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Tag Archives: guaranteed renewable
How many are uninsurable because of pre-existing conditions?
An HHS study says 1% of Americans have been denied coverage because of a pre-existing conditions. Economists conclude that less than 1% of the population is uninsurable. The individual market pools risks well, and that allowing insurers to risk-rate premiums would encourage innovative products like health status insurance. Continue reading
Isn’t it already illegal to drop coverage?
I just sent the following e-mail to Janet Adamy, a reporter for the Wall Street Journal: Dear Ms. Adamy, You’ve mentioned that under Senate BIll 3590 would “Insurance companies would no longer be able to cancel enrollees’ policies because they … Continue reading
Post-claims underwriting no justification for government health plan
If you internet service provider violated the contract you made with them by canceled your policy (say you’re hogging bandwidth) is that a reason for government to create a tax-funded “public internet service provider”? Of course not. The ISP in … Continue reading
How health-status insurance addresses pre-existing conditions problem
I cannot remember wanting to cheer and applaud after reading a policy analysis. But this is how pleased I was with a new Cato Institute Policy Analysis by University of Chicago finance professor John H. Cochrane: Health-Status Insurance: How Markets … Continue reading
Guaranteed renewable insurance
A common and legitimate concern about health insurance is not being able to buy insurance because of a preexisting condition. In this post I make the case that if government stopped subsidizing employer-sponsored insurance, more people would buy individual insurance … Continue reading