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Tag Archives: community rating
Health insurance: employers want to attract healthy employees, avoid sick
With the current regulations … a rational employer has strong incentives to find every legal way possible to attract employees who are healthy and avoid those who are sick Continue reading →
The Road to Socialized Medicine Is Paved With Preexisting Conditions – Part 3
Yaron Brook & Don Watkins of the Ayn Rand Institute write: [W]ithout exception, the actual problems they point to are not caused by the market, but by government intervention–and the outcomes they denounce which are a product of the market … Continue reading →
SB 11-128: Colorado government compels insurers to sell plans to kids
Colorado authorities are forcing insurers to sell child-only health plans to parents, and at the same price regardless of the child’s health risk. This encourages insurers to cater to healthy people & underprovide to the sick. Continue reading →
Posted in Colorado health care, PPC
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Tagged child-only policies, community rating, guaranteed issue, SB 11-128
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Colorado Consumer Health Initiative misleads again
It’s been illegal to drop coverage when someone gets sick since 1997. The 2010 health control bill did not change this, despite what Dede de Percin of the Colorado Consumer Health Initiative says. Continue reading →
Ten Small-Scale Reforms For Pre-existing (Chronic) Conditions
Instead of more political meddling in insurance markets like guaranteed issue and community rating, the following free-market-oriented reforms would help alleviate the problems with pre-existing conditions. From John Goodman at the Health Affairs Blog: Encourage Portable Insurance. Allow Special Health … Continue reading →
Colorado HB 1008 hurts both men and women
Submitted to the Denver Business Journal last week in response to Governor Bill Ritter’s signing HB 1008 into law: House Bill 1008 poses great threats: hurting women, boosting insurer’s profits, or leaving men uninsured. Now law, the Bill requires health … Continue reading →
Posted in Colorado health care, PPC
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Tagged Colorado HB 1008, community rating, equality, insurance price controls
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ObamaCare: buy insurance only when you have medical expenses
The Boston Globe reports: Thousands of consumers are gaming Massachusetts’ 2006 health insurance law by buying insurance when they need to cover pricey medical care, such as fertility treatments and knee surgery, and then swiftly dropping coverage, a practice that … Continue reading →
Posted in PPC
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Tagged community rating, Massachusetts health, unintended consequences
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Young adults’ insurance premiums will rise
From the Associated Press: People younger than 35 who are buying their own insurance on the individual market would pay $42 a month more, according to an analysis by Rand Health, a research division of the nonpartisan Rand Corp. The … Continue reading →
Posted in PPC, regulation
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Tagged community rating, exploitation, invincibles, medical technology and innovation, ObamaCare, tontine health insurance
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How Many Employers Will Stop Providing Health Insurance?
Economist Bryan Caplan asks: How Many Employers Will Stop Providing Health Insurance? If preliminary summaries of Obamacare are true, it looks like individual health insurance will soon be a better deal than employer-provided health insurance. In the individual market, you … Continue reading →
Posted in PPC, regulation
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Tagged adverse selection, community rating, unintended consequences
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Get ready for health insurance slumlords
My latest article at Pajamas Media begins: If you dislike your health insurer now, just wait until politicians impose price controls that make your insurer act like a slumlord. Expect worse customer service, skimpier plans, and more claim denials. Price … Continue reading →