Small Business Makes a Risky Bet on Health Care

Small Business Makes a Risky Bet on Health Care

Photograph by Getty Images SouthCoast Medical Group had long provided health insurance to its employees the conventional way, paying premiums to an insurance company that covered medical claims. Then in January 2011 the 65-doctor practice with offices in and around Savannah, Ga., opted to take on more of the risk itself. SouthCoast thought it could save […]

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Regulators Eye a Maneuver Meant to Cut Health-Care Costs

Regulators Eye a Maneuver Meant to Cut Health-Care Costs

Photograph by Joe Raedle/Getty Images Insurance markets can be unraveled by adverse selection: If people who need insurance less don’t pay into the risk pool, that raises the costs for everyone left. That’s why the health-reform law has mandates for both individuals and employers with 50 or more employees: Everybody pays in to make insurance […]

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