Private Health Insurance: Problems Caused by a Segmented Market : Report to the Chairman, Subcommittee on Health, Committee on Ways and Means, House of Representatives |
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1991 Self-Insurance administrative ance companies Associate Director availability of health Blue Cross claims commercial insurance community rating community-rated health insur compa competitive insurance practices cover employee benefit employees may find enrollees ERISA exempt health benefit plans health care costs health insurance market healthy employees high-cost medical condition higher costs House Committee incentives to self-insure insurance companies insurance costs insurance plan insurance reform large firms larger firms mandated benefits medical underwriting Medicare Nadel NAIC National and Public negotiating discounts offer health insurance percent preexisting conditions preexisting-condition exclusions premium taxes private health insurance private reform efforts problems Public Health Issues purchase health insurance purchasing insurance rating and underwriting reform attempts reform initiatives reforms targeted reinsurance relatively low-risk employees Restrictive Underwriting Practices risk pool self-insured firms small businesses face small group market spread risks state-mandated benefits Statement of Mark Subcommittee on Health tion tive insurance practices unaffordable wishing to purchase