Fair, but they still can't rate my plan with that number.
ACA plan premiums can only be set based on 5 factors: age, location, tobacco use, individual vs. family enrollment, and plan.
ACA plan premiums can only be set based on 5 factors: age, location, tobacco use, individual vs. family enrollment, and plan.
Insurance is effective at protecting people from uncertain financial risks, but the demands of the public have gradually changed the function of health insurance to include many things outside of that.
The question was never "what functions do insurance companies do efficiently?", the question has always been "what health benefits do people deserve?". Unfortunately, these questions have different answers.