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Health insurance needs to be fixed and this seems like an alternative to massive federal interference. I look forward to seeing posts from all points of view.
As soon as the state starts to meddle in the UW process, the rates must go up or the process for premium setting must change.
I can foresee issuing a stop loss policy based on a more costly workforce and then refunding excess premium in the form of a dividend to employers where costs meet or beat cost estimates. That way employers with employees who develop a higher cost will still be able to buy the coverage while the other employers will still enjoy a lower overall cost.
It could prove to be a win for the insurance companies, the employers and the employees I just don’t think it will fly under the affordable healthcare act.