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Health Insurance Reform And Its Effects On The Small Employer Market: A Review Of H.R. 3626, Anthony P. Hammond
Health Insurance Reform And Its Effects On The Small Employer Market: A Review Of H.R. 3626, Anthony P. Hammond
Journal of Actuarial Practice (1993-2006)
This paper provides a detailed analysis of H.R. 3626, a bill that is intended to improve employers' and employees' access to health care. H.R. 3626 attempts to accomplish this through the use of guaranteed availability, community rating, and generous standard benefits. A migration model is used to analyze the impact of H.R. 3626. Using this model, it is shown that while improving the availability and affordability of health insurance, its rating restrictions increase premiums disproportionately for the majority of small employers. In addition, H.R. 3626 increases the number of uninsured small employers.