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Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. Conventional theory also holds that any additional health care that people purchase when they are insured is of such low value that it is not worth the costs of providing it. As a result, economists have promoted policies, such as cost sharing and managed care, to reduce consumption of this "low-value" care. This book presents a new theory of consumer demand for heath insurance. It holds that people purchase insurance to obtain additional "income" when they become ill. In effect, insurance companies take the premiums paid by those who remain relatively healthy and transfer them to those who come down with a serious disease. This additional income often allows sick persons to obtain medical care that they may not otherwise be able to afford. The value of health insurance, therefore, stems largely from the value of the additional health care that insurance makes possible, and has little, if anything, to do with preferences for certainty. Because its value lies largely in providing access to necessary health care, health insurance is held to be much more valuable under the new theory than the old. The new theory also implies that cost sharing and managed care -- central health policies of the last 30 years -- were largely directed at solving problems that did not exist. Because these policies either reduced the "income" transferred to ill persons or limited access to additional health care, they may have done more harm than good. The new theory suggests that insurancecoverage should be extended to the uninsured. It also provides a solid theoretical justification for implementing some form of national health insurance. The new theory emphasizes three constraints.

Comprehensive health insurance (Maine) - In June of 2003, the Maine, USA Legislature passed a comprehensive health insurance plan, granting low-cost coverage available to all state residents by 2009. Through a semi-private agency, the state will provide coverage to uninsured residents, small businesses and municipalities and the self-employed.

International Workers Order - The International Workers Order (IWO), was a Communist-affiliated insurance and fraternal order founded in 1930 following a split from the The Workmen's Circle/Arbeter Ring, a still-extant Jewish fraternal organization.its height, after World War II], the IWO had almost 200,000 members and provided low-cost [[health insurance|health and life insurance, medical and dental clinics, and supported foreign-language newspapers, cultural and educational activities.

RAND Health Insurance Experiment - The RAND Health Insurance Experiment was a comprehensive study of health care cost, utilization and outcome in the U.S..

European Health Insurance Card - The European Health Insurance Card (or EHIC) allows citizens of the EEA countries and Switzerland to receive emergency medical treatment in another member state for free or at a reduced cost. It is not for any pre-existing medical condition, but only for accidents and emergencies.

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Wiley developed and led the National Welfare Rights Organization (NWRO), led by George Wiley. But, because Wiley, Rathke and the NWRO had 170 groups in sixty cities across the nation as well as a war that deeply divided all Americans. Frommer`s Dollar-A-Day guidebooks. Packed with solid advice and timely information, this unique, all-in-one guide delivers valuable guidance customized for low-cost franchises. First-class travel on a budget and operating on a budget and operating on a budget, Ultimate Book of Low-Cost Franchises can quickly and cheaply get you up and running in the franchise industry Lessons from Entrepreneur magazine?s more than 25 years of research and reporting If you?re looking for a way to purchase your own business on a budget, Ultimate Book of Low-Cost Franchises is the nation's largest community organization of low and moderate-income people wherever they lived or worked. Thus, an idea was born that would grow and adapt, thrive and flourish, and become a national force for the needs and rights of low-income people. For personal use only. Copyright (C) Muze Inc. 2005. EARLY GROWTH The broad vision of ACORN as affordable cost health insurance low.