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Risk Pooling: How Health Insurance in the Individual Market Works (PDF)
American Academy of Actuaries Link to more items from this source
July 17, 2017

"What is risk pooling? ... What is 'adverse selection'? ... Why is adverse selection a problem? ... Why do premiums depend on who buys coverage? ... How does risk pooling currently work in the individual market? ... How does the ACA protect against adverse selection? ... What if more flexibility were allowed in the ACA market rules? ... What if some plans were allowed to avoid ACA rules altogether?"

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