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View Diary: Insuring vs. Health Insurance Companies (7 comments)

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  •  Good questions (0+ / 0-)
    1.  It would prohibit any rating based on health status, so this situation would be included.
    1.  Insurance companies would not be allowed to know about the health status of prospective insureds.

    Obviously, they would know about the health status of current insureds.  IMHO, the prohibition against using this information in making rate decisions would be effective.  It's a bright line, unlike employment decisions.

    Companies that buy health insurance, therefore would not have an incentive to discriminate against less healthy workers (although increased probability of absenteeism could be an issue).

    I could see that there might still be a problem with companies that self-insure for medical.

    Numbers are like people . . . Torture them enough and they'll tell you anything.

    by Actuary4Change on Mon Jul 13, 2009 at 10:20:05 AM PDT

    [ Parent ]

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