Full Document

FormatFile SizeNotes
PDF file 0.6 MB

Use Adobe Acrobat Reader version 10 or higher for the best experience.


Purchase Print Copy

 FormatList Price Price
Add to Cart Paperback13 pages $20.00 $16.00 20% Web Discount

Outlines the objectives of national health insurance, discusses the critical issues involved in assessing the various plans that have been proposed, and appraises the three main types of plans. Plan types include (1) the "catastrophic" approach, coverage requiring a high deductible and intended only to prevent financial devastation due to the cost of medical care, (2) "intermediate" approach, covering more than disastrous illnesses and requiring less out-of-pocket payment, and (3) full coverage of all medical-care expenses. None of the approaches is likely to substantially improve the nation's health. All provide financial protection against catastrophic illnesses; all redistribute income from the healthy to the sick, in different degrees; all can make the medical-care system more efficient. A fundamental choice must be made about whether efficiency is best promoted by market incentives — leaving the administration of national insurance in private hands — or by centralization in the public sector.

This report is part of the RAND Corporation Paper series. The paper was a product of the RAND Corporation from 1948 to 2003 that captured speeches, memorials, and derivative research, usually prepared on authors' own time and meant to be the scholarly or scientific contribution of individual authors to their professional fields. Papers were less formal than reports and did not require rigorous peer review.

Permission is given to duplicate this electronic document for personal use only, as long as it is unaltered and complete. Copies may not be duplicated for commercial purposes. Unauthorized posting of RAND PDFs to a non-RAND Web site is prohibited. RAND PDFs are protected under copyright law. For information on reprint and linking permissions, please visit the RAND Permissions page.

The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.