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Claim Your Free Copy of Overtime Primer: Highlights from the New Regulations

The federal DOL overtime regulations go into effect this year. Are you ready?


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This report includes a summary of key changes, including the salary level test and salary basis test.

As a bonus, we've included a handy flowchart to help you determine exemption status under the FLSA.

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October 05, 2004
Low-Income Workers Feel Weight of Rising Health Costs
The soaring costs of health care have forced a greater proportion of workers, especially those with chronic illnesses and lower incomes, to spend more than 5 percent of their incomes on out-of-pocket medical costs, according to a study released by the Center for Studying Health System Change (HSC).

Forty-two percent of low-income, privately insured, working-age Americans with chronic conditions, such as diabetes or asthma, spent more than 5 percent of their incomes on out-of-pocket medical costs in 2003, up from 28 percent 2001, according to the study.

"The study provides strong evidence that rising health costs and increased patient cost sharing are taking a heavy financial toll on low-income, chronically ill people--even if they have private health insurance," says Paul B. Ginsburg, president of HSC, a research organization funded principally by the Robert Wood Johnson Foundation.

The study also found that more than one in three privately insured, chronically ill people with low incomes--defined as income below 200 percent of the federal poverty level, or $36,800 for a family of four in 2003--lived in families reporting problems paying medical bills.

Nearly half of the 6.6 million uninsured, chronically ill Americans reported medical bill problems in 2003. Among the 3 million uninsured, chronically ill people with medical bill problems, four in 10 went without needed care, two in three put off care and seven in 10 did not fill a prescription in the past year because of cost concerns.

Across the entire working-age population in 2003, 12 percent reported family out-of-pocket health costs exceeding 5 percent of family income, up from 10 percent in 2001.

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