So the pool is accepting the healthy patients and pushing the unhealthy to traditional insurance...otherwise known as adverse selection. ACA individual policies cost so much because those people are all high utilizers.
If you work for a really large employer they likely self-insure so the premium you pay is based on historical claims experience of the company's demographic.
If your employer has a fully insured policy, insurance company takes the risk, then the insurer must spend 80 cents of every premium...
He also posted this a couple of hours ago
"After investigation it turns out that the stake washer that locks the stake nut on the prop shaft failed. 40 hours of flying time ago I reassembled that using unused tabs on the washer and it had no play. I'm guessing it was just a poor design and as I...
More robust? My brother ran the NYS courthouse in Lower Manhattan when they first installed airport metal detectors, they used the same setting mandated at the time by the FAA. When they started testing they had to increase the sensitivity because they could bring knives and some guns through...
Same thing happened to me a couple of years ago at MSP. The rules change at their whim, if they get really backed up they start waiving things like taking off your shoes, taking out your laptop, etc...just reinforces that this is all theater.
As a fairly new member (just under 1 year in my current club) one of the things I found investigating 3 different clubs is that there are members in clubs who don't fly anymore yet still pay monthly dues much like the pilot owners who don't fly their plane yet continue to pay for tie...