As the Senate Finance Committee labors to report out a health reform bill, it is becoming increasingly apparent that affordable premiums are taking a back seat to universal coverage. This is an expensive avenue to reform, and it is hard to see how the principles outlined by President Obama – cover the uninsured but do […]

One of the clear trends of the past few years has been the emergence of a bifurcated health insurance marketplace: a heavily state-regulated, largely fully insured market for individuals and small companies and a non state-regulated, self-insured market primarily for larger companies. In the first market the products and benefits are approved by state regulators, […]

The President in his speech to Congress last week used much conciliatory language, such as “ask everyone to take responsibility” and “build on what works rather than try to build an entirely new system from scratch”, but there were some interesting omissions in the list of those who need to pitch in to solve our […]