Term
-rising health-care expenditures
-large number of uninsured in the population
-uneven quality of medical care
-considerable waste and inefficiency |
|
Definition
| health-care problems in the u.s. |
|
|
Term
| more than 9 out of 10 people today under age 65 with private health insurance are covered under |
|
Definition
| group health insurance plans |
|
|
Term
| are also important in providing financial security to individuals and families who are not part of any group |
|
Definition
| individual health insurance coverages |
|
|
Term
| many workers are laid off, fired, or retire early; many unemployed workers are between jobs; college students reach a limiting age under their parents' group health insurance and must obtain their own coverage; a high percentage of people under the age of 65 are not in the paid labor force |
|
Definition
| reasons ppl may need individual health insurance |
|
|
Term
| in most states, individual health insurance premiums are based on |
|
Definition
| age and medical underwriting |
|
|
Term
| a few states have what kind of laws that require insurers to sell health insurance policies without regard to the applicant's health; premiums are significantly higher in these states |
|
Definition
|
|
