State Health Care Reform: The Benefits and Limits of "Reinsurance"
Publication Date: July 2007
Publisher: Heritage Foundation (Washington, D.C.)
Author(s): Edmund F. Haislmaier
Research Area: Health
Keywords: Health care; pool; risk pooling; high-risk
Type: Brief
Coverage: United States
Abstract:
When most people refer to "reinsurance" in health care, what they really mean is the related concept of risk transfer or risk-pooling arrangements. Although such mechanisms do not lower overall health care costs, they can help people in poor health obtain coverage and, in conjunction with other reforms, can create a smoother-functioning health insurance market.
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