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At the moment, however, laws in many states make it difficult for physicians to contract directly with patients; such an arrangement is sometimes viewed as a form of insurance, subject to regulation because states view it less as a doctor practice than as a prepaid health plan.
Optimal actuarially fair coverage of insurance subject to default risk can be less or more than full, depending upon the relation between the recovery rate under default and a positive trigger level that is independent of the insured's risk preference.
Virginia also has in place a statute3 that requires every insurer, health services plan and health maintenance organization (HMO) that underwrites more than $500,000 of accident and sickness insurance subject to the mandate, to segregate and report to the State Corporation Commissioner the yearly cost and utilization information for each of the mandates currently in effect.
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Compared to insured subjects, those without insurance were more likely to forego healthcare (adjusted OR = 2.03, 95% CI = 1.28 3.21).
Travel insurance is subject to normal terms of acceptance.
Major versions of the legislation all rely heavily on a continuation of private health plans, offered by employers and by insurance companies, subject to sweeping new federal regulations.
Podesta, who was then staff secretary but went on to become Clinton's chief of staff, wrote a covering note telling the president that all his senior advisers backed the plan, although he noted the danger that "allowing banks to engage in riskier activities like securities or insurance could subject the deposit insurance fund to added risk".
Luckily for the bad eggs, life insurance is subject to balkanized state regulations, which are often lax.
Whether or not tankers are attacked and sunk, all ship insurance is subject to war exclusion clauses.
Coverage by statutory health insurance is subject to the prior authorization (entente préalable) of the physicians advising the health insurance funds, after examination of the patient's case history and a possible interviewing of the patient.
The Medical Ethics Committee Erasmus MC has given dispensation from the statutory obligation to provide insurance for subjects participating in medical research (article 7, subsection 6 of the WMO and Medical Research Human Subjects Compulsory Insurance Decreeee of 23 June 2003).
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com