Insurance companies have a business model based on an ever-changing set of probabilities and risk.
They make decisions that will both keep them in business and allow them to fulfill their contractual obligations.
Zerocare, increases those “obligations” and attempts to restrict their ability to adjust their risk by imposing higher premiums.
While most health insurers have seem to have found ways to increase those premiums, it is becoming a burden to employers since health insurance has become an expected benefit of being employed.
I can’t help but being reminded of when I was recruiting for a large company at a college “career fair”.
This was back in the early 1990’s, and I talked to hundreds of applicants. Over the course of two days I was struck by the percentage of applicants that ultimately seemed programmed to ask about “Training”.
I got to the point in which anybody that asked about “Training”, I cut them off and kinda told them to go away.
Whatever happen to being smart enough to figure things out on your own ?
We have been conditioning multiple generations to fall in line.
We are conditioning younger and younger people to “expect” certain benefits.
Welcome.....to...the Machine.....
I'm not sure there are limits on increased premiums. The constraint is that insurance companies must spend at least 80% of premiums on patient care. The problem here is that the federal budget covers any premium increases.