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Health status disclosure in Employment based Health Insurance

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  • Health status disclosure in Employment based Health Insurance

    Hi,
    Do you if an employee disclose her medical history to the insurance company what are the personal adverse consequences of that act to the employee? I know that this information is mostly used in the rate setting of small firms (<50), what is the other use of this information? How would you expect selection to happen if employee can choose are plan that require disclosure and the plan that do not?

    Thank you.
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