However, the true menace of health care coverage once our state residents step outside
group health insurance IL plans lies in the annual deductibles which can rise to five or seven or even ten thousand dollars as the insurance brokers reduce the price of premiums accordingly. Comparatively, set against the potentially back breaking expenses to be owed for decades by the family, a decrease of just ten or twenty dollars each billing statement hardly makes sense, however minimal the interest rates set by most hospital administrators (fearing negative publicity or debt relief through bankruptcy or the reflexive tendency among American consumers to transfer all burdens to credit card debt). Nevertheless, what may be petty cash for the small business owners who decide against group health insurance for their employees could well be the week's food budget for some families who quite rightly recognize that even the least efficient health care approach must be attempted.