You can't buy insurance when the house is on fire. Community rating kills health insurance.
Why does health insurance cost so much? According to the vice president at the insurance company that pioneered high-deductible health insurance to go with medical savings accounts, a big factor is that insurance companies are being asked to solve social problems. Mr Hartnedy offers a solution to America's healthcare-delivery plight that includes empowerment of individuals and preservation of choice.
Hartnedy
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Golden Rule Insurance Company, Indianapolis.
D000206:Actuarial Analysis; D000328:Adult; D000367:Age Factors; D003669:Deductibles and Coinsurance; D017048:Health Care Costs; D018166:Health Care Reform / Q000191:economics*; D006305:Health Status Indicators; D006801:Humans; D007182:Income; D015273:Insurance Selection Bias; D007348:Insurance, Health / Q000706:statistics & numerical data*; D008875:Middle Aged; D011907:Rate Setting and Review / Q000379:methods*; D012940:Social Problems / Q000191:economics; D012941:Social Responsibility; D013660:Taxes; D014481:United States