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Taking the first step toward system reform
1United States Senate.
The Journal of American Health Policy
|June 8, 1991
Summary
Finding affordable health insurance is difficult for small businesses and individuals. Proposed reforms include guaranteed issue, pre-existing condition coverage after six months, and regulated premium increases for accessible "MEDPLANS".
Area of Science:
- Health Economics
- Public Health Policy
Background:
- Small businesses and individuals face significant challenges accessing affordable health insurance.
- Annual premium hikes frequently necessitate policy changes, disrupting coverage continuity.
Purpose of the Study:
- To propose reforms for the small market health insurance field.
- To ensure accessible and affordable health insurance options for small businesses and individuals.
Main Methods:
- The study proposes specific regulatory changes to the health insurance market.
- It suggests the introduction of standardized insurance plans with defined pricing.
Main Results:
- Reforms would mandate insurers to offer policies to all applicants.
- Coverage for pre-existing conditions would be guaranteed after a six-month waiting period.
- Annual premium increases would be regulated.
Conclusions:
- Implementing these reforms can improve health insurance affordability and accessibility.
- Standardized
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