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February 12, 2010

Health Reform without Side Effects: Making Markets Work for Individual Health Insurance

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Private health insurance in the United States protects most of the population against the risk of high medical care spending, but the extent of that protection has been declining for at least a decade. The reason for the decline appears to be no mystery: overall health insurance premiums for given coverage have been rising rapidly while consumer incomes have been near stagnant; consumers with little more to spend are increasingly reluctant to spend it on something with a rapidly growing price. But this simple story of prices growing relative to incomes is not quite right, and one piece of evidence arguing for a more nuanced approach is the well-known, widely varying susceptibility to this problem across the population.

For more information or to place an order, please visit the Hoover Institution Press website at http://www.hooverpress.org/productdetails.cfm?PC=1397.

To read the book online in PDF format, click on the links below. This publication is copyright © 2010 by the Board of Trustees of Leland Stanford Junior University. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without written permission of the publisher.