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Foreword by John Raisian
The lay of the land: How many people have what problems?
Can individual insurance help?
Coverage for high risks
Community rating: the worst possible way to do a good thing
What’s wrong with individual insurance?
What is good about the individual market?
How not to critique the individual health insurance market
Lowering administrative costs
Buying groups and exchanges: How many Chihuahuas equal a Great Dane?
Regulation and pricing without exchanges
Insurance company economics, sharp practices, premiums, and exclusions
What to hope for and what to expect
Offering the right product
The ideal and the feasible: compromises and mixes
About the Author
About the Hoover Institution Working Group on Health Care Policy