Word: premium
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...agreed on a reduction totaling 24 billion euros ($36 billion). Among the beneficiaries will be small businesses, families and people inheriting money from their parents. The government is also planning to reform its health insurance system from 2011, shifting more of the financial burden on the public via direct premium payments. (See a story about Angela Merkel's economic legacy...
Because he and Samuels were trained on far more primitive medical technology, Ropper says they benefited from a culture that placed a high premium on the judgment of the doctor...
...retirement-insurance provider. The policy would work similarly to a traditional pension in that it would provide a guaranteed monthly check equal to about a quarter of your final pay, from when you quit working until you die. Some employers might even be willing to pay the annual premium as a perk. If not, employees would pay for it much as they currently fund their own 401(k)s. But the policy would be portable. Contribute for 30 years and you would be guaranteed income in retirement, no matter how many employers you worked for. Combine your retirement-insurance check...
...already tackled substantial health reform could be better positioned than others. Massachusetts, the only state to have enacted universal health-care reform, already has a working exchange and many of the insurance-market reforms called for in federal legislation (such as guaranteeing coverage to anyone who applies and prohibiting premium pricing based on health status). Cantwell based her amendment on a program that already exists in her home state of Washington; called Basic Health Plan, it pools non-Medicaid-eligible low-income residents, steering them into less costly managed-care plans. Critics point out that premiums for these low-income...
...that it will dovetail very nicely with health reform nationally." Rhode Island, which has some of the most stringent insurance-market regulations in the country, already has guaranteed issue in the small group market (requiring insurers to accept all applicants) and strict limits on how insurance companies can set premium rates based on health status. "Changing the underwriting laws will be relatively easy for us," says Chris Koller, Rhode Island's insurance commissioner...