Congress has seen a renewed interest in the market for private health insurance since the passage of the Patient Protection and Affordable Care Act (ACA). This book provides an overview of private-sector (as opposed to government-provided) health insurance. It serves as an introduction to health insurance from the point of view of many consumers under the age of 65. Furthermore, the book provides background information about modifying or building on the current health insurance system; discusses how understanding the potential impact of such proposals requires a working knowledge of how health insurance is provided, purchased, and regulated; and describes various ACA provisions that affect the private insurance market.
This text is designed to use in an undergraduate or MBA level course in insurance and risk management. As an introduction to the subject, it is intended for students who have little or no prior education in insurance. The text is consumer-oriented with an emphasis on the insurance product.
Are extreme weather events becoming more common? How do extreme weather events impact society? These are critical questions that must be examined as we confront the possibility that the world will experience a change in climate over the next century. Much of the research in climatology over the past decade has focused on potential changes in long- term averages of temperature, precipitation and other factors. However, it is becoming increasingly clear that changes in average values will be accompanied by changes in extreme events. Furthermore, extreme weather events will impact society to a greater extent as people around the world continue to locate in more hazard-prone areas such as coastal zones. This book represents a major step forwards in developing a comprehensive set of information about changes in extreme events by providing a review of the problems in data availability, quality and analysis that make deriving a clear picture of world-wide changes in extreme events so difficult. Audience: The book is intended for policy-makers, professionals, graduate students and others interested in learning how extreme weather events have changed, and how they impact society both now and in the future.
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