The increase in premiums is not making American healthcare overly expensive. First of all, although some companies have decreased healthcare coverage, most have actually increased it. Healthcare is not going to be more expensive for the average person due to employer coverage. For example, Delta Air Lines Inc. froze all employee contributions to healthcare for two years.
Moreover, premiums and insurance coverage have always been an insignificant part of the equation when it comes to healthcare coverage. Places like Europe, the Netherlands, and Sweden have more or just as many elderly people as America does. It is reasonable to assume that insurance premiums charges are not excessively lower than they are in America. However, their healthcare costs are relatively low which shows that the problem with expensive healthcare in America does not really have anything to do with the premiums. Rather it is caused by other preventable factors.