Description: This paper offers basic, economic and actuarial ideas to improve the balance of cost, access to treatment and quality over time.

Description: Essay discussing cost, quality and access of healthcare and then describes the need for rationing.

Description: Essays show a new system that will encompass minor changes to the current health insurance system, it will allow consumers to sign up for Federal Employees Health Benefit Plan and be administered like Medicare but with more benefits and emphasis on preventive care.