HKS Affiliated Authors

Additional Authors:

  • Richard Frank


Health Insurance Exchanges - Making the Markets Work. Richard Frank, Richard Zeckhauser, September 17, 2009, Article. "Americans purchase health insurance in various ways. Some buy individual policies. For them, medical underwriting is common, and preexisting conditions can preclude, limit, or dramatically increase the cost of coverage. Many buy insurance through small employers, which typically offer little or no choice of plan. Their premiums tend to be higher than those of consumers purchasing through large employers, which can bargain effectively on prices. Large employers usually offer a modest selection of high-quality..." Link