of health policy at the University of California, Berkeley. “There is an infinite amount of stuff to buy — amenities, machines, new wings, higher salaries, more nurses.\" ...\u003c/p>\n\u003cp>The high prices have had a ripple effect across Northern California, allowing smaller hospitals to charge more as well. “Sutter is the tallest Sequoia and everyone goes up just underneath them a bit,” said Professor Melnick. He noted that hospital prices in California had more than doubled in the past decade, after adjustment for inflation.\u003c/p>\u003c/blockquote>\n\u003cp>But there's no correlation between higher prices and better care. \"In fact,\" Rosenthal reports, \"a recent study in the publication Annals of Surgery, a monthly review of surgical science, found that hospitals with the highest complication rates tended to have higher prices.\"\u003c/p>\n\u003cp>Pay more for worse care. This is American medicine.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16498/why-health-insurance-in-the-bay-area-costs-more-than-in-southern-california-hospital-prices","authors":["240"],"categories":["stateofhealth_14"],"tags":["stateofhealth_539"],"featImg":"stateofhealth_16504","label":"stateofhealth"},"stateofhealth_13201":{"type":"posts","id":"stateofhealth_13201","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"13201","score":null,"sort":[1371132163000]},"guestAuthors":[],"slug":"will-proposed-obamacare-fines-help-or-hurt-california-workers","title":"Will Proposed Obamacare Fines Help or Hurt California Workers?","publishDate":1371132163,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cp>\u003cstrong>By Kelley Weiss\u003c/strong>, \u003ca href=\"http://centerforhealthreporting.org\" target=\"_blank\">CHCF Center for Health Reporting\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_13242\" class=\"wp-caption aligncenter\" style=\"max-width: 620px\">\u003cimg class=\"size-large wp-image-13242\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/06/RS915_WalMart_111011-scr-620x422.jpg\" alt='A proposed law seeks to close the so-called \"Walmart Loophole.\" (Justin Sullivan/Getty Images)' width=\"620\" height=\"422\">\u003cfigcaption class=\"wp-caption-text\">A proposed law seeks to close the so-called \"Walmart Loophole.\" (Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>For many businesses Obamacare is downright intimidating. The requirement to provide coverage to full-time employees or potentially face thousands of dollars in fines is what’s really worrying some large companies.\u003c/p>\n\u003cp>Most employees at large businesses already receive health insurance through their employer. But there are still some exceptions.\u003c/p>\n\u003cp>Barbara Andridge is a sales associate at a Walmart near Sacramento. She’s not sure if she’s eligible for the company’s health insurance program because her hours are all over the map -- from eight hours one week up to 36 hours the next.\u003c/p>\n\u003cp>To qualify for company benefits she says she’d have to be working at least 30 hours per week.\u003c/p>\n\u003caside class=\"pullquote alignleft\">“We don’t support big companies that can afford health care costs for their employees simply pushing those costs onto taxpayers.”\u003c/aside>\n\u003cp>“I really had to sit down and think about my hours and if I’m going to have enough hours to qualify to have health care all year,” Andridge says.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>With no guarantee of hours Andridge decided to enroll her six-year-old son in Medi-Cal, the government health insurance program for low-income Californians. Andridge plans to apply for herself soon as well.\u003c/p>\n\u003cp>Some health care advocates are concerned there will be even more employees like Andridge applying for Medi-Cal once Obamacare kicks in next year. They fear companies will limit hours for workers just to avoid having to pay for their health insurance.\u003c/p>\n\u003cp>“Employers should not be able to skirt their responsibility simply by exploiting a vulnerability in the law,” says Steve Smith with the California Labor Federation.\u003c!--more-->\u003c/p>\n\u003cp>Assemblyman Jimmy Gomez (D-Los Angeles) introduced, and the California Labor Federation is co-sponsoring \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB880\" target=\"_blank\">Assembly Bill 880\u003c/a>. It's designed to address what Smith calls a limitation of federal health reform. Under the Affordable Care Act employers aren’t required to cover part-time employees or those working fewer than 30 hours a week.\u003c/p>\n\u003caside class=\"pullquote alignleft\">\u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">Learn more: KQED's Obamacare Guide\u003c/a>\u003c/aside>\n\u003cp>“We’re hearing that this is a real problem out there,” Smith says. “Workers for Walmart, for restaurant chains, are seeing that their hours are being cut so that these employers can get around paying their fair share through the Affordable Care Act.”\u003c/p>\n\u003cp>Smith says AB 880 is aimed at preventing low-wage workers who lose hours -- and their health care coverage -- from turning to Medi-Cal.\u003c/p>\n\u003cp>The fines would vary under the measure, but on average businesses with more than 500 employees would face a $5,500 penalty for each worker who enrolls in Medi-Cal. Smith says the state would collect the fees and use them to offset repeated budget cuts to the Medi-Cal program.\u003c/p>\n\u003cp>“We don’t support big companies that can afford health care costs for their employees simply pushing those costs onto taxpayers,” he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">“I have no choice but to lay off people and increase the rolls of the unemployed.\"\u003c/aside>\n\u003cp>Walmart declined to be interviewed but in a written statement the company said Walmart’s health benefits meet or exceed the requirements of federal health reform.\u003c/p>\n\u003cp>No one knows for sure how many employees will apply for and ultimately receive Medi-Cal, but researchers have developed a \u003ca href=\"http://laborcenter.berkeley.edu/healthcare/ab880_factsheet13.shtml\" target=\"_blank\">simulation model to come up with some estimates\u003c/a>.\u003c/p>\n\u003cp>Ken Jacobs of the UC Berkeley Center for Labor Research and Education says 250,000 employees from large companies are already on Medi-Cal. Jacobs predicts that number could grow by an additional 100,000 people within the first year after the Affordable Care Act takes full effect.\u003c/p>\n\u003cp>However, Jacobs points out that most of those workers will not end up on Medi-Cal because a company cuts their hours.\u003c/p>\n\u003cp>“Cutting to part-time would entail much greater costs than the penalty on employers,” he says. “They’ve got greater hiring costs, more turnover, more supervision costs, more unemployment insurance costs. It’s not worth it.”\u003c/p>\n\u003cp>While Jacobs believes that some workers' hours will be cut, he says the main reason employees will go on to Medi-Cal is that under Obamacare, more people will be eligible. The program is being expanded to all people making up to 138 percent of poverty, a higher income threshold than is in place today. In California alone more than one million additional people will qualify for the program.\u003c/p>\n\u003cp>Whether it’s because of reduced hours or new eligibility that workers end up on Medi-Cal, thousands of California businesses oppose paying a penalty if they do.\u003c/p>\n\u003cp>\u003cstrong>Law could lead to lay-offs\u003c/strong>\u003c/p>\n\u003cp>Some of the loudest protests are coming from those with seasonal and part-time workers. Obamacare doesn’t affect them, but the proposed California law will.\u003c/p>\n\u003cp>Rick Fowler, CEO of the nonprofit Community College Foundation, says AB 880 would do more harm than good. He employs more than 500 students to work as part-time tutors helping disadvantaged kids get to college. Fowler says those students will suffer the unintended consequences of the legislation.\u003c/p>\n\u003cp>“I have no choice but to lay off people and increase the rolls of the unemployed and reduce the services that we’re providing to at-risk youth,” Fowler says.\u003c/p>\n\u003cp>He believes an ongoing and epic battle between labor unions and non-unionized business giants is driving this legislation.\u003c/p>\n\u003cp>“The sad part is that this nonprofit and perhaps many other good organizations are going to die in the crossfire between those heavyweight players,” he says.\u003c/p>\n\u003cp>The bill requires a two-thirds majority vote and with Republicans generally opposed it faces a tough hurdle: every Democrat will need to vote yes. Then Governor Brown would have until the end of September to sign or veto the measure.\u003c/p>\n\u003cp>\u003cem>This story was produced in collaboration with the \u003cstrong>\u003ca href=\"http://centerforhealthreporting.org/\">California HealthCare Foundation Center for Health Reporting\u003c/a>,\u003c/strong>\u003c/em>\u003cem> a nonprofit news organization that focuses on California health issues. Based at the \u003ca href=\"http://annenberg.usc.edu/\" target=\"_blank\">\u003cstrong>USC Annenberg School for Communication and Journalism\u003c/strong>\u003c/a>, the center is funded by the nonpartisan \u003cstrong>\u003ca href=\"http://www.chcf.org/\">California HealthCare Foundation.\u003c/a>\u003c/strong>\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n","blocks":[],"excerpt":"For many businesses Obamacare is downright intimidating. The requirement to provide coverage to full-time employees or potentially face thousands of dollars in fines is what’s really worrying some large companies.\r\n\r\nMost employees at large businesses already receive health insurance through their employer. But there are still some exceptions.\r\n\r\nBarbara Andridge is a sales associate at a Walmart near Sacramento. She’s not sure if she’s eligible for the company’s health insurance program because her hours are all over the map -- from eight hours one week up to 36 hours the next.","status":"publish","parent":0,"modified":1371245905,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":31,"wordCount":1050},"headData":{"title":"Will Proposed Obamacare Fines Help or Hurt California Workers? | KQED","description":"For many businesses Obamacare is downright intimidating. The requirement to provide coverage to full-time employees or potentially face thousands of dollars in fines is what’s really worrying some large companies.\r\n\r\nMost employees at large businesses already receive health insurance through their employer. But there are still some exceptions.\r\n\r\nBarbara Andridge is a sales associate at a Walmart near Sacramento. She’s not sure if she’s eligible for the company’s health insurance program because her hours are all over the map -- from eight hours one week up to 36 hours the next.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"13201 http://blogs.kqed.org/stateofhealth/?p=13201","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/06/13/will-proposed-obamacare-fines-help-or-hurt-california-workers/","disqusTitle":"Will Proposed Obamacare Fines Help or Hurt California Workers?","path":"/stateofhealth/13201/will-proposed-obamacare-fines-help-or-hurt-california-workers","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cstrong>By Kelley Weiss\u003c/strong>, \u003ca href=\"http://centerforhealthreporting.org\" target=\"_blank\">CHCF Center for Health Reporting\u003c/a>\u003c/p>\n\u003cfigure id=\"attachment_13242\" class=\"wp-caption aligncenter\" style=\"max-width: 620px\">\u003cimg class=\"size-large wp-image-13242\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/06/RS915_WalMart_111011-scr-620x422.jpg\" alt='A proposed law seeks to close the so-called \"Walmart Loophole.\" (Justin Sullivan/Getty Images)' width=\"620\" height=\"422\">\u003cfigcaption class=\"wp-caption-text\">A proposed law seeks to close the so-called \"Walmart Loophole.\" (Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>For many businesses Obamacare is downright intimidating. The requirement to provide coverage to full-time employees or potentially face thousands of dollars in fines is what’s really worrying some large companies.\u003c/p>\n\u003cp>Most employees at large businesses already receive health insurance through their employer. But there are still some exceptions.\u003c/p>\n\u003cp>Barbara Andridge is a sales associate at a Walmart near Sacramento. She’s not sure if she’s eligible for the company’s health insurance program because her hours are all over the map -- from eight hours one week up to 36 hours the next.\u003c/p>\n\u003cp>To qualify for company benefits she says she’d have to be working at least 30 hours per week.\u003c/p>\n\u003caside class=\"pullquote alignleft\">“We don’t support big companies that can afford health care costs for their employees simply pushing those costs onto taxpayers.”\u003c/aside>\n\u003cp>“I really had to sit down and think about my hours and if I’m going to have enough hours to qualify to have health care all year,” Andridge says.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>With no guarantee of hours Andridge decided to enroll her six-year-old son in Medi-Cal, the government health insurance program for low-income Californians. Andridge plans to apply for herself soon as well.\u003c/p>\n\u003cp>Some health care advocates are concerned there will be even more employees like Andridge applying for Medi-Cal once Obamacare kicks in next year. They fear companies will limit hours for workers just to avoid having to pay for their health insurance.\u003c/p>\n\u003cp>“Employers should not be able to skirt their responsibility simply by exploiting a vulnerability in the law,” says Steve Smith with the California Labor Federation.\u003c!--more-->\u003c/p>\n\u003cp>Assemblyman Jimmy Gomez (D-Los Angeles) introduced, and the California Labor Federation is co-sponsoring \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB880\" target=\"_blank\">Assembly Bill 880\u003c/a>. It's designed to address what Smith calls a limitation of federal health reform. Under the Affordable Care Act employers aren’t required to cover part-time employees or those working fewer than 30 hours a week.\u003c/p>\n\u003caside class=\"pullquote alignleft\">\u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">Learn more: KQED's Obamacare Guide\u003c/a>\u003c/aside>\n\u003cp>“We’re hearing that this is a real problem out there,” Smith says. “Workers for Walmart, for restaurant chains, are seeing that their hours are being cut so that these employers can get around paying their fair share through the Affordable Care Act.”\u003c/p>\n\u003cp>Smith says AB 880 is aimed at preventing low-wage workers who lose hours -- and their health care coverage -- from turning to Medi-Cal.\u003c/p>\n\u003cp>The fines would vary under the measure, but on average businesses with more than 500 employees would face a $5,500 penalty for each worker who enrolls in Medi-Cal. Smith says the state would collect the fees and use them to offset repeated budget cuts to the Medi-Cal program.\u003c/p>\n\u003cp>“We don’t support big companies that can afford health care costs for their employees simply pushing those costs onto taxpayers,” he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">“I have no choice but to lay off people and increase the rolls of the unemployed.\"\u003c/aside>\n\u003cp>Walmart declined to be interviewed but in a written statement the company said Walmart’s health benefits meet or exceed the requirements of federal health reform.\u003c/p>\n\u003cp>No one knows for sure how many employees will apply for and ultimately receive Medi-Cal, but researchers have developed a \u003ca href=\"http://laborcenter.berkeley.edu/healthcare/ab880_factsheet13.shtml\" target=\"_blank\">simulation model to come up with some estimates\u003c/a>.\u003c/p>\n\u003cp>Ken Jacobs of the UC Berkeley Center for Labor Research and Education says 250,000 employees from large companies are already on Medi-Cal. Jacobs predicts that number could grow by an additional 100,000 people within the first year after the Affordable Care Act takes full effect.\u003c/p>\n\u003cp>However, Jacobs points out that most of those workers will not end up on Medi-Cal because a company cuts their hours.\u003c/p>\n\u003cp>“Cutting to part-time would entail much greater costs than the penalty on employers,” he says. “They’ve got greater hiring costs, more turnover, more supervision costs, more unemployment insurance costs. It’s not worth it.”\u003c/p>\n\u003cp>While Jacobs believes that some workers' hours will be cut, he says the main reason employees will go on to Medi-Cal is that under Obamacare, more people will be eligible. The program is being expanded to all people making up to 138 percent of poverty, a higher income threshold than is in place today. In California alone more than one million additional people will qualify for the program.\u003c/p>\n\u003cp>Whether it’s because of reduced hours or new eligibility that workers end up on Medi-Cal, thousands of California businesses oppose paying a penalty if they do.\u003c/p>\n\u003cp>\u003cstrong>Law could lead to lay-offs\u003c/strong>\u003c/p>\n\u003cp>Some of the loudest protests are coming from those with seasonal and part-time workers. Obamacare doesn’t affect them, but the proposed California law will.\u003c/p>\n\u003cp>Rick Fowler, CEO of the nonprofit Community College Foundation, says AB 880 would do more harm than good. He employs more than 500 students to work as part-time tutors helping disadvantaged kids get to college. Fowler says those students will suffer the unintended consequences of the legislation.\u003c/p>\n\u003cp>“I have no choice but to lay off people and increase the rolls of the unemployed and reduce the services that we’re providing to at-risk youth,” Fowler says.\u003c/p>\n\u003cp>He believes an ongoing and epic battle between labor unions and non-unionized business giants is driving this legislation.\u003c/p>\n\u003cp>“The sad part is that this nonprofit and perhaps many other good organizations are going to die in the crossfire between those heavyweight players,” he says.\u003c/p>\n\u003cp>The bill requires a two-thirds majority vote and with Republicans generally opposed it faces a tough hurdle: every Democrat will need to vote yes. Then Governor Brown would have until the end of September to sign or veto the measure.\u003c/p>\n\u003cp>\u003cem>This story was produced in collaboration with the \u003cstrong>\u003ca href=\"http://centerforhealthreporting.org/\">California HealthCare Foundation Center for Health Reporting\u003c/a>,\u003c/strong>\u003c/em>\u003cem> a nonprofit news organization that focuses on California health issues. Based at the \u003ca href=\"http://annenberg.usc.edu/\" target=\"_blank\">\u003cstrong>USC Annenberg School for Communication and Journalism\u003c/strong>\u003c/a>, the center is funded by the nonpartisan \u003cstrong>\u003ca href=\"http://www.chcf.org/\">California HealthCare Foundation.\u003c/a>\u003c/strong>\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/13201/will-proposed-obamacare-fines-help-or-hurt-california-workers","authors":["240"],"categories":["stateofhealth_166","stateofhealth_15"],"tags":["stateofhealth_539","stateofhealth_365"],"featImg":"stateofhealth_13242","label":"stateofhealth"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. 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You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. 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On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. 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