Old Hat (horse) of Flowers, and Venture were also competing. Among this company, she was voted Champion Female Handicap Horse by the Thoroughbred Racing Association in 1964, although the rival "Daily Racing Form" chose the three-year-old Tosmah. Old Hat won both awards in her best season, 1965, when she was six years old. Old Hat raced for six years, starting in 80 races. She won 35 times, placed 18 times, and came in third 9 times. All in all, she was in the money 62 times. Old Hat (horse) Old Hat (foaled in Kentucky in 1959), was an American Thoroughbred racing mare by
Risk equalization their premiums. In practice, the sponsor often encounters difficulties to find adequate measures of the S-type risk factors (such as health status) to include in the risk equalization model. The concept was put in the US healthcare law, passed in 2010, the Patient Protection and Affordable Care Act. To achieve its aims, state and federal regulators must construct an effective system of risk adjustment or risk equalization that protects health insurers that attract a disproportionate share of patients with poor health risks and punishes those that cherry pick lower risk groups. Risk equalization Risk equalization is a way of equalizing