, which is also known as "adverse selection," is the risk that the bad risks will roll to the side of the plate with the kinder, more generous insurers, like hot potatoes of insurance risk doom, and the good risks will end up on the side of the plate with the tougher, cheaper insurers, or roll off the plate altogether, until the spinning stops and the plate falls down.
Career agents writing for only one company will generally produce business with less potential anti-selection
The primary concern is that allowing employees to choose from among multiple insurers' plans will exacerbate anti-selection
Are policyholders subject to the risk of anti-selection
if the better risks are transferred to investors?
The longer that open enrollment period is, the bigger the chance for anti-selection
is," Kosloske said.
Small wonder actuaries and underwriters fear anti-selection
by employees who choose to port other products.
Whether your plan offers a single or multi-pay structure, recurrence coverage, or full or partial benefits for particular conditions, the general underwriting concerns remain the same: Mitigate risk, ensure optimal spread of risk and limit anti-selection
residents' LTC needs, in part because of the difficulty of dealing with anti-selection
Dr George Parfitt, of the Birmingham branch of the anti-selection
Campaign for State Education, said a fresh crusade would begin in the next two weeks to target this year's batch of eligible voters.
The proposed change in underwriting approach should allow Kaiser to remain competitive in the commercial market and reduce the company's exposure to anti-selection
PPACA drafters tried to protect the PPACA exchange system from going down the same anti-selection
drain by creating mechanisms both to lock consumers into the exchange system and push consumers toward the exchange system.
Sebelius acknowledged that the deficit commission had criticized the program but said some of the challenges could be addressed to by taking steps to avoid anti-selection