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THE THEORY AND PRACTICE OF HEALTH INSURANCE
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100th Congress actuarial administrative adverse selection AFDC ance applicants approach average beneficiaries catastrophic chapter claims COBRA coinsurance Committee community rating Congressional Research Service continued coverage contributions cost sharing cover deduction disabled discussed eligible employer mandate employer plans enrollees enrollment ERISA Federal financing firms funds health care costs health coverage health insurance coverage Health Maintenance Organizations health plans high-risk HMOs incentives income increase individual insurance companies Labor Library of Congress limit loss low-income mandated benefit Medicaid medical underwriting medically uninsurable Medicare ment minimum moral hazard multiple employer obtain coverage option participation payment payroll payroll tax percent persons ployer pooling arrangement population potential poverty PPOs programs proposals provide coverage reduce regulation reinsurance retirees revenues risk risk pool self-insured plans small employers Social Security spouses standard subsidy surance tax credit tion U.S. Congress U.S. Library underwriting uninsured waiting period Washington workers