The insurance market reforms will prohibit abuses such as denying coverage for preexisting conditions.
This is not in lieu of something to make broader changes in the insurance market.
It has increased the cost of coverage by limiting competition in the insurance market.
Unfortunately, in 34 states, 75 percent of the insurance market is controlled by five or fewer companies.
Both leave sizeable chunks of capacity at Lloyd's of London, the insurance market.
Some experts reject the adverse-selection argument, even as they affirm their concern about the future of the insurance market.
Nobody pays more than small businesses and individuals who are self-employed in the insurance market, because they've got no leverage.
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But of course this very sensible action by the insurance company would price many such people out of the insurance market.
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But they only apply in full to a small portion of the insurance market people who buy their health insurance themselves.
It also determined that the insurance market would collapse if Congress forced insurers to cover everybody without requiring everybody to buy insurance.
The most important is to shake up the insurance market, by, for instance, allowing health-insurance companies to tout for business across state lines.
The insurance market is highly competitive, and the company states that the implementation of provisions in the recent health-care law could hamper its business.
And if young people drop out of the insurance market, older Americans will face higher not lower premiums than they would have under an experience-rated system.
While the government asserts the insurance market is unique, "in the next case, it'll say the next market is unique, " he said, cheering the challengers.
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"Competition is tough in the insurance market, forcing many companies to reduce premiums despite the fact that costs show little sign of abating, " he said.
On two measures of keen interest to outsiders it probably cannot act: allowing foreigners to enter the insurance market and signing the Comprehensive Test Ban Treaty.
He feels that fixing this problem would make the insurance market more of a free one, and that market forces would fix things for the insured.
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The genetically best-off will choose not to pool their risk with others, the worst-off will find that they have become uninsurable, and the insurance market will shrink.
As we speak, Americans are enrolling in new programs that provide affordable coverage for folks who had been shut out of the insurance market because of preexisting conditions.
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Still, skeptics say they fear disruption in the insurance market.
Repealing the individual mandate might be popular, for example, but it will make the insurance market worse unless you repeal all of the other aspects of Obamacare that make insurance more expensive.
In July it put forward a plan allowing foreign companies to take stakes of up to 26% in Indian insurance companies, having resisted opening the insurance market to foreigners in the past.
First off, it helps to remember that one of the goals of Obamacare is to make sure that people are not priced out of the insurance market once they develop serious chronic illnesses.
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More centrist Democrats share the goal of universal coverage, but have gravitated toward a regulate-mandate-subsidize model because it has a lower explicit fiscal cost and keeps much of the insurance market in private hands.
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However, the insurers can be counted on to resist having their ombudsman scheme taken over by a new agency, especially if its powers were specified by law, and thus were harder to alter in response to changes in the insurance market.
So women in the insurance market could be given extraordinarily higher rates because they might get pregnant at some point in their lives, or the insurance company would just refuse to cover anyone who was a woman because of a potential pregnancy.
His decision acknowledges that, while reforming an insurance market is a regulation of commerce, Congress cannot artificially create its own "free rider" crisis in the insurance market and then use that crisis to justify an otherwise unconstitutional mandate as "necessary and proper" to save the market from collapse.
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But these rules create another big problem: now they threatened to put insurance companies out of business because unhealthy people will be able to buy insurance at lower rates than they would have otherwise been able to do, but healthy people will see the higher prices and opt out of the insurance market.
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Over time, this tax disparity helped employer-based health insurance dominate the private insurance market.
Now, contrast health insurance with the life insurance market, where people also buy their own policies.
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