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Health Insurance Without An Annual Expiration Date? A Case For Exchange-Based Long-Term Policies
Health Affairs Link to more items from this source
Nov. 10, 2014

"[A] greater role for exchange plans and price competition might inadvertently counteract current efforts to shift the payment system toward one that rewards providers for providing long-term health care management for their patients.... A possible solution is to introduce multi-year insurance products on insurance exchanges. Under a five-year plan, for example, insurers would find it more attractive to invest in services with long-term benefits. These investments, in turn, would reduce health care costs and some of those savings could result in lower premiums for consumers."

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