Rochester's Rally Around `Pure Community Rating'

The commentary "Keeping the health plan from kicking the bucket" by Mike McNamee (Top of the News, Aug. 29) asserts that "pure community rating," where all insured pay the same premium for the same coverage, is unfair to younger workers and drives them out of the market. In fact, we know from experience in greater Rochester that this is not the case. Pure community rating has kept everyone's eye on the real issues of community capacity and community need rather than encouraging everyone to try to maximize their benefit at the expense of others. Not only are our premiums two-thirds of the national average, but our rate of uninsured is half or less than half the national average. Other communities and the nation would do well to emulate this model.

Rene H. Reixach

Executive Director

Finger Lakes Health Systems Agency

Rochester, N.Y.