Individual plans also are more expensive because they do not spread the risk in the way group plans do and because those seeking coverage often wait until they have health problems, Waltman said.

“个人保险计划更贵，因为他们不分担风险，而且他们经常是等到有健康问题后才开始投保。”Waltman说。

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Each item can be unique--"ideal for such documents as financial statements for retirement services investors, " says Lew Waltman of R.

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Each quarter Frank Waltman, executive VP for product management, holds a large meeting with the chief investment officers of each fund group to review performance and strategies.

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Jessica Waltman, senior vice president of government affairs for the National Association of Health Underwriters, said she favored insurance plans offering narrow annual windows in which people could buy policies.

WSJ: Insurers Make Plans in Case Health Mandate Is Quashed