Wake Forest University, Winston- Salem, North Carolina, USA.
Health Aff (Millwood). 2010 Jun;29(6):1168-72. doi: 10.1377/hlthaff.2010.0430.
The Patient Protection and Affordable Care Act contains three different forms of reinsurance, covering individual insurers, small-group insurers, and employers that insure early retirees. Each reinsurance program has a distinctive structure that serves a unique purpose. Each also has predecessors in various forms of public reinsurance implemented previously by state and federal governments. This article explains the structure of and purpose for each reinsurance provision and why it should no longer be needed once reinsurance helps launch health reform safely.
《患者保护与平价医疗法案》包含三种不同形式的再保险，涵盖个人保险公司、小型团体保险公司以及为提前退休人员提供保险的雇主。每个再保险计划都有独特的结构，旨在实现独特的目的。每个计划也都有以前由州和联邦政府实施的各种形式的公共再保险的前身。本文解释了每个再保险条款的结构和目的，以及为什么一旦再保险有助于安全启动医疗改革，它就不再需要。
