Adverse selection and the individual mandate

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By Thomas D. Snook, Ronald G. Harris | 19 October 2009
Several of the reform bills in Congress share a common theme: A move away from the rating and underwriting techniques that are used to manage adverse selection, and a move toward an individual mandate where all people are required to obtain health insurance. This paper by Thomas D. Snook and Ronald G. Harris will focus on these reforms, and how adverse selection will impact premiums rates in the post-reform world.