>> Dude, if a shop has a bunch of old, overweight people in it -- like me >> -- the insuror is going to charge premiums that defray expected costs. > >> You are right, but a lot of that also has to do with discrimination by > insurance cos against "pre-existing conditions" and such. I think the > bill in the Senate has provisions to ban such things, so at least > partly the costs should be more evenly spread out in future. > -raghu.
For a firm with an existing policy and high premiums, they are in danger of being taxed, regardless of the incomes of their employees. I can't imagine what help there would be for them in the bill. There is no preexisting condition issue for a place that already has group insurance. If my decrepit self takes a job in a place with group insurance, I will get insurance, but there is nothing as far as I know to stop the insuror from jacking up premiums for everybody in subsequent years to take account of my impact on expected costs. Regulation of pricing applies to the new plans in the exchange. I don't know if there is any application to existing plans -- I doubt it. The only likely impact is the effect of the new "competition" -- yuk yuk. _______________________________________________ pen-l mailing list [email protected] https://lists.csuchico.edu/mailman/listinfo/pen-l
