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Traditional System of Health Insurance Risk Classification Discourages Healthy Lifestyles &Treatment (PDF)
ContingenciesLink to more items from this source
Jan. 6, 2005
7 pages. Excerpt: Proper risk classification using health information gathered in the application process is the most important risk management tool insurance companies use to sustain viable individual and small-group health insurance markets. Without some combination of risk selection, risk rating, and modification to contract terms based on individuals' health status, these vulnerable markets would almost certainly fail.

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