The Advantages and Disadvantages of Community Rating of Health Insurance

Community rated insurance cover requires health insurers to charge insurance premiums based on community-rated premiums, where all the members of a community group are charged equally irrespective of their ages, health status, sex or occupation (Reinhardt, 2010). An example of community rating insurance cover is group insurance cover provided by employers to their employees. Community rating has different effects on the cost allocations for health care, which depends much on the level of expected costs across different groups of society (Dewar, 2010). This in essence influence the level of benefits and drawbacks derived from the group insurance coverage in relation to private insurance cover.

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