Because of government regulation, no insurer in our health care system wants a sick person. No employer. No commercial insurer in the (Obamacare) marketplace. No Medicaid managed care plan. And no safety net institution. The exception is the Medicare Advantage program, where risk adjustment makes the healthy and the sick equally attractive from a financial point of view. Unique in our health care system, MA plans specialize in such chronic conditions as diabetes, heart disease, cancer, etc. These MA plans actually seek to enroll patients that conventional health insurance would like to avoid. More.
