The court squarely rejected the LGC's claim that the members of the boards of directors of risk pools
have discretion to set contingent reserves and thereby control what is to be returned to members as surplus.
Since high risk pool
premiums are indexed to the standard risk rate in the individual insurance market, they are legally mandated to follow these benchmarks that have risen over time.
Furthermore, these dynamics make even existing risk pools
in the individual and small group markets unstable and limit the type of insurance products available.
Generally speaking, the risk managers for some smaller public risk pools
might tend to be less sophisticated than those with private sector insurance programs.
Insurers use underwriting to maintain a predictable and stable level of risk within their risk pools
A principal focus of this analysis is the role of size in a risk pool
with moral hazard.
BOB formats vary among companies, but all EOBs should list the agreed-to-pay fee, the amount of the patient's copayment (copay), the amount of money the physician pays to the risk pool
, and the amount of money the company actually pays the physician (amount paid).
Provide subsidies to individuals whose incomes fall below 250 percent of the federal poverty level to enable them to purchase private insurance, participate in the high risk pool
and buy into expanded public programs.
Gramm would place those with pre-existing conditions in a high risk pool
, then allow insurance companies to bid for their business.
My book is The Risk Pool
by Richard Russo (Vintage Contemporaries Edition, 1989,479 pages, $8.
A bill to establish a health insurance risk pool
has passed the state House of Representatives but is coming under increasing fire as "nothing more than a tax subsidy for the rich.
In 1976, CA helped establish the first high risk pool
in Minnesota, and CA has been involved with the development of risk pools
in many of the 34 other states that have since developed high risk pools