Viewpoints: CLASS decision ends fear of government bailout; the strengths and failing
 

The problem, as numerous experts warned at the time, was whether the program could be run, as the law required, in a way that made it financially solvent for at least 75 years. The difficulty with the CLASS Act was ensuring that premiums could be set low enough to attract widespread participation but high enough to pay tbenefits. The risk was that the program would attract the sickest participants, who thought they might need its protections, and thereby drive premium prices ever higher in a spiral of dysfunctionhe promised.

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