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The Destruction of the Health Insurance Industry

Richard Ralston | 5 January 2010
What passes for "reform" in Congress would eliminate health insurance firms.

Twelve Ways to Increase the Cost of Health Insurance

Richard Ralston | 22 December 2009
The Senate bill is a deliberate, systematic deception for the purpose of concealing the cost of a huge expansion of government--and the forced dependence of citizens on politicians for another crucially important aspect of their daily lives.

Health Insurance Fables for Adults

Thomas Sowell | 14 September 2009
As someone who lived through that era, and who spent decades without medical insurance, I find it hard to be panicked and stampeded into bigger and worse problems because some people do not have medical insurance, including many who could afford it if they chose to.

The Market Does Not Ration Health Care: Politically-Controlled Insurance and Rationing (Part 2)

Ari Armstrong | 13 September 2009
Either people have the right to control their produce and to make voluntary exchanges with others, or their property is collectively owned and rationed by politicians.

Suppose Car Insurance Was Considered to Be a 'Right'

John Lewis | 20 August 2009
The major impetus behind the Democratic health care plans is not economic--it is moral. The claim that health care is a moral right has motivated enormous government coercions against the medical industry for nearly fifty years. But this moral claim has blinded people to the fact that huge price increases have necessarily followed the growth of the coercions. To understand why, it is instructive to consider what would happen if car insurance were considered to be a "right" and the right was enforced by the government.

The Politics of Health Insurance

Richard Ralston | 30 October 2008
There are some noteworthy differences between the health care policies advocated by Senators McCain and Obama. Both candidates, however, share fundamental flaws that make either set of proposals largely undesirable and impossible to implement.

A Proper Public Policy for Dealing with Hurricanes and Other Natural Diasters

Thomas Bowden | 23 September 2008
In a free market--without tax-paid levees, government disaster relief, or subsidized insurance--anyone who contemplates building or buying property in a high-hazard area will need to face hard facts about the local history of natural disasters, the efficacy and cost of preventive measures, and the availability of insurance.

Let's Stop Making Disasters More Disastrous

Thomas Bowden | 29 August 2008
The Katrina tragedy should have called into question the so-called safety net composed of government policies that actually encourage people to embrace risks they would otherwise shun--to build in defiance of historically obvious dangers, secure in the knowledge that innocent others will be forced to share the costs when the worst happens.

Before and After Hurricane Katrina: How Government Makes Disasters More Disastrous

Thomas Bowden | 30 April 2008
In a free market--without tax-paid levees, government disaster relief, or subsidized insurance--anyone who contemplates building or buying property in a high-hazard area will need to face hard facts about the local history of natural disasters, the efficacy and cost of preventive measures, and the availability of insurance.

Free-Market Health Insurance Is Not the Enemy

Richard Ralston | 5 February 2008
Much of the current debate about health care is between those who want the government to wipe all insurance companies out of existence and those who instead want the government to force everyone to buy regulated private insurance. Both sides ignore the fundamental context for any discussion of health care in America: individual rights and personal choice.
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