Word: high-risk
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Industry actuaries say the problem is simple: Florida's insurance rates, high as they may be, are not high enough for a state with an estimated 25% of America's high-risk property. Reinsurance rates are soaring, and private insurers like State Farm and Allstate have scaled back in Florida, forcing an additional 500,000 customers into the state pool. "For some areas in Florida, insurance companies could not obtain reinsurance at any price," Insurance Commissioner Kevin McCarty recently told Congress. And last year, Republican Governor Charlie Crist pushed through reforms to decrease premiums, a politically popular move that will...
...Since Hurricane Andrew put most Florida insurers out of business and scared several national insurers out of the state, the state government has helped to hedge the risk of hurricanes. It provides subsidized insurance to 1.3 million high-risk homeowners who can't get private policies, an increase of more than 50% in just three years. It also has a Hurricane Catastrophe Fund that provides subsidized reinsurance to the state's private firms...
...flat-footed again when Hurricane Andrew overwhelms southern Florida in 1992, leaving 160,000 people homeless and probably costing Bush the next election. SUCCESS FAILURE Bill Clinton 1993-2001 AID ABOUNDS New FEMA Director James Lee Witt makes the agency more proactive. Project Impact, designed to target and equip high-risk areas, doles out funds in flood-prone regions and earthquake zones. The agency earns kudos for its prompt response to Midwestern floods that cause $15 billion in damage in 1993, although detractors call FEMA bloated and too ready to give handouts. SUCCESS FAILURE George W. Bush...
...prohibited outright; in the Islamic Republic of Mauritania in Africa, for example, gay sex is cause for execution, which drives many men underground and increases their likelihood of engaging in risky sex. Robert Gray, regional representative of Population Services International (PSI) Asia, an international NGO, predicts that this high-risk group will become a major driving force of the HIV/AIDS epidemic in Asia, Eastern Europe and other places over the next decade...
Many men who don't consider themselves gay also, predictably, do not consider themselves to be participating in high-risk behavior. But even among openly gay men who know they are carriers of HIV, there is increasing carelessness. In a recent U.S. study, Dr. Kenneth Mayer, an infectious-diseases expert at the Miriam Hospital and professor of medicine at the Warren Alpert Medical School of Brown University, found that nearly half (45%) of the 201 HIV-positive men surveyed were high-risk transmitters: among them, the most likely to transmit HIV to partners were young men who drank heavily (more...