[DoodleDawg]

There's no "fantasy" to it. It's already been done and proven successful, cutting premiums by around 50%.

Can you point me to some examples that I can read up on?

One of the few acceptable "government mandates" is that ALL CARRIERS in a given state participate in the HRPs. An HRP is not something an employer can do.

We must be thinking of two different things then. I'm assuming you're talking bout Healthcare Reimbursement Plans, which are an employer-provided program.

[ROCKLOBSTER]

High Risk Pool