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Why doesn't the payback rule always make shareholders better off?
Community Rating
A pricing strategy where health insurance premiums are not based on an individual’s health status or age but are the same for all members of a community.
Average Risk
The standard level of chance or probability that an individual will encounter a specific event or condition, used as a baseline in risk assessments.
Individual Premiums
Payments made periodically to an insurance company by individuals to maintain their policy and coverage.
Patient Protection
Measures, laws, and policies designed to safeguard patients' rights and well-being in healthcare settings.
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