HSM541 Private Insurance Discussions

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HSM541 Private Insurance Discussions
Let’s consider the general concept of insurance. How does health insurance differ from other kinds…

 

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HSM541 Private Insurance Discussions

HSM541 Private Insurance Discussions

Week 3 All Students Posts 27 Pages 

Let’s consider the general concept of insurance. How does health insurance differ from other kinds of insurance? What are the similarities and differences between them?  Next, let’s consider some of the issues that employers face in providing health insurance to their employees. Why has the cost of employer-sponsored health plans increased significantly over the last 5 years?

We buy insurance from an insurance company to protect against individual loss. But  how does the insurance company protect itself against loss? Why Reinsurance of course:-) What is reinsurance?  What is self-insurance and how does stop-loss insurance coverage apply? Should health care be more of a “right”? Why do many folks think that health insurance should be more of a “right”?  What might be an argument based on this section that healthcare is a right under the Constitution?…