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Financing and Structuring Health Care

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Financing and Structuring Health Care 1

Financing and Structuring Health Care
Lisa Martin Strayer University Professor Tataw July 18, 2011

Financing and Structuring Health Care 2

1. Indentify and describe the three main types of health insurances in the U.S. The main 3

types are the commercial health insurance industry, Blue cross and Blue shield plans and

Health Maintenance Organizations. With the commercial health insurance industry there

are two distinctions, which are between mutual and stock insurers. Mutual insurance

companies, are essentially owned by their policyholders, in contrast to stock insurance

companies, which are owned in the more traditional corporate fashion by stockholders.

Commercial health insurance companies are either “multiline” carriers or “single –line”

insurers. The multiline insurers offer other insurance products like life, auto,

homeowners, worker’s compensation, business liability and some offer renters insurance

as well. There are some multi-line insurers that also offer a range of financial services,

like pension and investment areas. The single-line health insurers offer health insurance

and related employee benefits like disability insurance. Which with the single line, are

more affected by the economy and the number of people that is employed. For example,

the disability insurance company that I have through the hospital I work for has increased

by 43% which leads to an increase per pay of 8.00. to some that may not seem like a lot,

but, the coverage is not...

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