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Author Pauly, Mark V., 1941-

Title Health reform without side effects : making markets work for individual health insurance / Mark V. Pauly
Published Stanford, Calif. : Hoover Institution Press, 2010
Online access available from:
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Description 1 online resource (110 pages)
Series Hoover Institution Press publication ; no. 580
Hoover Institution Press publication ; no. 580
Contents Introduction -- Problem definition -- The lay of the land: how many people have what problems? -- Can individual insurance help? -- Coverage for high risks -- Community rating: the worst possible way to do a good thing -- What's wrong with individual insurance? -- What is good about the individual market? -- How not to critique the individual health insurance market -- Lowering administrative costs -- Buying groups and exchanges: how many chihuahuas equal a great dane? -- Regulation and pricing without exchanges -- Insurance company economics, sharp practices, premiums, and exclusions -- Subsidies -- What to hope for and what to expect -- Offering the right product -- The ideal and the feasible: compromises and mixes -- Conclusion
Summary "In Health reform without side effects, Mark V. Pauly offers a detailed look at the individual insurance market in the United States. He explains how it works, suggests approaches to improvement that build on what currently works well, and provides a realistic assessment of how much improvement we can demand and expect. Pauly concludes that, although there are some serious deficiencies in today's individual insurance market, the current criticisms are overly harsh, often based on anecdote and speculation rather than fact, and ignorant of some important advantages in this market that should be preserved. He suggests approaches to change that take into account current strengths of the individual market and can yield much higher net benefits with much greater confidence"--Website
Bibliography Includes bibliographical references and index
Notes Online resource; title from resource home page (Hoover Institution Press, viewed June 14, 2010)
Subject Health care reform -- United States.
Health insurance -- Self-insurance -- United States.
Health insurance -- United States.
Economics, Medical.
Health Care Reform -- economics.
Health Policy -- economics.
Insurance, Health -- economics.
United States.
Form Electronic book
ISBN 0817910433 (electronic bk.)
0817910468 (electronic bk.)
0817910484 (electronic bk.)
9780817910433 (electronic bk.)
9780817910464 (electronic bk.)
9780817910488 (electronic bk.)