Table of Contents
Introduction A New Approach to Public Policy 1
Section 1 A Better Way to Manage Life's Risks 11
1 The Case for Change 13
2 Balancing Individual and Societal Interests 23
3 Alternatives That Offer Individual Choice 33
4 Choice, Ownership, Responsibility 43
Section 2 Taking a Closer Look at the Risks 53
5 The Risk of Growing Too Old and Outliving One's Assets 55
6 The Risk of Dying Too Young and Leaving Dependent Family Members without Resources 101
7 The Risk of Becoming Disabled and Facing Financial Ruin 103
8 The Risk of Facing a Major Health Event and Being Unable to Afford Needed Medical Care 117
9 The Risk of Becoming Unemployed and Finding No Market for One's Skills 157
10 The Risk of Plagues, Pandemics, and Other Threats to Public Health 167
Section 3 Taking a Closer Look at Some Solutions 175
11 Addressing the Risks of Old Age 177
12 Opting Out of Survivor Insurance 223
13 Opting Out of Disability Insurance 225
14 Addressing the Risk of 111 Health 239
15 Opting Out of Unemployment Insurance 273
16 Combatting the Coronavirus 277
Conclusion Life under a Reformed System 287
Appendix 1 Ten Things You Need to Know about Medicare for All 293
Appendix 2 What Socialized Medicine Looks Like 303
Notes 309
Index 357
About the Author 371