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Without the Lloyd's brand, it is extremely expensive for individual insurers to set up offices throughout the world.
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Insurance plans cannot exclude pre-existing medical conditions from coverage for children under age 19, although insurers could still reject those children outright for coverage in the individual market until 2014.
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For decades, insurers have invested heavily in their abilities to assess individual risk and price accordingly.
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In reality, the individual policy business has not been a particularly good one for insurers for quite some time.
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In the past, according to this article by Wendy Stein, insurers have spent about 74% of total premiums for individual plans on care, 80% for small groups, and 84% for big employer coverage.
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Mr Jillings said he was led to believe the report was not published because the county council's insurers felt it could result in individual children suing for compensation in a way that could have been costly.
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The Pension Protection Act of 2006 for the first time may allow insurers to combine long-term care policies with individual variable annuities.
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Lawyers for Godstone Farm said its insurers admitted liability in 2011 and were dealing with the individual claims arising from the E.coli outbreak.
BBC: Godstone Farm wholly liable for E. coli cases
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Since insurance is going to be sold on an exchange, there will be very little need for insurers to pay insurance agents, which will decrease the overhead significantly for the small group and individual market.
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