State legislators and regulators have developed an array of high-risk pools, guaranteed-issue laws and other alternatives.
Insurers worry this will lead to a collapse of their risk pools, and ultimately to financial ruin.
Focus on that problem of pre-existing conditions first, perhaps through creating high-risk pools or via new insurance regulations.
But Karen Pollitz of Georgetown University says there's a big problem with state high-risk pools that goes beyond money.
Our plan addresses this by fostering innovative state reinsurance programs and improved high-risk pools, ensuring that high-risk individuals get affordable coverage.
Risk pools would be overloaded with sick people whose claims would drive up premiums for everyone, forcing out more and more healthy buyers.
The high medical costs in some PCIPs could also portend higher costs of funding expanded high risk pools as part of market-oriented reforms.
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Republican proposals would make access more available to uninsured by promoting state-run high-risk pools and health exchanges to help consumers choose affordable plans.
Most of the working poor, armed with tax credits, would go to private insurers, but the truly poor could tap government-sponsored risk pools.
Friedman makes some good points about how insurance has simply gotten too expensive and all the solutions (high-deductible plans, high-risk pools, etc.) are imperfect.
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Instead Republicans should push the strengthening of high risk pools (not to be confused with Obama's temporary high risk pools) already in existence in 35 states.
This shifting of incentive has many health policy analysts worried that states now have no reason not to dump their high-risk pools onto the exchanges on opening day.
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If the ObamaCare Exchanges experience even a fraction of the excessive costs that the high-risk pools have seen, Congress will have no choice but to cut eligibility, provider payments, or subsidies.
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Such risk pools already exist in over 30 states, and for the most part they work well at relatively little cost to the taxpayers because few people actually become truly uninsurable.
It would also include state high risk pools for the uninsured who had become too sick to buy health insurance, providing a place where they would be assured they could find essential coverage and care, with financial assistance to the extent necessary.
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Since insurance companies can and do turn down individuals who apply for coverage if they're in less-than-perfect health, many states have set up high-risk pools to give them a place they can get insurance, even if they have to pay substantially higher premiums.
According to the Kaiser Family Foundation, high risk-pools are currently in operation in 34 states and, in aggregate, cover approximately 200, 000 individuals.
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John McCain's idea of setting up high-risk insurance pools for the uninsured.
If you oppose mandated health care coverage, the high-risk, government operated pools are the only remaining way to go.
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Finally, insurers have shifted coverage for homes in high-risk areas to state insurance pools.
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Thus, as a technical matter there is some legal risk, even for NCAA Tournament pools run offline.
With auto insurance there are pools for high-risk drivers, but everybody who drives has to have insurance.
"The price reflects the risk" that defaults among loan pools backing some bonds could be as high as 60% or 70%, said Steven DeLaney, a managing director and mortgage-debt analyst at JMP Securities in Atlanta.
You must tear down and re-create your company--or at least your e-commerce division--to ride what the Internet surf has brought in: oceans of risk capital, highly mobile talent pools, tiny markets that could scale and explode, marginless growth, big hairy bets on the future.
These tell managers of asset pools (stocks, bonds, currencies) about their risk of loss from, say, a rise in interest rates or a blip in the stock market.
If anybody is at heightened risk for getting prosecuted under current gambling laws for involvement in NCAA pools, those individuals collecting and paying out prize money seem to be in the most dangerous position.
Pepe told CNN pools of standing water are forming around water points outside schools, increasing the risk of malaria, especially for people who lost mosquito nets during the flooding and those who are now forced to sleep outside.
She never buys pools that have sizable portions made up of investment properties, as those have a lot of prepayment risk.
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