Discussion question:
Q1. Experience vs. community rating...What's the difference?
Q2. What populations or types of people pay more under experience rating?
Q3. Does experience rating create any incentives for individuals to act in a certain way?
Q4. What population or types of people pay more under community rating?
Q5. Does community rating provide incentives for individuals to act in a certain way? Want Online Help?
Q6. Which rating system seems preferable to you? What trade-offs are most important to you? Should the focus be on the good of the individual or the good of the community? Are these mutually exclusive concerns?