health-status insurance

ObamaCare’s perverse incentives harm those with pre-existing conditions 0
- October 20, 2012
There’s no need to turn the entire system upside down to help the people who can’t buy private insurance. Continue reading →
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The Road to Socialized Medicine Is Paved With Preexisting Conditions 0
- March 24, 2011
Imagine that you live in a world with no medical insurance, you take the risk to start the first insurance company, and competition springs up. Then a customer walks in to your office and wants you to sell him insurance. He has pre-existing conditions, but expects that you sell him a policy at the same price as more healthy people. Yaron Brook and Dan Watkins explain the absurd implications of this at Forbes.com: The Road to Socialized Medicine Is Paved With Preexisting Conditions.
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How to Insure Americans who have Pre-Existing Conditions 0
- February 25, 2011
Published in Pajamas Media: People with pre-existing conditions deserve better than ObamaCare’s price controls. Free market reforms can provide it. Like a hammer that sees every problem as a nail, many politicians think the solution to every problem is legislation that erodes our liberties.
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How many are uninsurable because of pre-existing conditions?0
- January 26, 2011
An HHS study says 1% of Americans have been denied coverage because of a pre-existing conditions. Economists conclude that less than 1% of the population is uninsurable. The individual market pools risks well, and that allowing insurers to risk-rate premiums would encourage innovative products like health status insurance.
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Ten Small-Scale Reforms For Pre-existing (Chronic) Conditions 0
- July 12, 2010
Instead of more political meddling in insurance markets like guaranteed issue and community rating, the following free-market-oriented reforms would help alleviate the problems with pre-existing conditions. From John Goodman at the Health Affairs Blog:

Encourage Portable Insurance.
Allow Special Health Savings Accounts for the Chronically Ill.
Allow Special Needs Health Insurance.
Allow Health Status Insurance.
Allow Self-Insurance for Changes […]
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ObamaCare’s high-risk pools may deny coverage 0
- July 9, 2010
This week the Denver Business Journal and the Denver Post reported on Colorado’s new federally subsidizes high-risk pools (”GettingUSCovered”). But there’s a good reason to be concerned about quality and access. The Hill reports:
The Obama administration has not ruled out turning sick people away from an insurance program created by the new healthcare law [HR […]
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