An Implication of Obamacare

…that’s little talked about.  It follows, though, Obamacare’s segmentation of “insurance” coverage into high-payers—the young, who are poor—and the low-payers—the elderly, who are well established—and into metal groups differentiated solely by what per centage of costs will be covered after deductibles have been consumed for the year.

The implication is this, a buried one-liner in a Wall Street Journal article:

…the health law bars insurers from taking medical history into account when setting prices.

Imagine that.  Underwriters, when designing an “insurance” policy intended to transfer health-related risk, aren’t allowed to incorporate questions of health into their risk assessments.


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