The structure and enforcement of health insurance rating reforms

Article Abstract:

Many states have passed rating restrictions that limit prices charged by the insurance industry to high-risk persons in the small-group and community markets. Rules must allow for other factors, including the amount of increase in rates over time.

Insurance Regulation, Insurance law

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Low-wage workers and health insurance coverage: can policymakers target them through their employers?

Article Abstract:

Government programs must develop programs that will encourage low-wage employers to offer health insurance to their employees.

Pension & Benefit Regulation, Employee Health Benefits, Statistical Data Included, Management, Contracts, Pensions, Employee benefits

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The impact of policy standardization on the Medigap market

Article Abstract:

The implementation of policy standardization on Jul 30, 1992 proves to be beneficial on the Medigap market. Policy standardization abolishes benefits that are not valuable to consumers, such as Medicare SNF coverage and private duty nursing. It also allows consumers to make informed choices by standardizing the quality of other benefits. Standardization enhances the competitiveness of policy premiums as evidenced by a decrease in premium ranges.

Health Regulation, Economic aspects, Standardization, Insurance, Medical law, Standardized terms of contract

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