The fragmentation of coverage over time is the root of the dysfunctions in America's individual market for health insurance:
https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
The recent Individual Coverage HRA rule doesn't just help put individuals in control of insurance, it reduces adverse selection and protects them from the risk of denials due to pre-existing conditions, by extending the continuity of coverage over time. https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
The distribution of medical risks does not make it inevitable that health-insurance markets will succumb to adverse selection. Rather, the design of public policy does much to shape the breadth and diversity of risk that can profitably be pooled together. https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
The ACA's insurance market regulations greatly inflated the problem of adverse selection by making it possible for individuals to wait until they developed high medical risks before purchasing insurance. https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
Policymakers can restore the individual insurance market to health by allowing people to get lower premiums if they sign up before they get sick—and rewarding them when they remain insured for longer periods. https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
Continuous Renewable Coverage: Rx for America’s Dysfunctional

Health insurance, like all insurance, depends on pooling risks among individuals—many of whom will make few claims, while some of whom will have many, often expensive, claims. The average costs for a

https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
Germany's experience over recent decades demonstrates that a medically underwritten market with extended renewability and guaranteed issue system can thrive alongside each other: https://www.manhattan-institute.org/continuous-renewable-coverage-americas-health-insurance-system
You can follow @CPopeHC.
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