Underwriting in the non-group health insurance market: the fundamentals
- Collection:
- Health Policy and Services Research
- Series Title(s):
- NHPF background paper
- Contributor(s):
- Linehan, Kathryn. George Washington University. National Health Policy Forum.
- Publication:
- Washington, D.C. : George Washington University, [2009]
- Language(s):
- English
- Format:
- Text
- Subject(s):
- Health Care Reform Insurance Selection Bias Insurance, Health Private Sector Insurance Coverage Insurance Pools Risk State Government Humans United States
- Genre(s):
- Technical Report
- Abstract:
- Non-group health insurance is coverage that individuals purchase on their own rather than as part of a group. Most states currently permit non-group insurers to underwrite, a process whereby an insurer assesses the health and other characteristics of individuals to determine their likely utilization of health services or risk; insurers then use this assessment to determine whether they will offer coverage and the premium they will charge. Policymakers have identified underwriting and related practices in non-group markets as a target for reform to enable broader access for the currently uninsured. This publication reviews the characteristics of non-group markets and insurers' strategies for managing risk presented by people seeking non-group coverage. It also outlines relevant non-group market rules now in force in the states and considers how national rules might affect current markets.
- Copyright:
- The National Library of Medicine believes this item to be in the public domain. (More information)
- Extent:
- 11 p.
- Illustrations:
- Illustrations
- NLM Unique ID:
- 101512522 (See catalog record)
- Permanent Link:
- http://resource.nlm.nih.gov/101512522