During the 1990s eight states passed legislation imposing guaranteed issue and community rating on the individual health insurance market.
FORBES: The Constitutional Issue in ObamaCare Isn't Cost, but Control
Using their counterproductive rationale, they should also object to community rating, rating bands, and guarantee issue rules as well.
FORBES: Boston Globe's Flip-Flop on Obamacare's 'Counterproductive' Regulations
Parente and Bragdon estimate that repeal of community rating and guaranteed issue could reduce the price of individual coverage by 42%.
WSJ: Peter Suderman: The Lesson of State Health-Care Reforms
New York's experience with guaranteed issue and community rating is not unique.
WSJ: Peter Suderman: The Lesson of State Health-Care Reforms
When factoring in medical trend, taxes and fees, carrier and product changes and the introduction of community rating, your premiums will jump significantly.
FORBES: 216 Days Until Obamacare is Fully Enacted -- Do You Know What To Expect?
Then they can sign up for the full product coverage under Obamacare, taking advantage of the compassionate, benevolent, guaranteed issue and community rating.
In fact, the Obama Administration may mandate so-called community rating, in which everyone, regardless of age or condition, pays the same price for insurance.
Repealing community rating, on the other hand, hits on every key.
Currently, the community rating ratio is three to one meaning that insurers can charge older patients no more than three times what they charge younger ones.
FORBES: In The Aftermath Of Obama's Re-Election, What's Next For Health Care?
The adjusted community rating part of Obamacare says that insurance companies can only adjust your insurance premium based on your age, where you live, and whether you smoke.
FORBES: Will Body Monitoring Implants Be The Future of Healthcare?
So you have your guaranteed issue and your community rating.
This would scrap the requirement that all Americans obtain insurance but leave in place the rest of the law, including two major insurance regulations: guaranteed issue and community rating.
FORBES: How Will the White House Respond to the Supreme Court's Obamacare Decision
While some firms (primarily those that employ older or sicker workers) will see premium decreases due to community rating, firms with younger, healthier workers will see very large increases: 89% in Missouri, 91% in Indiana and 101% in Nevada.
Central to ObamaCare are requirements that health insurers (1) accept everyone who applies (guaranteed issue), (2) cannot charge more based on serious medical conditions (modified community rating), and (3) include numerous coverage mandates that force insurance to pay for many often uncovered medical conditions.
WSJ: Matthews and Litow: ObamaCare's Health-Insurance Sticker Shock
This works far better than forcing insurers to cover everyone regardless of pre-existing conditions, or regulation such as guaranteed issue (forcing insurers to cover everyone who applies regardless of health condition), or community rating (forcing insurers to charge the same or nearly the same to all regardless of health condition).
States that have imposed community rating in the individual market have discovered that the total number of uninsured people rises rather than falls, because the number of older people who gain coverage due to premium reductions is more than offset by the number of younger people who drop their coverage due premiums hikes.
FORBES: Should Your Kids Subsidize My Grandmother's Health Care?
Insurers are adjusting premiums now in anticipation of the guaranteed-issue and community-rating mandates starting next year.
WSJ: Matthews and Litow: ObamaCare's Health-Insurance Sticker Shock
CloudLock says it aggregated this anonymous data from its customers using its recently launched Community Trust Rating platform.
FORBES: 20 Most Popular Cloud-Based Apps Downloaded into Enterprises
Premiums increased so much that Kentucky largely repealed its law in 2000 and some of the other states eventually modified their community-rating provisions.
WSJ: Matthews and Litow: ObamaCare's Health-Insurance Sticker Shock
Social engagement in the community is enhanced by rating and commenting on themes, which can be exported as color swatches for Adobe Creative Suite projects.
ENGADGET: Adobe brings Touch Apps family to Android tablets, Creative Cloud looms on the horizon
应用推荐