Description: While there are many issues in healthcare, the single most significant issue is cost, both in terms of the cost today and in terms of the growth in cost over the past several decades. We need to increase the ability of all citizens to purchase healthcare services or health insurance that in turn purchases healthcare services, and decrease the growth in the cost of healthcare.

Description: This paper, first published in 1982 in the Transactions of Society of Actuaries, Vol. 34, discusses the phenomenon of durational antiselection, a commonly observed steady and seemingly irreversible increase in loss ratios on mature blocks of individual health insurance policies. The author, William F. Bluhm, constructs a model to explain the deterioration of loss ratios over time, and to quantify the cumulative antiselection effect. This paper was awarded the 1980-82 Triennial Prize. The paper includes written discussion and the author’s review of discussion.

Description: This paper discusses the the continuing cost of health insurance coverage represents a major problem for most of us. However, the long-term continuation of the excess growth rate of the health care economy verses the rest of the economy has the potential makings of a major crisis.

Description: Essay reforming healthcare where participants have a vested interest in reaching the best answer.

Description: Essay stating accessibility, affordability and efficiency are the key to success in the future of healthcare.

Description: Essay states a competing American ideals for the U.S. Health care system include free markets which foster competition, cost effectiveness and quality health care vs.public and private assistance which provides health care independent of a person’s financial means.

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

Description: Essay suggesting to fix the tax code, reform healthcare regulations, open the industry to competition and reform malpractice litigation.

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.