George Mason University, Fairfax, VA 22124, USA.
J Aging Soc Policy. 2012;24(2):152-68. doi: 10.1080/08959420.2012.659146.
The Community Living Assistance Services and Supports (CLASS) Act was a voluntary public insurance strategy intended to help people pay for long-term care. CLASS was passed as part of health reform to overcome aspects of private long-term care insurance market failure but came under close scrutiny from both its supporters and its detractors. Experience with the long-term care insurance market and State Partnership Programs provide insights about how to make CLASS fiscally viable. A CLASS program that offered one set of options to cover front-end risk (e.g., 1 to 3 years) and another set to cover catastrophic risk (after a high deductible) could have been offered as an alternative to the basic CLASS "long and lean" benefit model with all enrollees joined into a single risk pool. This would have broadened the risk pool and lowered premium costs under the program.
社区生活援助服务和支持（CLASS）法案是一项旨在帮助人们支付长期护理费用的自愿公共保险策略。CLASS 作为医疗改革的一部分获得通过，以克服私人长期护理保险市场失灵的某些方面，但受到其支持者和批评者的密切审查。长期护理保险市场和州伙伴关系计划的经验为 CLASS 在财务上的可行性提供了一些见解。CLASS 计划可以提供一套覆盖前端风险（例如 1 至 3 年）的选项，以及另一套覆盖灾难性风险（高免赔额后）的选项，可以作为基本 CLASS“长而精瘦”福利模式的替代方案，将所有参保人纳入一个单一的风险池。这将扩大风险池并降低计划下的保费成本。
