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Politics : A US National Health Care System?
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To: John Koligman who wrote (2612)11/1/2007 2:00:18 PM
From: Peter Dierks   of 42652
 
"My wife and I got coverage because we have no prior conditions or chronic conditions, but I'd be willing to bet if that were the case the situation would have been far different in 'qualifying' for coverage."

FWIW - groups go through the same process. Actuaries adjust the quoted rates prior to accepting them. If the risk adjusted pool is uninsurable their application is rejected. Because of risk spreading, a certain number of expensive individuals can be included in a pool without causing an excessive cost burden on their coworkers. If you don't think I am paying for my coworker who is diabetic then you are wrong. People who have expensive conditions tend to be less employer mobile until the pool is entirely made up of expensive risks and the cost is so high even they quit.
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