Risk equalization
（重定向自Risk equalisation）
Risk equalization is a way of equalizing the risk profiles of insurance members in order to avoid loading premiums on the insured to some predetermined extent.
In health insurance it enables private health insurance to operate in some countries to be offered at a common rate for all-comers even though insurers are not allowed by law to reject clients or impose special conditions for their health insurance. This is achieved by transfer payments through a risk equalization pool usually run by a neutral party such as a government agency.