Health insurance exchange
It 'a safe bet that it is right that people who say polls are satisfied with their health insurance or that is a warning to politicians to make his hand toward the health care system today, have never had this. to buy health insurance policy on the open market. After all, the conditions for people who have to fend for themselves in search of health insurance can not be much worse than they are now. And 'one of the people. (Or one of the family) the swimming pool, there is a risk that they could use the premiums tend to be more expensive alternatives are limited and available plans - in case more than one is available. - It 's almost impossible. The problem lies at the root of much of what health care reform should be changed and one of the main weapons is bound to do this, it is understood evil, often overlooked aspect of the proposal that has been shared. called health insurance -.(Read "Howard Dean about the politics of health reform.").Under the plan, both the House and Senate, these new government-run, Web-accessible private insurance market. (With a choice of public or co - op) might at least in theory, and to secure the purchase of a new health plan. As transparent and easy to insert your zip code and click with the mouse. The breadth of ideas, some of which the exchange has been widely accepted: the exchange will be put into a pool that has a big risk to help them buy health insurance that costs less. significantly better; federal subsidies for people who are too poor to buy insurance on their own are doled through the exchange and presentation of the plan will be monitored by federal officials to ensure that it meets the minimum standards for coverage. The details of the exchange, like that (and there are many ways), people come to shop, and if state or federal government is responsible, is still under discussion. The exchange of design emerges from Congress may go a long way in making or breaking health care reform as a whole.(Watch the video "health insurance" to that).By far the most controversial detail is what will participate in these exchanges. Both the House and Senate plans to limit access to small businesses and individuals are not eligible for employer plan sponsors to meet a set of minimum standards for coverage. Positive, while the house plan would start with at least one exchange at the national level, the Senate proposal to allow states to set their own, and that can create problems from the start, not only have more time to create. But there is no doubt. Who the exchange of state or regional level are able to attract members can be used for awards under Alain Enthoven is a leading health care economist and Stanford University, said that these conditions make it impossible. For the exchange to achieve "critical mass" of subscribers needed to use reserves of insurance companies offer premium discounts Enthoven said that the exchange must not be less than 20% of the population is insured. private sector to work in addition to participating in the House and Senate. It 'a community of health professionals, policy support for the exchange is open to anyone with an idea that is beginning to decline, thanks to President Obama promised that "if you like what you have. You can keep the" exchange to provide greater transparency and insurance premiums at least be able to attract employers, large amounts of destabilizing the current employer-based health insurance system, more than half of Americans are protected.Then there is the problem of adverse selection According to the plan of the house, the exchange is the only place that private insurers will be permitted for marketing and sale of individual insurance policies. But beneath the floor of the Senate Committee has passed a law that companies can continue to sell insurance outside of the bag. This is a recipe for failure, according to Karen Pollitz, Health Policy Research at the University of Georgetown. "When you've got to compete in the market with the potential to be promoted," he said. (Both the House and Senate plans would allow. It does not require small businesses to participate in the planning of the house, opening the door to large companies and large, the time).From Pollitz, insurance companies and insurance brokers will have a strong incentive to push people older or sick or in small groups at risk of exchange bias pool, driving up the Pre. prize. "You just pick the cherries - a little 'to do it," said Pollitz, both at home and plans call for the Senate's rules and regulations to prohibit a Jacob Hacker is an expert in health policy. Yale University said: "The real concern comes down to having adequate resources to run. One thing is to have rules and anything else that would make insurance companies that have complied with those rules." Plan that provides for the creation of a new organization of the administration, such as health management. In the exchange between regulatory functions other than specific plans for the Senate to ask the exchange to be managed by a state body "or other non-profit organization
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