High risk pools did not work in the past. Insurance companies can determine what is and is not high risk and force them into the pool where the insurance offered is very expensive.
Which defeats the purpose of HRP.
Then the taxpayers pick up the tab.
Since they’ll do it any way, make Medicaid the catastrophic provider of last resort.
Agreed.
I think the answer, sadly, is for the high risk/cost to be forced to the Medicaid situation if they aren’t covered by insurance. Same deal, basically, as happens to the elderly.
Either keep yourself covered when you need it, find a way to pay for it othewise—or become essentially a ward of the state.
To me that is the obvious answer, but I doubt the one the pols would go for.
No they can't. It only applies to those first applying for coverage...and like if they're dying.
Those insured who become sick are not kick out into the HRP. That's how insurance works.
Do you want to be in the same car insurance risk pool as trucks, teenage boys and bad drivers?