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View Diary: Post exposes an inconvenient truth - insurers will still cherry pick (168 comments)

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  •  They can't (1+ / 0-)
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    " if private insurance companies are allowed to select for more healthy customers, to deny expensive care, etc?"

    Despite the hysteria if the final bill contains the defined requirement of an "Acceptable Benefits Package" then insurance companies cannot deny care because of cost alone. And as noted in my comment down thread not only is cherry picking illegal, under the provisions of Sec 116 it is counterproductive.

    You got to read the bill and understand which parts are the most important. If Secs 111-116 of the House Bill make it into the final version 99% of the horrow scenarios typically floated here are simply ruled out.

    The two most important sentences in the whole damn bill, yet no one seems to have noticed.

    (a) IN GENERAL.--A qualified health benefits plan shall meet a medical loss ratio as defined by the Commissioner. For any plan year in which the qualified health benefits plan does not meet such medical loss ratio, QHBP offering entity shall provide in a manner specified by the Commissioner for rebates to enrollees of payment sufficient to meet such loss ratio.

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