Telehealth, the emerging technology of the 21st century, is poised to transform health care.
This week, The Wall Street Journal reported that telehealth providers have reached nearly 20% of all U.S. patients in the past year, an unprecedented figure in recent history.
In the first six months of this year, telehealth saw a growth rate of more than 70%.
In 2017, the total number of telehealth visits increased by more than 60% to more than 15.2 million.
Telehealth also is helping doctors become more mobile, and its increasingly popular among primary care doctors who see many patients in their offices.
But telehealth remains a niche technology, a niche that could easily be eclipsed by the emergence of an alternative.
And the problem is not unique to telehealth.
For the past two decades, the growth in telehealth services has slowed significantly as a percentage of health care spending.
This is because the cost of health insurance has gone up.
In 2016, the average annual premium for a single employer covered by a health plan was $2,634, the report said.
By 2020, the annual premium would have increased to $3,095.
That means that a typical telehealth patient paid $6,847 for their insurance in 2020.
But if that premium were to increase by a penny, that same patient would pay $1,064 in 2020 for health insurance.
For an employer with a payroll of $50,000, that $6k premium would total $3.2m.
The average employer pays $2.5m in health insurance premiums.
With the exception of a few industries, the typical health insurance plan is not subject to the same limits as an employer’s.
So even if an employer paid $2m for an individual policy, the insurer could easily cover $6m in costs in 2020, and the employer could have paid only $2M in premiums for 2020.
That is because insurers and employers are different entities.
For a health insurance company, the premium is based on the risk of your health.
For telehealth insurance, the premiums are based on whether you will see an individual or a group of people.
The telehealth premiums do not factor in the cost or the availability of care.
Instead, they are based solely on the cost to the insurance provider.
In 2018, the Bureau of Labor Statistics reported that health insurance companies spent about $14.5 billion on the business of providing health care to their customers.
This number represents roughly 15% of their total annual revenues.
The other 95% of the business is managed by other health insurance and other businesses, which spend the rest.
For example, if a health insurer and other health businesses combined to pay $5.2 billion for health care services in 2018, that would equal roughly $1.3 billion in annual revenues for the health insurance industry.
For all of these businesses, teleis also means that they have less to pay out in health care premiums.
The problem is that health care companies have a hard time predicting the future, and so they can’t anticipate how much their premiums will increase as a result of the health care reforms they are facing.
The same is true for telehealth companies, which have to plan their premiums in advance.
So if an insurer has a high deductible, and it pays $500,000 per person for a plan with an annual deductible of $10,000 for 2020, it will have to increase premiums by $10k in 2020 to cover that deductible.
This means that the insurer has to increase its premiums by more in 2020 than it had to pay in 2020 if it had stayed on its current path.
And even if the insurer had continued to pay its premiums the way they are now, it would still have had to increase them by $1 million in 2020 as a consequence of the changes it is now facing.
For instance, if an individual is covered by health insurance, but her deductible is $20,000 and she pays $5,000 in premiums, the amount the insurer will have paid in 2020 would have been $2 million less than if she had stayed healthy and kept paying her premiums.
This raises the question of how much will telehealth increase health care costs?
For many people, the answer is, not much.
For most people, a $2 billion increase in the average cost of their health insurance in 2018 would be a small price to pay.
For some people, however, a large increase in their health care expenses is more than they can bear.
For these people, there is a third option.
In many cases, telecare will make health care cheaper.
For individuals, the cost-savings of telecare may be offset by an increase in costs for people with preexisting conditions.
For groups of people, it may be that telecare is more efficient than the existing system.
For insurers, the most