This research was funded by a grant from the Robert Wood Johnson Foundation, under its Changes in Health Care Financing and Organization program. Participating in this research were Elliot Wicks, Ph.D., and Janice Lawlor, M.P.H. Although the analysis and conclusions are solely my own and do not necessarily reï¬ect the views of the foundation or these colleagues, I am deeply indebted to their support and assistance, which made this work possible. 1. Many of Empireâs ï¬nancial troubles are now seen as having been caused by mismanagement, and most of its losses were from its large group, experience-rated block. For a full history, see Best 1998. Journal of Health Politics, Policy and Law, Vol. 25, No. 1, February 2000. Copyright Â© 2000 by Duke University Press. Journal of Health Politics, Policy and Law and guaranteed-issue individual coverage in other parts of the state, as did a number of HMOs. Although these other plans were not experiencing the same difï¬culties as Empire, they too were eager to require commercial insurers to offer coverage on the same terms as they were, to prevent the serious adverse selection that results when there is only one âinsurer of last resortâ in the market.
Journal of Health Politics, Policy and Law – Duke University Press
Published: Feb 1, 2000
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