Underwriting in the non-group health insurance market: the fundamentals

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
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