Unfair Discrimination For An Insurer

• Indirect discrimination: when you have a rule or policy that applies to everyone but disadvantages a person with a protected characteristic.

Throughout the past decade restrictions on eligibility for taxpayer-subsidized medical care has risen at both the state and national level. Some of these restrictions are based on laws and reform acts that have been

discrimination based on race, color, religion, sex, or national origin. So, employment discrimination includes age discrimination, sex discrimination, religious discrimination, racial discrimination and more.

insurance, younger healthier people, who are less risky to insure but pay the same premiums

The Patient Protection and Affordable Care Act establishes new requirements for health plans and insurers changed in order to expand access to affordable coverage, and prevent individuals from losing certain coverage. New coverage insurance market regulations will prevent health insurers from denying coverage to people for any reason, in which their health status, and charging people more based on their health status and gender. These new rules will also require that all new health plans provide extensive coverage that include at least a minimal set of services, caps annual out‐of‐pocket spending that does not impose cost‐sharing for preventive services, as well as no impose annual or lifetime limits on coverage. For example, new insurance market regulations within private insurances allow young adults are able to stay in their parents health insurance up to the age 26. Once an employee has reached age 26 they have to upgrade from their parents insurance plan to defendant coverage plan eliminating annual and lifetime limits on coverage such as rescissions and waiting periods within 90 days. Health insurers will be prohibiting from placing an age limit to their coverage in case of fraud. Large employer that offer coverage plans will have to automatically places employs in to a low cost premium plan if the employ sign up or exit out of coverage. Overall health plan premiums will be able to vary based on an age, geographic area tobacco

Small employers with employees of heterogeneous income levels will have strong incentives to offer coverage that is either “unaffordable” or fails to provide “minimum value” in order to preserve availability of government subsidies for their low-income

The tax collected would instrumental in ensuring that insurance is available to all. The dependent coverage will now include citizen between births to age twenty six. A reinsurance program will be adopted to cover early retirees. Insurers are under this title expected to provide coverage regardless of the genetic information, medical condition, domestic violence, or other health-related causes. Americans who have incomes between 100 and 400 percent of the Federal poverty line (FPL), will access tax credits of about $ 88,000 allocated to a family of four members.

For the first time in history, insurance companies will no longer be allowed to simply tell a person “no”. They will be required to offer coverage and accommodate regardless of a person’s health status, and they will not be able to jack up rates or drop any one from coverage when the main person in the insurance packet gets sick.

Yes, I think adverse selection is related to death spirals in the health care insurance industry. The premiums for health insurance is a growing problem heathy people and sick people must face. The problem congress and law makers have to tackle is which group of people is more important and how can they come up with a law that benefit both the tax payer and the insured. Adverse selection is contributor to death spirals, most people are unaware they are paying for someone else medical expenses. The insurance company will lose millions of dollars if they only cover people who needs medical insurance, I cannot imagine how much a liver transplant cost and the added medical expenses that comes alone with it. If an insurance company had to cover

The term "discriminate" means to distinguish, or to offer different treatment people on the bases of color, race, national origin, sex or religion. This relevant statute makes it an unlawful for a covered employer "to fail or refuse to hire or to discharge any individual, or otherwise to discriminate against any individual with respect to his compensation, terms, conditions, or privileges of employment" based on race, color, sex, religion, or national origin. (42 U.S.C. §2000e-2(a)(1)). Hence, Ford Motor company can in no way discriminate against employees based on race which is numbered in the five categories of prohibition.

As I mentioned above the focus is on increasing insurance rates on males based on their age, gender, and marital status. Insurance companies like to increase insurance for males for the reasons above. Instead of making it equal access for everyone and starting off with a flat, basic rate that would go up based on speeding tickets and accident claims.

From a social and professional standpoint, customers, employees, and people in general are treated as human beings, with respect, honesty, integrity, care, and compassion. Racism and sexism are not really an issue nor do they have a place within the current working environment. There are currently 2 other employees, the future of the agency entails hiring more producers and at least six marketers. Envisioning the agency from a professional standpoint is really similar to viewing those perspectives personally, everyone should be capable to voicing their opinions and as the agency’s owner, practical applications and systems will ensure communications remain professional and with an open mind. Inevitably, there will always be situations arise where the blood is

Insurance reforms require guarantee issue and renewability of policies regardless of health status; also banned, are pre-existing condition exclusions. Insurance companies are now not legally able to charge higher premiums based on gender, health status, or occupation.

In the world there are many unfair rules and policies that really bug me. One is the way in which teenagers have to pay for higher priced auto insurance. Sometimes young teenagers have to pay up to three times more than an average forty-year-old adult. Even if the teenager is the very careful when they drive they are still seemed to be portrayed as bad drivers. I think that everyone should have to pay the same price of health insurance, because at the end of the day they cover the same stuff. Also is a teen gets into many accidents they will still have to pay deductibles which will teach them a lesson to be more careful.

Also, another political factor that applies to State Farm is McGarran-Furguson act. This act falls under the antitrust law category. State Farm is well aware of this act by stating that “the McCarran-Ferguson Act provides that the federal antitrust laws are applicable to the business of insurance in instances where the "business of insurance" is not otherwise regulated by state law” (State Farm, 2015) This act provides every driver the protection of being taken