Brief Analyses

Restricted to two letter-size pages, a Brief Analysis summarizes some aspect or aspects of a public policy issue, presenting points for consideration in policy debates or responding to points that have been raised during these debates.

Congress Declares War on HSAs

While Congress has been debating health reform, employers have been creating new consumer-driven health care (CDHC) plans.  In fact, CDHC plans are the only type of health insurance that has been show…

Health Exchange Subsidies Would Impose High Marginal Taxes

Both the House and Senate health reform bills would establish exchanges offering people health insurance policies. Low-income individuals and families who did not have employer-provided health insuran…

Health Insurance Exchange Subsidies Create Inequities

Both the House and Senate versions of the health care bill, as well as the Obama administration's "compromise" proposal, offer large subsidies to encourage low- and middle-income individuals and house…

Economic Freedom, Democracy and the Quality of Life

Capitalism and democracy are both known to improve the quality of life. But which is more effective in promoting social welfare? Three typical measures of social welfare are health, education and dise…

Climate Change: Developing Countries Control the Thermostat

In December 2009, representatives of nearly 200 governments met in Copenhagen, Denmark, to hammer out the details of a new climate change treaty. Treaty drafts indicated that industrialized countries…

Financial Crisis: Lessons Learned

There are many critical lessons to be learned from the financial crisis that began in the fall of 2008 and how it has since been handled. The federal government responded aggressively - at a huge cost…

Financial Crisis: The Fall of the House of Cards
Each financial crisis is different, yet they all feature financial institutions making promises they cannot keep. The conventional explanation for the 2008 financial crisis and recession is that it wa…
Ten Small-Scale Reforms for Pre-Existing Conditions

Most proposals for dealing with the problems of pre-existing conditions would completely divorce health insurance premiums from expected health care costs, requiring health plans to enroll individuals…