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.

Medical Savings Accounts: The Momentum Builds

Medical Savings Accounts, also called Medical IRAs and Medisave Accounts, have more support in Congress than any other proposal to control health care costs.

Community Rating A Cure Worse Than the Disease

Under "community rating" health insurers are required to charge the same premium to every policyholder, regardless of their expected health care costs. Under "modified" community rating, premiums may…

Two Cheers for Senator Dole

Senator Bob Dole (R-KS) has just proposed a health care reform plan. The Dole plan builds on key reform ideas developed by the National Center for Policy Analysis. However, some benefits of the reform…

Risk Pools: A Better Solution

One problem with our health care system is that many sick people who lose their health insurance find it impossible to purchase new coverage. Insurers may classify them as uninsurable, offer them a po…

Patient power vs. Bureaucracy Power

Relatively simple reforms would go a long way toward solving our most pressing health care problems without creating new ones. Unfortunately, the underlying debate is not about how to solve our health…

Why Employer Mandates Hurt Workers

Are employer mandates the best way to pay for health care reform? Virtually all studies of mandates conclude that they kill jobs. Even the Clinton administration agrees.

The Phony War on Crime

The new crime bill is now in the hands of a congressional conference committee, which is resolving differences in the House and Senate versions. Despite some beneficial provisions, many are convince…

Universal Coverage Without Mandates

A common assumption in the current health care debate is that universal health insurance coverage requires an employer or individual mandate. Either directly or indirectly, these mandates would requir…