Objective Health Insurance

Policymakers have been focused on ensuring that everyone has access to low cost health insurance without considering the cost. While access to coverage is important, that coverage must be affordable or no one will buy it. Rising premiums force the young and healthy (and therefore especially price-sensitive) adults who form the backbone of every healthy medical-coverage market - to drop their coverage and stay uninsured. The insurance industry estimates that about 5 million of these young, healthy Americans choose not to spend their limited resources on increasingly expensive health coverage. All of this furthers the need for low cost health insurance plans for all.

The Goal Is Low Cost Health Insurance
Attempts by the states in the United States to make health insurance available for all has led to increased premium costs and moved away from the goal of low cost health insurance. In their attempt to do right the result of many of these well-intentioned but
ill-informed laws has been that within a few short years, health insurance in many instances is neither affordable nor accessible for anyone but the wealthy. What should be done to make low cost health insurance available for all? States have a number of targeted reforms at their disposal that can increase access to low cost health insurance coverage without fundamentally
restructuring the health care system, imposing significant new costs or creating new distortions in the health insurance market.

Different Methods For Attaining Low Cost Health Insurance
High-Risk Pools - High-risk pools provide low cost health insurance coverage
to those who are medically uninsurable, often the chronically ill. About 1 million
Americans fall into this category of the uninsured. While 34 states have passed high-risk pool
legislation, some don't work as well as others. Risk pool members provide most of the funding for the program, but states also assess insurers and sometimes rely on special taxes or general-purpose revenues. But this is a broad social problem that most states can and should do more to address, and so can the federal government. Since 2002 Congress has provided state high-risk pools with millions of dollars in operational and start grants to offset some of the cost of providing low cost health insurance coverage.