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June 1, 2009 | Journal Article
This article describes underlying problems in the markets for small group and individual insurance appraises current methods of subsidizing insurance for high-risk individuals and discusses how risk adjustment addresses conflicts between the group and individual insurance markets.
January 1, 2001 | Program Result
In 1995 and 1996, the California Managed Risk Medical Insurance Board, Sacramento, Calif., developed a risk-adjustment mechanism that was applied to small employer group health insurance purchasers in the Health Insurance Plan of California (HIPC), the first statewide health insurance purchasing cooperative for small employers (three to 50 employees).