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The Dilemma of Regulating the Individual Health Insurance Market--Findings from Study of Seven States (PDF)
The Commonwealth Fund 
Feb. 9, 2005
62 pages. Excerpt: Many states have attempted to reform their individual health insurance market by requiring carriers to sell coverage to all applicants regardless of age or health; creating high-risk pools for those with preexisting conditions; and placing limits on the extent to which premiums can vary by age, sex, or health status. This study assesses the effectiveness of such regulatory reforms in seven states.
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