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Risk levels for large sized groups are calculated differently than smaller groups. The larger groups acutally have cheaper rates because there are so many people generating premiums that the premium to payout ratio is more in favor for insurance companies. Smaller groups are rated based on applications each employee fills out and based on prior medical history(pre-existing conditions).
---------- Post added at 08:13 PM ---------- Previous post was at 08:09 PM ----------
Is it fair to take people who are high risk due to no fault of their own and treat them the same as people who choose to live a risky lifestyle? I do think there should be intensives for people to live healthy but we need to be careful that those incentives do not become punishments for people who are sick.[/QUOTE]
It is fair from a free market standpoint. If the govn't passes a single payer plan then things will obviously change. But keep in mind it is extremely expensive to take care of sick people, so the costs are going to be spread out to all tax paying americans in some form or another.
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