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Buying your own health insurance, as opposed to an employer providing coverage, involves complex decision making by consumers in an unfriendly insurance marketplace. Many insurers avoid writing policies for individuals, or devise strategies that limit the insurer’s risk and the consumer’s ability to qualify. In the individual market, there are no teammates to help spread the risk of paying for care, and people who need coverage often have expensive health conditions. Consumers Union favors broad pooling of risks that allows the healthy and sick to share the burden of the costs of health care. |
