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Protection against Higher Premiums Based on Changes in Health Status: Is There a Market-Based Solution?

Featuring Mark Pauly, University of Pennsylvania; Bradley Herring, Emory University; Keith Crocker, University of Michigan; John Moran, Syracuse University; Rick Curtis, Institute for Health Policy Solutions; and Tom Miller, Cato Institute.

The Cato Institute
1000 Massachusetts Avenue, NW
Washington, DC 20001

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Health care consumers seek protection against the problem of "health risk redefinition"–the risk of paying substantially higher premiums in the event they unexpectedly incur a high-cost medical condition. Our panel will examine the performance and potential of market-based alternatives to regulations that require community rating, guaranteed issue, and nondiscrimination based on health status. Join us for a wide-ranging discussion of guaranteed renewability, long-term contracts, and voluntary pooling arrangements.