Insurance premiums

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  • Distance-based pricing can help achieve equity objectives. Since annual vehicle mileage tends to increase with income, fixed-price insurance causes lower-income motorists to subsidize the insurance costs of higher-income motorists within their rate class. Distance-based insurance pricing provides overall savings to lower-income motorists, and would allow some low-income households to own a vehicle for basic mobility that they cannot currently afford. Distance-based pricing lets motorists save money by reducing mileage, an option that is currently unavailable.

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  • Over the next decade, the two laws also will provide for about $900 billion in new subsidies, including a substantial expansion of Medicaid and new tax credits to offset the cost of health insurance premiums for low- and middle-income families and small businesses. In each state, exchanges will be established to facilitate the purchase of coverage and the delivery of the subsidies. Some companies whose workers receive subsidies for health insurance through the exchanges could be required to pay penalties.

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  • Most crop insurance policies are either production-based or revenue- based. For production-based policies, a farmer can receive a payment if there is a production loss relative to the farmer’s historical production per acre. Revenue-based policies protect against crop revenue loss resulting from declines in production, price, or both.

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  • Several figures in this primer show the cumulative percent change in private health insurance or health insurance premiums (Figures 11, 15, and 20). These cumulative increases may vary from figure to figure because different years are used, the data sources differ, and what is being measured varies.

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  • ARPA and the 2008 farm bill set premium subsidy rates, that is, the percentage of the premium paid by the government. Premium subsidy rates vary by the level of insurance coverage that the farmer chooses and the geographic diversity of the crops insured. For most policies, the statutory subsidy rates range from 38 percent to 80 percent. Table 1 shows the total costs of subsidies for all crop insurance premiums and administrative expenses for 2000 through 2011.

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  • This study investigates the feasibility, benefits and costs of implementing distance-based motor vehicle insurance. It is based on a literature review, analysis of insurance claim data, comparisons of different distance-based pricing options, and evaluation of concerns that have been raised about distance-based pricing. Vehicle insurance is a significant portion of total vehicle costs. A typical motorist spends almost as much on insurance as on fuel. Insurance is generally considered a fixed cost with respect to vehicle use.

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  • Distance-based insurance reflects the principle that prices should be based on costs. It gives consumers a new way to save money by returning to individual motorists the insurance cost savings that result when they drive less. Motorists who continue their current mileage would be no worse off on average then they are now (excepting any additional transaction costs), while those who reduce their mileage save money. Distance-based pricing can help achieve several public policy goals including actuarial accuracy, equity, affordability, road safety, consumer savings and choice.

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  • In 2014, annual premiums are projected to fall compared to what they would have been without the Affordable Care Act. These savings could be as much as $2,300 for middle-income families purchasing through Exchanges. A low-income family of four with an income of $33,525 could save as much as $9,900 in premiums and $5,000 in cost sharing due to the extra help from new tax credits and cost sharing assistance. Small businesses, on average, could save up to $350 per family policy due to lower costs in the Exchanges and could get tax credits for up to 50 percent of...

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  • Medical loss ratio likely to lead to rebates: This year, health insurers must either meet the new minimum loss ratio requirements by spending at least 80 percent of premiums on care and quality improvement or offer customers rebates in 2012. Already, 75 million Americans in plans covered by this rule are benefiting from insurers’ efforts to lower administrative costs and increase the value of their coverage. We estimate, in the small group market, one million enrollees could receive rebates averaging $312 per enrollee.

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  • As one of the key pillars of the financial services sector the insurance sector is a central element of the trade and development matrix. As both an infrastructural and commercial service, a well-functioning insurance sector plays a crucial role in economic development not just at a macro economic level but also in terms of the activities of individuals and businesses. The world insurance market is dominated by industrialized countries which in 2004 generated about 88 per cent of world life insurance premiums and accounted for 90 per cent of the world non-life market.

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  • Our stylized model generates several empirical hypotheses about the insurance offer decision. Firms in industries where labor turnover rates are high do not tend to offer insurance. Premium rigidities will be most pronounced in such industries. Firms not offering insurance will tend to have lower health-cost variability and lower average expected health spending than firms offering insurance; for example, they have higher proportions of younger workers or are in industries where workers tend to be healthy.

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  • The fact that entrepreneurs may insulate workers’ earnings from shocks in the prod- uct market has long been recognised as an important determinant of the dynamics of wages. The rationale for such an insurance ultimately rests on the concept of implicit labour contracts originated by Azariadis (1975), Baily (1974) and Gordon (1974). A central empirical implication is that contract wages may entail implicit payments of insurance premiums by workers in favourable states of nature and the receipt of indemnities in unfavourable states....

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  • Health insurers play a unique role as both sellers of insurance and buyers of health care services. These companies use their power as buyers against the smaller medical providers while cooperating with larger providers to increase profits for both.22,23 With only a handful of large insurers, physician practices often have no choice but to accept the prices offered without bargaining effectively. Larger providers, such as academic medical centers, can use their size and stature to negotiate rates.

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  • The Ohio Department of Insurance has created this guide to help you understand some of the basics of health insurance .This guide is intended to help individuals, families, self-employed people and small business owners evaluate their options . If you have health coverage, try to keep it .Unless the policy owner (you or your employer) stops paying premiums, the health plan cannot cancel your coverage — even if you get sick .The law allows you to keep coverage through life-changing events (divorce, changing jobs, job loss, etc .

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  • Our new insight is on the interaction between relative labor turnover dynamics and lack of insurers’ premium flexibility. A related possibility is that high labor turnover may be preferred by some employers, especially small firms that employ homogenous workers with low job-specific human capital. Workers tolerant of high turnover tend to be younger and healthier. By not offering health insurance, despite the tax advantage, these firms deter older and less healthy workers.

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  • It was during the Depression that hospitals band- ed together to offer prepaid coverage to citizens. Prepaid hospital coverage was a way for hospitals to avoid the financial failure that befell the banking industry. The approach worked so well that doctors followed suit a few years later and Blue Cross Blue Shield organizations were born. Little did anyone know that the seeds for runaway costs eighty years later had been planted. Prepaid, employer-provided insurance quickly dominated the health care landscape.

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  • Despite the large social benefits from PAYD, there are currently several barriers to its widespread adoption, including the cost to monitor miles traveled and some state insur- ance regulations. In order to facilitate the spread of PAYD, we propose a three-part strat- egy. First, states should pass legislation permitting mileage-based insurance premiums. Second, the federal government should increase the funding available to PAYD pilot pro- grams by $15 million over five years.

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  • Rising health premiums are exacerbating income inequality and making coverage too costly for many Americans. The Kaiser Family Foundation found that employer-sponsored health insurance premiums have more than doubled in the last nine years, a rate four times faster than wage increases.38 A study by McKinsey Global Institute of widening income gaps among U.S.

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  • The programming language Python links the database to the “front-end” (main interface) of the timeline. Digital layouts and comps begin to set the visual tone and the aesthetics of an interface, but when the end product is intended for web use, there is no substitute for transferring the design into an Integrated Development Environment (IDE) and reproducing the design with HTML, Cascading Style Sheets (CSS), and Javascript. Illustrator and Photoshop “comps” were recreated in Aptana Studio, the IDE application used to design and build the GDHit interface.

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  • One finds that there is a positive correlation between a country’s level of development and insurance coverage. Developed countries tend to have better developed and well- functioning insurance services sectors both domestically and in terms of insurance exports, as compared to developing countries. This is perhaps most evident when one compares the share of industrialized countries in the world insurance markets, which in 2004 stood at 88.5 per cent as compared with 11.4 per cent for emerging markets, the majority of which are developing countries.

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