Bøger af Mark V. Pauly

Medical savings accounts (MSAs), an alternative to conventional health insurance, are designed to offer individuals the opportunity to save money while providing greater economic efficiency in the medical care sector. However, this study argues that MSAs are unlikely to lead to efficient spending.

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The authors offer principles for reform designed to encourage equity, efficiency, and accountability in all publicly funded health care programs.

The authors chronicle changes in U.S. attitudes about health care and consider policy trade-offs and problems of a tax credit/voucher system to finance health insurance.

This study analyzes the effects of a variety of forms of tax credits, especially for workers whose incomes place them above the poverty line but below the median family income.

Evidence suggests that cost-effective preventive measures are sometimes rewarded by insurers in ways that could change their clients' behavior. These examples reveal that insurance activities are not always in the best interest of individuals at risk. This book discusses such behavior with the intent of categorizing these insurance "anomalies".

Preface - Notes on the Contributors - Introduction; J.Finsinger and M.V.Pauly - GREAT BRITAIN - Regulation of the UK Insurance Industry; J.Tapp - UNITED STATES OF AMERICA - Regulation and Quality Competition in the US Insurance Industry; M.Pauly, H.Kunreuther and P.Kleindorfer - GERMANY - A State Controlled Market: The German Case; J.Finsinger - SWEDEN - The Regulation of the Swedish Insurance Industry; K.Skogh - SWITZERLAND - Insurance Regulation in Switzerland: An Outline with Special Reference to Life and Motor Car Liability Insurance; C.B.Blankart and F.Schneider - Regulation Induced Price Instability in Swiss Motor Car Liability Insurance; C.B.Blankart and J.Finsinger - FRANCE - The French Automobile and Life Insurance Markets; J.Finsinger and R.Waldmann - The French Insurance Market; J-F.Outreville - CANADA - The Economics of Life Insurance Regulation; G.F.Mathewson and R.A.Winter - Descriptive Evidence on the Canadian Insurance Industry; G.F.Mathewson and R.A.Winter - Index

A comprehensive policymaker's guide to the Medicaid program, Medicaid Everyone Can Count On offers unique insights into the complex interactions among stakeholders in Americäs state-based public health care programs. In an era of national health care reform, this volume is an invaluable resource for federal and state lawmakers and program analysts tasked with crafting policies that balance the distinct needs of taxpayers, providers, and the poor. Working from theory to practice, Thomas W. Grannemann and Mark V. Pauly develop an approach to Medicaid policy based on a keen understanding of the forces that have shaped the program. They begin by examining the program¿s intellectual foundations¿American altruism and the principles of equity, efficiency, and democracy. They then ask the question: What are the inherent strengths and weakness of the American approach to financing medical care for the poor? The answers it turns out have direct implications for how best to approach implementing health reforms that would extend eligibility, control costs, and provide better value both to program recipients and to taxpayers. Building on the theory of public choice and economic analysis, the authors offer new perspectives on the program and its flaws, including unequal benefits among the states, federal funding that is poorly matched to state needs and resources, and disparities in payment to health care providers. To correct these flaws reform initiatives need to focus on two leverage points¿federal financing and provider payment¿that control the flow of resources and influence the behavior of states and medical care providers. The authors offer suggestions for using these tools to address policy issues in areas such as eligibility, benefits, care management, provider incentives, and federal assistance to the states. At this transitional point in the program¿s history, Grannemann and Pauly provide a consistent framework for thinking about Medicaid policy, one which has many practical implications for policy