A Report on the Actuarial, Marketing, and Legal Analyses of the CLASS Program. Summary on Plan Design

10/14/2011

Having a competitive CLASS plan also creates an incentive for private insurance to work side-by-side, rather than directly compete, with the CLASS Program. Co-marketing with insurers (discussed below in Marketing Considerations section) should reach more workers and provide a better spread of risk.

The proposed plans provide a potential array of choices to achieve the goals set forth in the statute: “balance price and benefits while optimizing the probability of long-term sustainability of the Program”31. As will be covered in the following section, besides adverse section, other issues need to be addressed such that the proposed plans are competitive and relatively free from moral hazard.

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