People whose job, income, or home changes
People who change or lose jobs, start businesses, retire early, cut hours, or have incomes that rise and fall, and so move between coverage types.
Under your mix of paths
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Problems that hurt them
Paths that fix these help them.
- People lose coverage when their life changes (churn): They lose coverage when income, job, or address changes.
- Job lock: people stay in jobs to keep insurance: Would-be founders, early retirees, and caregivers stay in jobs to keep insurance.
Problems they gain from
Paths that fix these cost them.
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