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Risk Pool

OPINION
January 28, 2004
After thinking long and hard about the health-care system in America, I have come to the conclusion that we have a great health-care system, but receiving health care through work has to be eliminated. It distorts the labor market and causes individuals to work for certain companies because they offer a better health-care policy. Also, that companies are allowed not to pay anything makes no sense. The most logical solution is the enactment of a health surcharge based on consumption.
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BUSINESS
November 1, 1994 | THOMAS S. MULLIGAN, TIMES STAFF WRITER
Citing mounting earthquake exposure in some of the state's riskiest areas, the Automobile Club of Northern California announced Monday that it will stop writing new homeowners and earthquake insurance effective Friday. The company, formally known as the California State Automobile Assn., joins most of the state's other large property insurers in restricting the growth of their businesses out of fear of another Northridge-style quake.
CALIFORNIA | LOCAL
July 12, 1993 | MICHAEL J. LIEDER
I was recently rear-ended by an uninsured motorist. The accident made me think about this problem of uninsured drivers. It is solvable. Part of the solution has been proposed--making it mandatory to show proof of insurance in order to register a vehicle. But what about the possibility of someone canceling or letting the policy lapse after registration? Solution: Require that a minimum amount of liability insurance be paid up in full to the date the registration expires.
OPINION
November 2, 2003 | M. Gregg Bloche, M. Gregg Bloche teaches law and health policy at Georgetown and Johns Hopkins universities and is at work on a book about conflict between medicine's therapeutic and public purposes.
The U.S. system of workplace-based health insurance is at risk of coming apart. Employers are looking to shift more of their rising medical costs to workers, and despite soft labor markets, many employees are saying no. The fringe-benefit gurus who advise the largest companies didn't anticipate fierce worker resistance, just as they failed to foresee the late-1990s backlash against managed care.
BUSINESS
October 11, 2011 | David Lazarus
Gov. Jerry Brown has signed into law a bill requiring health insurers to include coverage for treatments associated with autism. When I read that Monday, my first thought was: Why aren't such treatments already covered? But my question was quickly answered by a statement from the California Assn. of Health Plans, an industry group, which warned that the new law will "drive up healthcare costs for families and businesses by nearly $850 million a year. " In other words, it's all about the money.
BUSINESS
November 18, 2013 | By Chad Terhune
California's health insurance exchange remained hesitant to embrace a controversial request from President Obama to extend canceled insurance policies for another year. The state exchange, called Covered California, said Monday that it won't decide until later this week whether 1 million policyholders with expiring policies can keep their coverage for 2014. Last week, Obama sought to quell a public and political backlash over cancellation notices nationwide by urging states and insurers to let people stay in their health plans beyond Dec. 31 even if those policies don't meet all the requirements of the Affordable Care Act. But the president's abrupt move has met resistance from some state officials supportive of the healthcare law and the insurance industry for fear that it will undermine the rollout of new government-run exchanges.
BUSINESS
December 7, 2008 | Lisa Girion, Girion is a Times staff writer.
If you lose your job, you should be able to maintain your health insurance coverage -- but it will cost you. The easiest and often the least expensive way to get health insurance if you are out of work is through a spouse. If your spouse has group benefits on the job, have him or her add you to that plan. Such group plans can't exclude people with preexisting conditions, and they are less expensive than other options because the employer is picking up the lion's share of the premium.
NEWS
July 1, 1990 | SIOK-HIAN TAY KELLEY, TIMES STAFF WRITER
The City Council voted last week to acquire insurance coverage through a 26-city insurance pool, terminating policies obtained through brokerage firms co-owned by Mayor Bob Kuhn and a business partner. With its 3-0 vote to place worker's compensation and property insurance coverage with the Independent Cities Risk Management Authority, the council reversed an earlier decision to seek bids from different brokers.
NEWS
August 30, 1989 | RICHARD C. PADDOCK, Times Staff Writer
Legislation that Assembly Speaker Willie Brown contends would provide affordable car insurance coverage for the poor as well as reduced rates for other drivers cleared its first Senate committee Tuesday. At the same time, the Senate Judiciary Committee removed from the bill a compromise no-fault provision that had been added in the Assembly in an effort to help secure passage.
CALIFORNIA | LOCAL
May 21, 1986
Territorial rating for the price of automobile insurance, a practice commonly known as redlining, creates undeniable hardships for drivers who live in neighborhoods that are considered high-risk areas. Wholesale reform is needed--not the piecemeal and flawed approach advocated in legislation sponsored by Assembly Speaker Willie Brown and due for Assembly action on Thursday.
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