The Practice and Ethics of Risk-Rated Health Insurance (original) (raw)

The article critiques the practice of risk rating in American health insurance, which sets premiums based on individual health risk factors. It highlights the negative consequences of such practices, including the growing number of uncovered medical conditions and unpaid medical bills. By examining the moral implications and ethical concerns associated with risk rating, the article seeks to stimulate debate on these issues and advocate for broader discussions surrounding the reform of health insurance policies.