g****i 发帖数: 47 | 1 搞健康险的同志们出来发表点意见。我在财险这一块,不能说是专家,但是考过CAS
EXAM 7,也知道提倡充分自由竞争才是解决任何一种保险产品AFFORDABILITY AND
AVAILABILITY这个矛盾的唯一出路。目前这个改革方案看不到能起到提倡竞争的作用。 |
d***u 发帖数: 186 | 2 我的理解是,这个法案有两点对保险公司有很大影响。第一点,就是去掉pre-existing
condition。这个实行以后,因为不买保险的罚金太少,健康的人会选择交罚金,不买
保险。等到生病的时候才去买。所以,保险公司会增加很多病的人。保险费会上涨。第
二点loss ratio requirement,85% for large company and 80% for small company.
这条对Individual market has very big impact since the cost of selling and
maintaining individual business is significantly higher and I am not sure
what comany can manage it at 80% for Individual market only. This will
possibly cause more insurance companies merging. As a result, they will have
a big |
a*****b 发帖数: 2789 | 3 mark!
existing
company.
have
【在 d***u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我的理解是,这个法案有两点对保险公司有很大影响。第一点,就是去掉pre-existing : condition。这个实行以后,因为不买保险的罚金太少,健康的人会选择交罚金,不买 : 保险。等到生病的时候才去买。所以,保险公司会增加很多病的人。保险费会上涨。第 : 二点loss ratio requirement,85% for large company and 80% for small company. : 这条对Individual market has very big impact since the cost of selling and : maintaining individual business is significantly higher and I am not sure : what comany can manage it at 80% for Individual market only. This will : possibly cause more insurance companies merging. As a result, they will have : a big
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Y*H 发帖数: 1582 | |
A*******s 发帖数: 3942 | 5 seems that they have not yet had regulation on premium increase.
existing
company.
have
【在 d***u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我的理解是,这个法案有两点对保险公司有很大影响。第一点,就是去掉pre-existing : condition。这个实行以后,因为不买保险的罚金太少,健康的人会选择交罚金,不买 : 保险。等到生病的时候才去买。所以,保险公司会增加很多病的人。保险费会上涨。第 : 二点loss ratio requirement,85% for large company and 80% for small company. : 这条对Individual market has very big impact since the cost of selling and : maintaining individual business is significantly higher and I am not sure : what comany can manage it at 80% for Individual market only. This will : possibly cause more insurance companies merging. As a result, they will have : a big
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c******n 发帖数: 61 | 6 my understanding is that the government is trying to take profits away from
health care insurance companies. and many small firms are at risk of going
down |