Dividing Americans into multiple risk pools increases health care costs. And it limits the ability to debate an insurance system almost nobody understands.

Elizabeth Rivelli has nearly five years of experience covering insurance for finance publications. She has expertise in various insurance lines, including car insurance, health insurance, travel ...

Health insurance helps to reduce medical costs, making health care more affordable and thus more accessible. Having health insurance also facilitates access to care, resulting in lower death rates and ...

Why do we allow insurance pools, especially in health insurance? Obviously it is a moneymaker for the insurance company, but it appears unique to the insurance industry. My neighbors and I don't pay ...