RELATED: No ground zero in opioid fight They look like individual trees, but under the ground all insurance claims the roots are connected, Gelburd said. The health industry is connected in a similar way. If there is a surge in need for certain services or resources, that impacts every other part of the health care system as well. And it impacts the costs that have to be shared among all the other different stakeholders. The trend can already be seen in rising health insurance premiums for those with private coverage under the ACA. Because many people buying plans on the individual market were sicker and more costly to insure than expected, insurers were forced to raise premiums substantially to cover the unexpected costs. The vast majority of consumers with ACA health plans were protected from the premium increases by federal tax-credit subsidies that were designed to cover most of the cost increase under the ACA. But those subsidies are at risk as Congress weighs changes to the Affordable Care Act. And people in employer-based group plans or those who bought coverage outside of the health insurance exchanges will face the cost consequences directly if opioid-related claims for addiction services and treatment continue to rise. No end in sight The impact on insurance premiums is bound to continue because the opioid drug epidemic shows no signs of leveling off. Ohio, which led the nation in opioid related overdose deaths in 2014 with 2,531, continued the lethal pace in 2015 with 3,050 overdose deaths, according to the Ohio Department of Health, which hasnt released 2016 data yet.
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