Debra J. Saunders

Foster, however, believes an average premium of $240 per month would be required to cover costs -- a price tag that likely would drive away all but the chronically ill.

As Foster wrote, "In general, voluntary, unsubsidized and non-underwritten insurance programs such as CLASS face a significant risk of failure as the result of adverse selection by participants." Foster sees "a very serious risk" that the CLASS Act will become "unsustainable."

Some call it a "death spiral" -- higher premiums chase away healthy consumers and remaining customers drive prices ever upward.

CLASS could be the next new unsolvable headache my generation passes on to the next.

Debra J. Saunders

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