-
Categories
health policy sites
health policy primers
HR 3590 "ObamaCare"
Tag Archives: community rating
Obama Care will emulate Massachusetts’ health “reform” failure
he Wall Street Journal reminds us: Natural experiments are rare in politics, but few are as instructive as the prototype for ObamaCare that Massachusetts set in motion in 2006. The bills for “universal coverage” are now coming due, and it … Continue reading →
Posted in PPC, regulation
|
Tagged community rating, insurance price controls, Massachusetts health
|
Leave a comment
Beware of incremental health care “reform”
Sheldon Richman makes the case in The Freeman: Opponents of (more) government control of health care and health insurance are breathing a sigh of relief after Tuesday’s upset senatorial election in Massachusetts. But now that the celebrations are subsiding, I … Continue reading →
Insurance price controls hurt the sick
A Cato podcast on the insurance company price controls in the House and Senate health care bills: As I summarized in a previous article, when government forces insurers to issue policies to high-risk customers (guaranteed issue), but to also charge … Continue reading →
Posted in Policy - National, PPC, regulation
|
Tagged community rating, insurance price controls, unintended consequences
|
2 Comments
Senate health-care bill: insurance premiums soar like a Tiger Woods drive
The CBO predicts higher insurance premiums, but what do supporters say? From the Wall Street Journal: “No Big Cost Rise in U.S. Premiums Is Seen in Study,” said the New York Times, while the Washington Post declared, “Senate Health Bill … Continue reading →
Senate health bill’s huge tax increases
Writes Cato‘s Michael Cannon: Amid double-digit unemployment, a record $1.6 trillion federal deficit and a national debt projected to double in 10 years, U.S. Sen. Ben Nelson, D-Neb., voted to bring to the floor of the Senate a health care … Continue reading →
Posted in Policy - National, PPC
|
Tagged community rating, HR 3590, mandatory insurance, taxes
|
Leave a comment
Health care bill: A Bad Deal for Young Adults
A new Cato briefing paper by economist Aaron Yelowitz. Here’s the summary: One of the most interesting questions about the health care overhaul now moving through Congress is how it would affect young adults. That legislation would force most or all … Continue reading →
Health reform bill and preexisting conditions
Section 211-213 of HR 3962 basically says that insurance companies must offer coverage (guaranteed issue) and charge the same premium (community rating) to everyone regardless of their medical history. The November 8 Daily Camera (Boulder, CO) printed my brief opposition … Continue reading →
Posted in Policy - National, PPC, regulation
|
Tagged community rating, death spiral, guaranteed issue, HR 3962, pre-existing conditions, unintended consequences
|
Leave a comment
Attracting the healthy and avoiding the sick
John Goodman makes an excellent point about what happens when government forced insurers to charge the same price to everyone, regardless of their risk: they seek to avoid the sick and attract the healthy: …think about everything you would like … Continue reading →
The health care reform death spiral
James C. Capretta has a fine description of what economists call the “death spiral” that results from requiring insurers to issue policies to everyone (guaranteed issue) at prices that do not reflect their health risks (community rating). It’s happened in … Continue reading →
Obama Care: encourage insurers to avoid the sick, cater to healthy
Typically profit-seeking companies try to sell products that their customers want. Not so with insurance companies when they must charge the same premium to high-risk patients as low-risk patients. Such a political control is known as “community rating.” Michael Cannon … Continue reading →
Posted in PPC, regulation
|
Tagged community rating, Massachusetts health, unintended consequences
|
Leave a comment