H

  • Hackers, 74

  • Hail, homeowners insurance and, 490

  • “Hard” insurance market, 7576

  • Hazards, 191. See also Moral hazard

    • attitudinal, 5, 191, 194

    • definition of, 5

    • extraordinary, and exclusions, 191

    • legal, 5

    • morale, 5, 191, 194

    • physical, 5

  • HCC Insurance, 77

  • HDHP (high-deductible health plan), 339342

  • Health, poor, as personal risk, 89

  • Healthcare costs, 89

  • Healthcare expenditures (U.S.)

    • administrative costs and, 302

    • comparison with foreign countries, 300301

    • cost shiftng by Medicare and Medicaid and, 302303

    • defensive medicine and, 303

    • employer-sponsored health insurance and302

    • fee-for-service defects and, 302

    • lack of cost/benefit data and, 302

    • projections for, 300

    • rise in, 300303

    • rising prices and, 303

    • state-mandated benefits and, 302

    • technology ...

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