Studies

NCPA studies generally break new ground on policy issues. A study seeks to cast new light on an issue and to stimulate policy-makers and others to think of new, innovative solutions to the problems associated with the issue. Studies may combine several elements of analysis, including original research, reviews of academic literature, creative approaches for solving public policy problems, and economic modeling.

The 2004 Medicare and Social Security Trustees Reports

The 2004 Medicare and Social Security Trustees Reports show that programs for the elderly are on an unsustainable course. The expenditures exceed the revenues to be collected, and the funding gap is p…

Who Pays Higher Prices for Prescription Drugs?

Who pays the lowest prices for prescription drugs?  Patients who pay for drugs themselves have an incentive to shop for the lowest price, whereas those patients whose drugs are paid for by third parti…

The Impact of Social Security Reform on Women in Three Countries

This paper analyzes the differential impact on the two genders of pension reforms in Chile, Argentina and Mexico, which have adopted systems in which social security benefits are primarily financed by…

How Large Is the Federal Government's Debt?

Social Security and Medicare have made future promises far in excess of tax revenues that will be collected at current tax rates. The difference between what has been promised to current and future ge…

Shopping for Drugs

As Congress debates ways to lower the cost of prescription drugs for seniors, and state governments debate ways to lower drug costs for almost everyone else, it may be time to consider a commonsense s…

Reforming Medicare

Medicare is in need of reform. In a few years, as medical costs escalate and baby boomers retire, Medicare and Social Security will place significant burdens on the federal budget.

Does It Pay Both Spouses to Work?

Social Security was created in an era in which the typical household consisted of a working husband and a stay-at-home wife. The structure of Social Security rewards that type of arrangement and penal…

Insuring the Uninsured through Association Health Plans

Part of the solution to insuring the uninsured is the creation of Association Health Plans.  These are plans created for individuals and groups who belong to associations that are related to jobs, car…