The coronavirus pandemic is upending the U.S. health coverage market in unexpected ways, forcing some insurers to issue refunds to customers this year and complicating the models they use to set the prices for next year’s premiums and copays. “It’s a difficult process... and from a financial perspective what I’ve said to my board is we have to look at 2020 and 2021 as one fiscal year,†said Michael Carson, president and CEO of Harvard Pilgrim Health Care, a New England-based not-for-profit health insurer.
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