Now do the same experiment in New York, which has "guaranteed issue, " much like ObamaCare will have.
During the 1990s eight states passed legislation imposing guaranteed issue and community rating on the individual health insurance market.
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Mr. Santorum didn't get this response by discussing health-insurance exchanges and guaranteed issue.
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
Then they can sign up for the full product coverage under Obamacare, taking advantage of the compassionate, benevolent, guaranteed issue and community rating.
Guaranteed issue incentivizes people to forgo buying a policy until they get sick and need coverage (and then drop the policy after they get well).
WSJ: Matthews and Litow: ObamaCare's Health-Insurance Sticker Shock
Yes, in that health insurance will be guaranteed issue, which means you can purchase health insurance on the individual market without the worry of preexisting conditions.
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Central to that bill--and others backed by the White House--is the concept of "guaranteed issue, " where everyone gets the same insurance quote, regardless of their medical history.
Guaranteed issue alone, the argument goes, results in slightly more expensive premiums, which drives healthier individuals out of the risk pool, which in turn further drives up premiums.
WSJ: Peter Suderman: The Lesson of State Health-Care Reforms
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.
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For instance, the Obama team unilaterally decided to phase-in the guaranteed issue requirements of child-only policies, even though the law required this provision to be fully implemented by the fall of 2010.
Supporters of guaranteed issue argue that it will improve the market for people with pre-existing conditions and, when combined with a mandate that everyone must buy insurance, eliminate the problem of the insurance pool only attracting sick patients.
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
But I also know that when it comes to keeping our kids on our health insurance policies until they are 26 or finally being permitted to purchase health insurance on a community rated, guaranteed issue basis even if we suffer a pre-existing health problem, people feel very differently.
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).
State legislators and regulators have developed an array of high-risk pools, guaranteed-issue laws and other alternatives.
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
However, the plans have been criticised for not addressing the issue of guaranteed flights from the province's airports to Heathrow.
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Many investors also want the eurozone to issue bonds guaranteed by every one of the 17-member nations - so-called eurobonds.
Until now, Germany had been a key opponent to the creation of a large eurobond market allowing European Union member states to refinance their debt themselves directly via the issue of bonds guaranteed by the EU, or at least by the eurozone itself.
For the Conservatives, shadow chief secretary to the Treasury Philip Hammond said it was the government which was "all over the place" on the issue, with some departments being guaranteed budget increases this year and others facing sharp cuts.
The resulting contract, signed in fall 2009, garnered national attention for its brevity, just 10 pages, and its establishment of a merit-based pay scale instead of guaranteed annual pay raises, prompting charter school administrators to issue a press release.
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Einhorn wants Apple to issue "iPrefs, " preferred shares with a guaranteed dividend, as a way of committing the company to sharing its massive profits with shareholders.
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