When examining the health policies advocated by Democrats and Republicans--and their respective presidential candidates--it's clear that the two parties have two very different philosophies about how to pool risk in health insurance, according to a blog post from Health Affairs. Democrats favor broad-based pooling of risk across healthy and sick populations, while Republicans seek more individual responsibility and are willing to accept much greater segmentation of risk that place higher cost burdens on sicker individuals, write the Urban Institute's Linda Blumberg and John Holahan. The latter approach to risk pooling, they argue, "would in fact reduce access relative to current law." Post