http://www.healthinsurancecolorado.net/blog1/2009/10/06/mandate-an-important-part-of-reform-efforts/ Research and discussion of the Colorado health insurance industry and the healthcare crisis in America. Tue, 16 Mar 2010 22:14:50 +0000 http://wordpress.org/?v=abc hourly 1 http://www.healthinsurancecolorado.net/blog1/2009/10/06/mandate-an-important-part-of-reform-efforts/comment-page-1/#comment-14109 Robert Thu, 08 Oct 2009 18:48:57 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1357#comment-14109 A penalty for being uninsured seems a bit absurd to me. A penalty for being uninsured seems a bit absurd to me.

]]> http://www.healthinsurancecolorado.net/blog1/2009/10/06/mandate-an-important-part-of-reform-efforts/comment-page-1/#comment-14106 Jeffrey Seguritan Tue, 06 Oct 2009 20:22:51 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1357#comment-14106 I totally agree, Louise. However, I don't know if there's enough in the proposed legislation to ensure that health insurance is affordable, especially with preset coverage minimums that would easily raise the cost of existing "under-insured" plans. The ongoing push to reduce the cost of the bill through lower subsidies, stricter eligibility criteria and lower penalties is leading to less of the uninsured (particularly healthy ones) being covered. This leads to one big mess of an adverse-selection inundation for insurers, certainly not what they had in mind when they agreed to disregard pre-existing conditions. I totally agree, Louise. However, I don’t know if there’s enough in the proposed legislation to ensure that health insurance is affordable, especially with preset coverage minimums that would easily raise the cost of existing “under-insured” plans. The ongoing push to reduce the cost of the bill through lower subsidies, stricter eligibility criteria and lower penalties is leading to less of the uninsured (particularly healthy ones) being covered. This leads to one big mess of an adverse-selection inundation for insurers, certainly not what they had in mind when they agreed to disregard pre-existing conditions.

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