If they can work, group. They might be able to get an HSA and catastrophic care account with a pre-x exclusion clause, otherwise, HRP or MediCaid.
Medical insurance was not designed to be pure insurance.
Of course it was. The high risk pool isn't insurance.
Your guess?
No, that's the way it works out. Probably higher in your town.
Part of its purpose is a cost-sharing arrangement where everyone pays a small surplus to cover costs of those who have catastrophic claims
Yeah. That's what insurance does. For those who start off healthy.
our guess?
Why would premiums go up if claims go down. The two are directly tied together.
It was never intended to be a pure insurance contract.
Of course it was. It's just that it's been so screwed up for the last 20 years. (Ted Kennedy, Hillary Clinton) Now they're trying to get it back to where the decision making is done by the patient and the doctor.
I meant to ping you on #32 since it was your argument. Insurance has a social contract aspect that you seem to ignore.
Would Kennedy/Kassebaum cover those aging off their parent’s plan? They’re coming off group coverage and have prior credible coverage.