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Pure community rating: a quick fix to avoid.

W R Jones, C T Doe, J M Topodas

The Journal of American Health Policy

|December 9, 1992

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Pure community rating in small employer health insurance may worsen costs and access. Rating bands or community rating by class offer a more balanced approach to reform.

Area of Science:

Health Insurance Policy
Health Economics
Market Regulation

Background:

Small employer health insurance faces challenges with coverage denial and high premiums.
Reforms are proposed to address cost and access issues in this market.
Pure community rating is a frequently suggested reform measure.

Purpose of the Study:

To evaluate the potential impact of pure community rating on the small employer health insurance market.
To explore alternative reform strategies that address cost and access concerns.

Main Methods:

Analysis of the economic implications of pure community rating.
Comparison of pure community rating with alternative rating methods like rating bands and community rating by class.

Related Experiment Videos

Main Results:

Legislating pure community rating could negatively affect cost and access.
Alternative rating structures may offer a more effective solution.

Conclusions:

Pure community rating is not the optimal solution for small employer health insurance reform.
Rating bands or community rating by class represent more sensible approaches to improve market stability and affordability.