...companies to offer lower cost, bare bones health insurance policies to small firms (see app. III). In response, insurers in most of those states have...excluding previously mandated benefits, these plans also often incorporate higher cost sharing and preexisting-condition clauses. The number of additional...

...— and now permit insurance companies to offer lower-cost "bare bones" health insurance policies to small firms. In response, insurers in most of those states have offered plans to the small group market with premiums up to 40 percent lower than existing small group policies. In addition...

...its"-and now permit insurance companies to offer lower-cost "bare bones" health insurance policies to small firms. In response, insurers in most of those states have offered plans to the small group market with premiums up to 40 percent lower than existing small group policies. In addition...

...now permit insurance companies to offer lower-cost "bare bones" health insurance policies to smail firms. In response, insurers in most of those states have offered plans to the small group market with premiums up to 40 percent lower than existing small group policies. In addition...