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How Can the Senate Health Care Bill Disrupt the Insurance Market?

It’s a confusing time right now … here are a few thoughts on the health care bill before the Senate.

If the Senate does away with the Individual Mandate, then they need to come up with a way to keep healthy people from exiting the market.

One strategy they came up with (and I agree)  is the continuous coverage clause. This will allow insurance carriers to charge a 30% surcharge for those who don’t maintain continuous coverage. Otherwise, if you take away the Individual Mandate and don’t make consumers maintain continuous coverage,  it would put the individual market in a death spiral. Healthy people would exit the market, leaving only the people with health problems in the individual  market — and then costs increase significantly.

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Van Beurden Author