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Before the ACA, individual insurance plans often limited the benefits they offered, imposed annual and lifetime spending caps and increased out-of-pocket costs for policyholders in order to keep premiums and claims low.
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Premiums are the amount of money the insurer needs to collect from the policyholder in order to cover the expected losses, expenses, and a provision for profit.
Already life assurers have been hurting policyholders, shareholders, or both, in order to strengthen their capitalisation.
We encourage you to maintain that policy and reject this proposal in order to protect policyholders both in Texas and across our nation.
In order to secure the policyholders against losses due to earthquakes that are common natural calamities in Taiwan, the government launched a residential earthquake insurance system several years ago.
"Our No. 1 priority at the present time," Mr. Lindgren said, "is to recover from Sholam Weiss the hundreds of millions of dollars of ill-gotten gains in order to return them to the policyholders".
The company even raised the proportion of policyholders needed to vote in favour of demutualisation to three-quarters in order to deter carpetbaggers.
A hard sell All men are created unequal ReprintsOne reason why traditional farm insurance is costly is that, since payouts are linked to the policyholder's individual losses, insurers have to check on clients' personal circumstances in order to price the risk, and then verify any claims farmers make.
With right-wing pressure groups, including the Koch brothers' political network, egging him on, Trump is mulling whether to withhold the payments that the federal government makes to insurers in order to reduce the out-of-pocket costs that low-income policyholders face.
This legislation will expire at the end of 2005 and must be extended in order to avoid the chaos we saw in late 2001 and 2002, when commercial policyholders did not have the appropriate insurance coverage in place.
In order to test these various hypotheses, we analyzed recent data from a large sample of policyholders of the "Mutuelle Générale de l'Éducation Nationale" (MGEN).
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