National Institues of Health

McClaughry: Overcharged for health care

Silver and Hyman conclude that “our politicized third-party payment system creates bad incentives that attract the already corrupt, and also corrupt the virtuous.” The crucial reform is to move away from non-catastrophic third-party insurance coverage and dramatically expand the role of first-party (consumer) payment in a competitive marketplace.

U.S. Navy

How Congress can reduce Obamacare premiums

We found that premium increases for Obamacare policies were attributable to a maze of new federal insurance mandates, combined with a flawed subsidy design. That unhappy concoction produced disproportionately older and less healthy insurance pools, requiring insurers to price policies higher.