Blog Posts Healthcare for the Service Sector August 6 | 3 mins Although the service sector keeps our economy going and makes our lives easier, service workers are often the lowest earners in our economy. For example in the United States, the average teacher’s salary is mid-thirty thousand to $40,000; the average automotive mechanic’s salary is $39,857; and according to the U.S. Department of Labor, the average farmworker earns between $15,000 to $17,499 a year. Here are just a view of the professions included in the service sector: Housekeepers Teachers Restaurant staff Agricultural workers Mechanics Hotel Staff Retail workers If you add up the average cost of living, the reason so many service workers do not have healthcare for themselves or their families comes sharply into focus. The average American spends $7,700 on groceries and eating out each year. According to the U.S. Department of Agriculture guidelines for a moderate budget, a family of four spends between $10,680 to $12,744 on food annually, according to the U.S. Department of Agriculture guidelines. If you’re fortunate enough to be a homeowner, the average mortgage with 10 percent down runs about $14,000 annually. The cost of rent varies by region but averages $600 to $1500 per month in the U.S., or $7,200 to $18,000 each year. That is already about $20,000 annually for food and housing alone. Add in the cost of transportation and everything else required to maintain a household, and you’ve already swallowed up the income of a large segment of those employed within the service sector. The Cost of Healthcare Many restaurants, retail, hotel, agricultural workers, and other service employees are not offered health benefits from their employers. For those who do have the option, some still cannot afford to enroll or utilize their health plans due to high premiums and deductibles. A single person with employer health coverage earning an annual salary of $50,000 spends, on average, $5,250, approximately 11 percent of his income on health care. This expense includes $800 per year in out-of-pocket costs, a $1,400 premium contribution, and $3,050 in state and federal taxes to fund health programs. If a single person earning an annual salary of $50,000 enrolls in coverage on the individual market instead of through his employer, he can expect to spend 20 percent of his income on health care. A family of four in good health with employer-sponsored coverage and earning a reasonable salary spends about 12 percent of income on healthcare. If the health of at least one family member worsens, household health spending increases to 15 percent of their income. The Cost of Not Having Healthcare The Institute of Medicine found that uninsured adults in the U.S. have less access to recommended care, receive poorer quality of care, and experience worse health outcomes than insured adults do. Studies show the uninsured are less likely than those with insurance to receive preventive care and services for major health conditions and chronic diseases. Twenty-one percent of nonelderly adults without coverage said that they went without needed care in the past year because of the cost, compared to 4 percent of adults with private coverage and 7 percent with public coverage. An Affordable New Solution Unfortunately, many in the service sector do not know about direct primary care and how affordable it is for families to get the healthcare they need to maintain good health. Recently, benefits brokers nationwide have endeavored to educate service employers and employees about the benefits of DPC, such as: Unlimited virtual DPC/telehealth Unlimited doctor visits for low or no visit fees Unlimited chronic disease management Unlimited urgent care for a small fee Annual physicals for no out-of-pocket cost Recommendations for generic pharmaceuticals Direct primary care (DPC) is different than health insurance for several reasons. First, it is not insurance, so there is no expensive monthly premium deducted each pay period. Second, there are no high deductibles to meet before insurance coverage kicks in. With a DPC membership, employees and their dependents pay a low monthly fee for unlimited access to primary care. The need for healthcare is vast among those who serve us every day. The everyday heroes who keep our transportation, food, schools, and households going must be educated on their healthcare options and should be offered the benefits of affordable and convenient access to primary care. If you’d like more information about how you can bring DPC to the service sector, contact Healthcare2U about their Minimum Essential Coverage partnership with Pan-American Life Insurance Group; or download information on their Limited Indemnity plan here. share this post Other Posts You Might Like read more Blog Posts Be Prepared for the New Normal Through the Power of Partnerships March 2 | 4 mins read more Blog Posts Looking into Healthcare’s Crystal Ball – The Present and Future of Direct Primary Care February 19 | 4 mins read more Blog Posts Affordable Healthcare Alternatives Can Minimize the Fallout from COVID February 12 | 3 mins read more Blog Posts Affordable Healthcare and Financial Literacy for Millennials [How Direct Primary Care Delivers the On-Demand Healthcare Experience that Millennials Want] February 3 | 3 mins read more Blog Posts Direct Primary Care Helps Address Healthcare Inequality for Children [Accessible and Unlimited Primary Care] January 26 | 3 mins read more Blog Posts Role of Direct Primary Care in Healthcare Equality [How Affordable and convenient care isn’t just a tagline] January 21 | 3 mins read more Blog Posts The Small Businesses Healthcare Revolution December 7 | 3 mins read more Blog Posts 3 Reasons You Should Be Having as Much Fun as Possible November 2 | 3 mins read more Blog Posts Nextgen Solutions to Keep Families Healthy September 28 | 3 mins read more Blog Posts The Future of Primary Care [ How the Primary Care Landscape is Adapting to a Mobile Workforce ] September 25 | 2 mins read more Blog Posts The ABCs of DPC – The Building Blocks of Healthcare [ What is Direct Primary Care and Why is it Important? ] September 22 | 4 mins read more Blog Posts Caregiver Burnout: Tips for Self-Care [How to care for yourself so you can care for others] September 14 | 2 mins read more Blog Posts Optimal Cholesterol Levels Help Maintain Optimal Health August 28 | 2 mins read more Blog Posts Celebrating Women’s Contributions to Healthcare August 20 | 3 mins read more Blog Posts Healthcare for the Service Sector August 6 | 3 mins read more Blog Posts Prepare for a New Normal July 30 | 3 mins read more Blog Posts Tips for a Happy and Healthy Summer July 24 | 3 mins read more Blog Posts A Solution for Disparities in Healthcare July 17 | 3 mins read more Blog Posts 3 Ways Artificial Intelligence is Changing Healthcare July 8 | 3 mins read more Blog Posts Prevention is the Best Strategy for Chronic Disease July 6 | 2 mins read more Blog Posts Healthcare2U Launches Redesigned Website to Better Support Brokers, Employers and Members June 26 | 2 mins read more Blog Posts Doctors Love Direct Primary Care June 16 | 3 mins read more Blog Posts Is There Such a Thing as Balance? 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