Health insurance

Health insurance reform proposals, legislation

Florida dropped its modified community rating system in favor of rate bands and risk rating by health insurers, but this has failed to help small businesses buy insurance for their employees, according to the Palm Beach Post. In its news report, fewer Florida firms offering health insurance, the Post reports on a Chamber of Commerce survey that shows premiums are rising and more employers are being forced to drop coverage.

When health insurers set premium rates for individuals and small employers by taking the health status of the insured people into account, they frequently price high-risk individuals and small employers out of the market, according to an article in the May-June 1999 issue of Health Affairs.  Download the article here.

Colorado National Federation of Independent Businesses opposes health insurance rate flexibility and rate banding