Insurers could also consider offering multi-year policies if state regulators allow them to price coverage that reflects risk over that period.
For vouchers to work, insurance companies would have to sell coverage at an affordable price to all, regardless of health status.
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Insurers and traditional Medicare, which would remain as is, would essentially participate in a reverse auction to price the coverage in a given region.
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The five million or so working Americans who do not have insurance or qualify for an already-existing government program should have been targeted with legislation that just focused on removing barriers to insurance created by pre-existing conditions or by the price of coverage.
Parente and Bragdon estimate that repeal of community rating and guaranteed issue could reduce the price of individual coverage by 42%.
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The White House later clarified that Obama was not suggesting lowering the income threshold to include those who are not already paying a higher premium for Medicare, but rather was suggesting that those already paying a higher price for their coverage would pay an even higher premium.
If you pay your premiums and follow the rules your insurance company will be required to renew your coverage each year at a price you can afford, even if you lose your job, even if you decide to start your own business or stay home with your children for a few years.
This concept not only drives up the price of health care coverage, it also produces some perverse effects.
This will give plans incentive to compete around their ability to expand coverage while still maintaining a competitive price.
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The architects of Obamacare designed the scheme without enough thought to how its overlapping incentives would discourage competition on the price of the new coverage.
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The regulations cover a myriad of issues--from "guaranteed" coverage for all applicants (regardless of health condition) to pooling micro-businesses with individuals in order to reduce costs. (One caveat on "guaranteed" coverage: It comes at a price, and with few plan options.) Understanding these rules will help you navigate your policy options later on.
Many thoughts abound about the price of insurance premiums once coverage is guaranteed issued and everyone is required to purchase a policy.
He calls it a small price to pay for free health coverage for all Canadians.
Nor is the true price of insurance, especially if coverage is provided through an employer.
The average price of employer-sponsored family coverage nearly doubled between 2002 and 2012, according to the Kaiser Family Foundation.
By examining historical price data as mobile-phone coverage was extended down the coast between 1997 and 2001, Mr Jensen was able to show that access to mobile phones made markets much more efficient.
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Americans are most assuredly not going to happily accept the idea of a GOP dominated government snatching away the availability of health insurance at a community rated price and a return to denying coverage to those who suffer from pre-existing medical conditions.
By examining historical data for the price of fish as mobile-phone coverage was extended down the coast of Kerala in southern India between 1997 and 2001, for example, Robert Jensen of Harvard University showed that access to mobile phones made markets much more efficient, eliminating wasted catches and thereby bringing down consumer prices by 4% and increasing fishermen's profits by 8%.
Accordingly, to get my business they will price insurance policies low and bury the actual coverage limitations in the small print.
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If you're still reading after seeing the six-figure price tag, check the videos or More Coverage link after the jump for more.
He made health care his top priority in the campaign, saying that he would work to reduce the price of prescription drugs and provide more health care coverage through government programs and tax breaks for small businesses.
Roche Holdings has had an impressive ride in the last couple of months as its stock price has soared close to 40% since we initiated coverage on the drug maker.
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One of the dirty little secrets in health insurance is that lots of health insurers offer an HSA plan, but price it so high that the more expensive, comprehensive coverage looks like a better deal.
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However, to my relief, all the advertising and media coverage regarding gold seems to have had little effect on the actual price of gold so I am still very bullish and I see another 40% rise in gold before it stalls out.
Of the 5.6 million people with flood insurance coverage, roughly 1 million get it for less than half the true price, because they live in houses built before flood hazard maps were created.
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Such media coverage connotes the expectation of a quick run-up back to the original price levels.
According to the news coverage, the study suggested it has been a policy slam dunk: Jack up the price 10 percent, see deaths fall 32 percent.
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Widespread coverage of the case didn't appear to have weighed on Fenerbahce's share price on Tuesday, which closed 0.7% lower, outperforming Turkey's benchmark ISE index, which declined 1.5%.
And we also targeted that space by making our products extremely easy to deploy, and offer a price point that allows the mid-tier enterprises to afford Wi-Fi coverage everywhere in their establishment.
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