In JRW Healthcare Article, managed care expert witness Jon R. Wampler writes:
Fourth, we need to create a national risk pool for the insurance industry. Right now insurance companies do as much as they possibly can to minimize risk and control just who they insure. Financial incentives demand that health insurance companies behave just like auto insurance companies: find good risks with no pre-existing conditions and attempt to mediate that risk. By establishing a national risk pool (the FDIC would be an example to follow) we could make the following demands from the healthcare industry; guarantee issue to anyone, make health insurance portable (job to job, state to state), eliminate life-time limits and life-time maximums, and eliminate pre-existing conditions. By this simple step we create an industry where all patients can be managed by the law of large numbers.