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: We demonstrate an integrated enterprise risk management (ERM) solution to optimize the risk portfolio, identify natural hedges, create an optimal risk treatment plan, enhance risk culture, and facilitate risk reporting throughout the organization.

Description: An essay suggesting a health care financing system.

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 provides an outline of three potential initiatives that may be undertaken by the government and the private sector. The first initiative aims at reducing the cost of health care at the provider level. The second initiative provides a means to improve the quality of health care. The third initiative creates a constructive basis for identifying medical best practices to enhance quality.

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: This paper explores deficiencies in our present health care system, and examines how they hinder the provision of optimal chronic illness care. From Financing Chronic Care Monograph, M-HB05-1.

Description: Mortality in the U.S. states at ages 80 and older and over years 1959–2011 analyzed and compared with mortality levels in 13 high-longevity countries.

Description: Essay reforming uninsured health care.

Description: Mortality in the U.S. states at ages 80 and older and over years 1959–2011 analyzed and compared with mortality levels in 13 high-longevity countries.