Here is how to keep health insurance coverage 100%.

In the U.S. only  a 5% of the employers provide 100% coverage for their employees' health insurance benefits. The rest of the employees have to choose either high co-pay plans or high deductible plans. Some others employers are passing their increase in health care costs on to their employees.

The fact is that Health Care Premiums are rising faster than workers wages.

According to the 2007 Employer Health Benefits Survey which was conducted by the Kaiser Family Foundation and the Health Research and Educational Trust, premiums for employer-sponsored health insurance rose an average of 6.1 percent in 2007, less than the 7.7 percent increase reported in 2006. It was still higher than the increase in workers' wages (3.7 percent) and the overall inflation rate (2.6 percent).

The 6.1 percent average increase in 2007 was the slowest rate of premium growth since 1999, when premiums rose 5.3 percent. Since 2001, premiums for family coverage have increased 78 percent, while wages have increased 19 percent and inflation has increased 17 percent.

In 2007, the average premium for family coverage was $12,106.  Average workers now pay $3,281 out of their paychecks to cover their share of the cost of a family policy. According to Agent Sales Journal, in 2007  wages grew just 3 percent.

Lets Keep it 100% coverage and reduce the premiums. Below is a strategy from Easy To Insure Me .com.:

Here are two equations for a 15-employee group- Current and Future Solution

Equation 1: Current Solution

15 employees

(Yearly Premium) $100,000=Health Care

Equation 2: Future Solution

(Yearly Premium) $60,000 + $15,000 (employees x deductibles) = $75,000 maximum exposure

100% coverage and the employer pays for the deductible

while still saving 20% to 40%