Car insurance:
· Claims occurrences and severity are predictable (outside the occasional hurricane).
· Claims data is readily available and useful.
· Claims data is shared between insurers.
· […]

Here’s a comparison between HMO and PPO type health insurance plans:
Health Maintenance Organizations (HMOs)

Usually have the lowest premiums and lower annual deductibles. In return, you must submit to various cost-saving restrictions.
You must get care from providers in your HMO network. You can’t use a doctor from outside the network unless in some special case […]

Massachusetts is “experimenting” with mandatory health insurance, according to the Dr. Judy Ann Bigby, the commonwealth’s secretary of Health and Human Services. Under a new law that went into effect July 1, Massachusetts citizens are required to obtain health insurance or face a penalty. NPR has an interview with Dr. Bigby where she explains the […]