Category: Insurance
1. Community Rating vs. Experience Rating in Health Insurance
Pure community rating means everyone in a given area pays the same price for their health coverage. There’s no variation based on age, medical (1)…
Health insurance providers use rate restrictions to determine premiums for groups and individuals. Premiums based on a community rating (2)…
Community rating is a concept usually associated with health insurance, which requires health insurance providers to offer health insurance policies within (3)…
COMMUNITY VERSUS EXPERIENCE RATING HEALTH …
Under “community rating,” an insurer charges all people covered by the same type of health insurance policy the same premium without regard to age, gender, (4)…
In healthcare, community rating refers to the requirement that health insurance providers charge the same health insurance premiums to all people within a (5)…
by P Protection · 2015 — The American Medical Association (AMA) supports modified community rating, risk bands and risk corridors as methods to balance risk in the health insurance (6)…
2. Community Rating and Guaranteed Issue in the Individual …
Community rating prohibits differential premiums based on health status, effectively lowering premiums for individuals in poorer health and increasing them for (7)…
Adjusted community rating means premiums cannot vary based on health status but may be adjusted based on other factors. Other states impose health status rate (8)…
Individual Market Rate Restrictions (Not Applicable to HIPAA …
Health insurance issuers are allowed to vary rates only based on whether the Adjusted community rating means premiums can be adjusted for age or other (9)…
Being community rated means that every company in a given geographic area pays the same premium rate for the same plan – regardless of the age, (10)…
Market Rating Reforms | CMS
For insurance coverage effective January 1, 2014, health insurance issuers in the is a community rating state with uniform family tiers, or allows for (11)…
by AC Monheit · 2004 · Cited by 42 — Since pure community rating imposes the same premium on low- and high-risk people, the premiums of low risks exceed their actuarially fair level, while those of (12)…
by AC Monheit · 2004 · Cited by 42 — ABSTRACT: The New Jersey Individual Health Coverage Program (IHCP) was implemented in 1993; key provisions included pure community rating and guaranteed (13)…
3. Insurance Markets: Simulating Risk – SPH
A young runner would pay the same premium as an elderly diabetic with community rating; in effect the young, healthy runner who doesn; t use many health (14)…
by B Herring · Cited by 46 — Community rating laws prohibit health plans’ use of experience, health status or duration of coverage in setting premium rates for individual (15)…
Private Health Insurance Community Rating System
Private health insurance is there to cover everyone, whether you have a health condition or not. Community rating means that everyone is entitled to buy the (16)…
Lifetime community rating is a system whereby the premium that individuals pay for health insurance rises with the age they enter the private health (17)…
by DP Goldman · 1997 · Cited by 15 — Objective: To predict the geographical effects of community rating of health insurance premiums on the amount individuals pay for insurance.(18)…
Community rating: an idea whose time has come (again)
by K Swartz · 1993 · Cited by 1 — The 20-year movement away from community rating of health insurance premiums in favor of experience rating has produced extreme inequities in the (19)…
When the decision is as impactful as the kind of health insurance to choose for The Affordable Care Act’s (ACA) Community Rating mandate is moving many (20)…
4. Community Rating is Penalizing Many Small to Medium-Sized …
For those unfamiliar with the term, community rating refers to the way health insurance companies calculate healthinsurance rates for businesses (21)…
by MV Pauly · 1970 · Cited by 91 — Finally, indemnity insurance is shown to have some advantages over health insurance in which reimbursement is based on costs or charges, but it is unlikely to (22)…
Revises Small Employer Health Insurance Availability Act
Community Rating – Insurers will establish “Community Rates”, standard health insurance premiums based exclusively upon age, family size and geographic (23)…
5. OGC Opinion No. 08-11-02: Health Insurance, Non …
following opinion on November 17, 2008, representing the position of the New York Insurance Department. Re: Health Insurance, Non-Community Rated Groups.(24)…
group community rated plans. The result may be inflated premiums as the insurer can be prohibited from using medical underwriting to.(25)…
LCR | Lifetime Community Rating | Laya Healthcare Ireland
Since the 1st May 2015 if you are over the age of 34 when you first take out health insurance, you will have to pay extra for your cover under the Lifetime (26)…
Responding to the inability of the sick to obtain health insurance, several health care reform proposals would implement a system of community rating–that (27)…
part-1-2019-community-rating-guidelines.pdf – OPM
The carrier must rate its FEHB plan using its documented community rating methodology. Community Rating Policy. High Deductible Health Plans.(28)…
by J Clemens · 2015 · Cited by 43 — Article Information; Comments (0). Abstract. Community-rating regulations equalize the insurance premiums faced by the healthy and the unhealthy.(29)…
Home>Publications>Community Rating and Sustainable Individual Health Insurance Markets: Trends in the New Jersey Individual Health Coverage Program (30)…
Community Rating: An Unforeseen Upside of Obamacare?
A key provision of the new healthcare law could mean lower costs for community rating requirements (or its “essential health benefits” (31)…
by AM Percy · 2000 · Cited by 8 — This research assesses the impact of community rating laws and other state health insurance market reforms in the small group and individual markets on (32)…
modified community rating – Alliance for Health Policy
A method for setting health insurance premiums for everyone in a state taking into account demographic variables, but not the applicant’s medical history.(33)…
Many early health insurance plans, including those of Blue Cross/Blue Shield, used the community rating system to compute premiums—everyone in a given area (34)…
The amendment would allow states to waive certain insurance market regulations that exist under current law, including the “community rating” (35)…
Legislation | NY State Senate
Rating of individual and small group health insurance contracts community rated and, notwithstanding any other provisions of law, the(36)…
(1) Premiums for health benefit plans for individuals shall be calculated using the adjusted community rating method that spreads financial risk across the (37)…
Private health insurance is community rated, meaning everyone pays the same price for the same policy. This differs from other types of insurance, (38)…
Excerpt Links
(1). Community Rating vs. Experience Rating in Health Insurance
(2). Community Rated versus Experience Rated? What it Means to …
(3). Community rating – Wikipedia
(4). COMMUNITY VERSUS EXPERIENCE RATING HEALTH …
(5). Community rating – Ballotpedia
(6). Modified community rating – American Medical Association
(7). Community Rating and Guaranteed Issue in the Individual …
(8). Small Group Health Insurance Market Rate Restrictions | KFF
(9). Individual Market Rate Restrictions (Not Applicable to HIPAA …
(10). What is a “Community Rated” Health Plan? – OneGroup
(11). Market Rating Reforms | CMS
(12). Community Rating And Sustainable Individual … – Health Affairs
(13). Community Rating And Sustainable Individual … – Health Affairs
(14). Insurance Markets: Simulating Risk – SPH
(15). The Effect of State Community Rating Regulations on …
(16). Private Health Insurance Community Rating System
(17). Lifetime Community Rating | HIA – Health Insurance Authority
(18). Redistributional consequences of community rating – PubMed
(19). Community rating: an idea whose time has come (again)
(20). Spotlight Series: ACA Community Rating – How Data Can …
(21). Community Rating is Penalizing Many Small to Medium-Sized …
(22). The Welfare Economics of Community Rating – jstor
(23). Revises Small Employer Health Insurance Availability Act
(24). OGC Opinion No. 08-11-02: Health Insurance, Non …
(25). New York Community Rating – CGS Health
(26). LCR | Lifetime Community Rating | Laya Healthcare Ireland
(27). Considerations for Risk Adjustment Under Community Rating
(28). part-1-2019-community-rating-guidelines.pdf – OPM
(29). Regulatory Redistribution in the Market for Health Insurance
(30). Trends in the New Jersey Individual Health Coverage Program
(31). Community Rating: An Unforeseen Upside of Obamacare?
(32). “Community rating and regulatory reform in health insurance …
(33). modified community rating – Alliance for Health Policy
(34). Health Insurance in America: Searching for a Cure
(35). New amendment to GOP health bill effectively allows full …
(36). Legislation | NY State Senate
(37). RCW 48.20.028: Calculation of premiums—Adjusted …
(38). What is community rating and why is it good news? – TUH
