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Nickels • McHugh • McHugh
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Managing Risk Appendix Irwin/McGraw-Hill 2
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+ Managing Risk Pure Risk Potential for Loss Speculative Risk
RM-1 Potential for Loss Speculative Risk Potential for Loss Possibility for Gain + Irwin/McGraw-Hill 3
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Percentage of Employers that Self-Fund Employee Health Insurance
RM-2 percent percent percent percent percent Irwin/McGraw-Hill © The McGraw-Hill Companies, Inc., 1999
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Types of Uninsurable Risks
X RM-3 Operative Losses Expiration of Patents & Copyrights Strikes Changes in Law New Products Price Fluctuations Irwin/McGraw-Hill 5
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Public and Private Insurance Companies
Public Insurance Companies Private Insurance Companies RM-4 Unemployment Insurance Workers’ Compensation Insurance Social Security Others Stock Companies and Mutual Companies Property and Liability Insurance Health Insurance Life Insurance Irwin/McGraw-Hill 6
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Additional Public Insurance Companies
Federal Protection RM-5 OASDHI Medicare FDIC and FSLIC Federal Mortgage Insurance Freddie Mac Ginnie Mae National Flood Insurance Association Federal Crop Insurance Corporation Federal Crime Insurance Irwin/McGraw-Hill
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Projected Enrollments in HMOs
RM-6 Millions For All Types of HMO Projected Source: U.S. Dept of Health, Human Services 8
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