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- Title
High-Risk Pools for Uninsurable Individuals: Recent Growth, Future Prospects.
- Authors
Frakt, Austin B.; Pizer, Steven D.; Wrobel, Marian V.
- Abstract
High-risk pools are State programs that were recently brought under Federal review by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). For a subsidized, yet above-standard premium, they provide coverage to individuals lacking access to private health insurance, typically due to pre-existing conditions. Reducing high-risk pool premiums in all States to the level prevailing in the most generous States (at an annual cost of about $105 million) could lead to a modest but significant increase in enrollment, relative to the uninsurable population. In addition, non-premium changes, for example to benefits and marketing, could also have substantial effects on enrollment.
- Subjects
UNITED States; HEALTH insurance laws; HEALTH insurance; INSURANCE premiums; POPULATION
- Publication
Health Care Financing Review, 2004, Vol 26, Issue 2, p73
- ISSN
0195-8631
- Publication type
Article