Description: An essay suggesting a health care financing system.

Description: This essay highlights that the healthcare of the future should offer unversal coverage, preserve competitiveness, research cost and quality and offer free or low cost preventative services.

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.

Description: Essay where payers desiring to optimize health gains per dollar spent should avoid “across the board” cost sharing, and instead implement a “value based” design that removes barriers/provides incentives to encourage desired behaviors for patients and providers.

Description: Medical insurance today is more like pre-paid medical payments. Medical insurance should be bought for protection, but rarely used, like auto insurance.

Description: This paper examines the impact at Harvard Pilgrim Health Care of the introduction of specialty networks, shift to mail-order prescriptions, shifts to generic prescriptions, and product mix shifts to overall pharmacy trend. From Prescription Drugs Monograph, M-HB04-1.

Description: A summary of Medicare reform and its effect on prescription drug coverage.

Description: Because of the expected dramatic rise in chronic disease prevalence due to aging and obesity, and increased cost per case due to new technology and drugs, there has been intense focus on managing the cost of treating chronic diseases. From Financing Chronic Care Monograph, M-HB05-1.