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National Health Policy Forum Insurance 101: The Fundamentals of Private Health Insurance
National Health Policy Forum

An Electronic Briefing Book

Tab 4
Key Concepts for Understanding How Insurance Works

"Fundamentals of Underwriting in the Nongroup Health Insurance Market: Access to Coverage and Options for Reform"
Mark Merlis, National Health Policy Forum, Background Paper, April 13, 2005; available at www.nhpf.org/pdfs_bp/BP_Underwriting_04-13-05.pdf

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