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: An essay suggesting a health care financing system.

Description: The essay discusses the appropriate role of insurance companies, efficient and economical ways to care for chronic illnesses and having a maximum price society will pay to support the ongoing life of any one individual.

Description: Actuaries should understand the economic considerations involved in the formulary drug decision-making process, and the presence of actuarial input in the process could improve it, especially by tying it to overall decision making for the health plan. From Prescription Drugs Monograph, M-HB04-1.

Description: Essay reforming uninsured health care.

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: 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.