Description: A proposal to reform current health care market, from a 'preferred payer' system, in which Medicare and Medicaid pay less than the true cost while others must then pay more, to a 'value for money' system. This would be achieved by requiring providers to bill all patients the same rate for the same services, with a standard bundling format to make all providers' rate differences transparent. Differences between billed charges and what Medicare pays would be made up by the Medicare patient, rather than subsidized by those outside of Medicare.

Description: Our society has made promises with respect to retirement, care of the aging baby boom generation, and debt repayment that in total cannot be met. We will need to break some of these promises.

Description: Analysis of the impact of disease progression and treatment on life expectancy provides perspective on the long term costs to the health care system of chronic medical conditions.

Description: Article focusing on the current and future state of health insurance in the U.S.

Description: A discussion of issues and developments that threaten the collective confidence of the LTC insurance industry, including job cutting, changes in reporting requirements, and compliance audits.

Description: This issue wraps up the publication of essays to explore solutions available to address risks in retirement and focus on risks in a DC environment.

Description: There is much to be learned as we balance the consumer’s need for LTC now and in the future along with the insurer’s need for sustainability.

Description: A consideration of the issues involved in adding long-term care provisions to the social security system in France, and how the conditions differ from those in the U.S.

Description: A personal experience of joining the LTC industry and a brief perspective on how to address challenges facing the industry.

Description: Part II of a two-part series discussing individual market evolution from before the ACA through President Trump's first term.