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Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. This book presents a new theory of consumer demand for health insurance. It holds that people purchase insurance to obtain additional "income" when they become ill.
A sharp exposé of the roots of the cost-exposure consensus in American health care that shows how the next wave of reform can secure real access and efficiency. The toxic battle over how to reshape American health care has overshadowed the underlying bipartisan agreement that health insurance coverage should be incomplete. Both Democrats and Republicans expect patients to bear a substantial portion of health care costs through deductibles, copayments, and coinsurance. In theory this strategy empowers patients to make cost-benefit tradeoffs, encourages thrift and efficiency in a system rife with waste, and defends against the moral hazard that can arise from insurance. But in fact, as Christ...
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A novel book that argues that, contrary to received wisdom, some adverse selection in insurance markets is beneficial to society as a whole. It is for all those interested in public policy arguments about insurance and discrimination: policymakers, academics, actuaries, underwriters, disability activists, geneticists and other medical professionals.
Leading scholars in the field of health economics evaluate the role of incentives in health and health-care decision making from the perspectives of both supply and demand. A vast body of empirical evidence has accumulated demonstrating that incentives affect health care choices made by both consumers and suppliers of health care services. Decisions in health care are affected by many types of incentives, such as the rate of return pharmaceutical manufacturers expect on their investments in research and development, or disincentives, such as increases in copayments patients must make when they visit physicians or are admitted to hospitals. In this volume, leading scholars in health economics...
The thought-provoking essays brought together in Engaging Affects, Thinking Feelings: Social, Political and Artistic Practices balance critical thinking with creative opportunities to imagine new possibilities. With an international breadth that crosses continents and an interdisciplinary orientation that connects diverse scholarly fields, this collection is ambitious in its scope. At the same time, the essays focus on the small details, embodied traces, and intimate spaces of experience often overlooked or devalued within dominant discourses. Exploring diverse issues and methodologies, the contributions here share a willingness to pay close attention to vulnerable subjects that challenge readers to think beyond the rational and binary limits of academic knowledge. As such, the authors simultaneously engage readers’ intellects and emotions as they write passionately about subjects ranging from war, food, sexuality, geography, social media, poetry, photography, and philosophy. The result is a text that offers diverse ways of mobilizing an array of affect theories in relation to specific sites of interpretation, activism, and creativity.
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By the end of the current decade, many baby boomers will be senior citizens. What policies should we enact to prepare for an aging society?In the coming decade, we have a unique opportunity to create new and better aging policies. This collection of twenty essays by prominent educators, researchers, and policy analysts in the field of gerontology brings together innovative ideas from the United States, Europe, and Japan. Instead of focusing on utopian dreams, these exciting proposals are based on policy changes that may well be attainable in the next ten years. The vital concerns addressed in Advancing Aging Policy as the 21st Century Begins include work and retirement issues, the aging pris...