Employee deductibles doubled over 5 years
  According to new research from the 2015 United Benefits Advisors (UBA) Health Plan Survey, employee deductibles have doubled over the last 5 years.1 The report supports the growing need for broker-provided employer solutions to mitigate the financial burdens associated with shifting healthcare costs to employees. This current cost-shift trend to employees, especially families, has no indications of slowing.  
  In 2015 the median, in-network deductible for individuals rose 33 percent to $2,000, up from $1,500 in 2014.1 Similarly, both the individual and family median in-network out-of-pocket maximums rose to $700 and $8,700, respectively.1  
  From 2000-2015 these figures saw even higher increases, with the median in-network individual deductible increasing by 50 percent and the family deductible increasing by 33 percent.1  
  The Kemper Health products can help give employees financial peace of mind and could help mitigate the trends of increasing deductibles and out-of-pocket maximums. Here are highlights of three of our voluntary products:  
  Accident Expense Insurance – Kemper Health Accident Expense insurance plan can help fill the financial “gap” created by high deductible major medical plans. The cost for a $3,000 Accident Expense benefit is approximately $5.00 per week per covered employee—an inexpensive and ideal solution!  
  Gap Insurance – Many brokers are unfamiliar with the mechanics of Gap insurance. If an employee has a $2,500 deductible and a $2,500 Gap benefit amount, the entire deductible may be covered for inpatient benefits, subject to the Gap policy provisions, limitations and exclusions.  
  Hospital Indemnity Insurance – Not all Hospital Indemnity (HI) plans are HDHP compatible. Integrate a compatible Hospital Indemnity plan with an underlying HDHP and HSA, protecting employees’ HSA dollars by helping pay for deductibles before they have had time to build their account balance.2  
  Download our 3:8 Flyer to see how we can provide more solutions than you may be currently discussing with your clients.  
Call a Territory Manager at (877) 907-5511. You may also email sales@kemperbenefits.com.  
  1 http://content.ubabenefits.com/2015-heath-plan-survey-exec-summary
2 Neeleman, Stephen D., MD. The Complete HSA Guidebook. 9th ed. Dr aper: HealthEquity, 2015. Print.

The underwriting company for the Accident Expense, Accident Indemnity, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, a Kemper Life & Health Company. Kemper Corporation (NYSE: KMPR) is one of the nation’s leading insurers, with subsidiaries that provide an array of products to the individual and business markets. Kempers’ underwriting companies are rated “A-” (Excellent) by A.M. Best Company, a leading insurance industry rating authority. Kemper Corporation is not responsible for the products of any of its underwriting companies. The underwriting company for the Hospital Indemnity, Gap, Limited Medical, and Vision Insurance Products are Fidelity Security Life Insurance Company (FSL). FSL is rated “A-” (Excellent) by A.M. Best Company. FSL is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy.

The Kemper Health Gap insurance plan is not “minimum essential coverage” under the federal Affordable Care Act. Lack of “minimum essential coverage” may result in a tax penalty.

Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

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KB-EB-DD (12/15)

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