Please answer the following questions throughly:

1.Do regional variations in surgeries mean that some physicians overtreat and other undertreat? Do these differences indicate inappropriate and unnecessary care?

2.What is the difference between experience rating and community rating in insurance underwriting? What difference does the choice between the two methods of rating affect the availability of health insurance?

3.Barry met with his companys benefit manager to sign up for the health insurance provided through his employer. He had worked for the firm for over 2 years, but was one of many who chose not to take the offer to participate in the plan, because he considered his share of the premiums too expensive. In the intervening interview the subject turned to pre-existing conditions. Yes, Barrys wife was eight months pregnant. Yes, he wanted insurance to cover the expenses of the impending childbirth (expected to cost $10,000). Barry was incredulous when he found out that there was a 90 day waiting period before any preexisting condition could be covered. Well, something is really wrong with this country if you cant even buy insurance when you need it.

a)Is Barry justified in his criticism?

b)What is the purpose of insurance? Is Barry looking for insurance in this instance? What is he looking for?

c)Why doesnt insurance cover preexisting conditions?

d)Please by using the appropriate terminology explain how the ACA deals with pre-existing conditions? Will it work?