Car insurance uses a rate structure based on the policyholder

 Car insurance uses a rate structure based on the policyholder’s claim record and other personal factors, such as age and occupation. In most states, health insurance (unlike car insurance) is prohibited by law from using the policyholder’s claim record and personal factors to determine individual rates. What are a few examples of how state health insurance laws will affect a policyholder’s behavior? You may discuss the concept of moral hazard with your answer. 

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