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This book focuses on the process of competition in our private health insurance market and its effects on the cost of care and access to insurance coverage. Chapters discuss how to minimize the selection of insurers of only the best risks, the labor market effects of mandating benefits, why small employers do not buy heath insurance, and the difficulties of comparing administrative costs between Canada and the United States. The volume concludes with a look at the health policy reform debate by several members of Congress and experts.

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Robert Helms

Robert B. Helms has served as a member of the Medicaid Commission as well as assistant secretary for planning and evaluation and deputy assistant secretary for health policy at the U.S. Department of Health and Human Services (HHS). An economist by training, he has written and lectured extensively on health policy and health economics, including the history of Medicare, the tax treatment of health insurance, and compared international health systems. He currently participates in the Health Policy Consensus Group, an informal task force that is developing consumer-driven health reforms. He is the author or editor of several AEI books on health policy, including Medicare in the Twenty-First Century: Seeking Fair and Efficient Reform and Competitive Strategies in the Pharmaceutical Industry.