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Shah N: Insured to Death

Insured to Death

How Health Insurance Screws Over Americans - And How We Take It Back

This book is a work of contemporary economic history focusing primarily on the US and the UK. It shows that, historically, much of the wealth of the ultra-wealthy has been based on inheritance, tax evasion, political influence, or wage theft. Today, much of the wealth of the rentier class—the super-rich—is based on income from ownership or control of scarce assets, or assets artificially made scarce. As a result, the super-rich reap much of their wealth from patents, monopolies, and subsidies. Their banks retain the right to speculate on risky derivatives, and their credit-card companies are not limited by usury laws that reduce interest rates. The super-rich have lowered (or escaped) inheritance taxes, shifted much of their income to lower taxed capital gains, practiced wage theft, fought minimum wage laws, outsourced jobs, and resorted to temps and contract labor to avoid unions and decent wages. They use tax havens where trillions of dollars remain untaxed, transfer profits of theirintellectual and financial property to subsidiaries in low-tax regimes, and defend for-profit health insurance that is unaffordable and inequitable for millions. This book states in qualitative and quantitative terms how expensive the super-rich have become, why they are unsustainable for the rest of us, and what the way forward to greater economic equality may be. In sum, the super-rich are unaffordable.

How the Super-Rich Robbed Main Street

Monopoly Restored

Economics and Finance (R0)

This book is a work of contemporary economic history focusing primarily on the US and the UK. It shows that, historically, much of the wealth of the ultra-wealthy has been based on inheritance, tax evasion, political influence, or wage theft. Today, much of the wealth of the rentier class—the super-rich—is based on income from ownership or control of scarce assets, or assets artificially made scarce. As a result, the super-rich reap much of their wealth from patents, monopolies, and subsidies. Their banks retain the right to speculate on risky derivatives, and their credit-card companies are not limited by usury laws that reduce interest rates. The super-rich have lowered (or escaped) inheritance taxes, shifted much of their income to lower taxed capital gains, practiced wage theft, fought minimum wage laws, outsourced jobs, and resorted to temps and contract labor to avoid unions and decent wages. They use tax havens where trillions of dollars remain untaxed, transfer profits of their intellectual and financial property to subsidiaries in low-tax regimes, and defend for-profit health insurance that is unaffordable and inequitable for millions. This book states in qualitative and quantitative terms how expensive the super-rich have become, why they are unsustainable for the rest of us, and what the way forward to greater economic equality may be. In sum, the super-rich are unaffordable.

Jack Lawrence Luzkow

This study investigates the situation of Universal Health Care (UHC) in China from a health economic perspective. The first chapter introduces the historical background, analyzes the relevance of UHC and sheds light on the current health insurance status. In this chapter a new holistic health insurance theory is proposed that allows the inclusion of preventive medicine. The second chapter introduces the "Definition and concept" consisting of three dimensions: Firstly, the height dimension with the leading question "What proportion of the costs is covered?". Secondly, the depth dimension that is concerned with the question "Which benefits are covered?". This chapter puts a special focus on the important economic role of non-communicable diseases. Thirdly, the breadth dimension which investigates the question "Who is insured?". 
The third chapter, looking at the first dimension, found a high but shrinking amount of out-of-pocket payments and catastrophic health payments. Comparing the payment and benefit distributions, it found the ability to pay principle and insufficient separation of health service payments from its consumption. The second dimension discovered problems concerning the roles of ministries, financing and the benefit package. Reforming these areas will be necessary to provide people with appropriate health care. The third dimension showed that migrant workers are exposed to more health risks, have less access to health care and a lower health status. The de facto coverage rate for the Chinese population (including migrant workers) was calculated to be 81.19% in 2011 and 82.16% in 2020. The goals of the Chinese Communist Party (90% in 2011 and nearly 100% in 2020) are hence not reached. 
The study closes with a "Summary and conclusion, a "Boundaries and discussion" and an "Outlook" section.

A Health Economic Perspective

Universal Health Coverage in China

The latest edition of the gold standard in the economics and financing of health care

In the newly revised Sixth Edition of Health Economics and Financing, an expert team of authors delivers an authoritative discussion of key topics in the economic and finance issues relevant to health care. From cost-benefit and cost-effectiveness analyses to the economic considerations driving the choices of physicians, hospitals, and pharmaceutical companies, the book explores the influence of financial considerations - both public and private - that remain front-of-mind for modern health care decision makers.

Health Economics and Financing

Written by two medics, who are also qualified economists, this introduction to health economics draws on a wider range of economic thinking than that normally underpinning health policy to explore how economics can best contribute to improved health care.

An Integrated Approach to the Economics of Health

Medical Economics

Why federalism is pulling America apart-and how the system can be reformed

Federalism was James Madison's great invention. An innovative system of power sharing that balanced national and state interests, federalism was the pragmatic compromise that brought the colonies together to form the United States. Yet, even beyond the question of slavery, inequality was built into the system because federalism by its very nature meant that many aspects of an American's life depended on where they lived. Over time, these inequalities have created vast divisions between the states and made federalism fundamentally unstable. In The Divided States of America, Donald Kettl chronicles the history of a political system that once united the nation-and now threatens to break it apart.

Exploring the full sweep of federalism from the founding to today, Kettl focuses on pivotal moments when power has shifted between state and national governments-from the violent rebalancing of the Civil War, when the nation almost split in two, to the era of civil rights a century later, when there was apparent agreement that inequality was a threat to liberty and the federal government should set policies for states to enact. Despite this consensus, inequality between states has only deepened since that moment. From health care and infrastructure to education and the environment, the quality of public services is ever more uneven. Having revealed the shortcomings of Madison's marvel, Kettl points to possible solutions in the writings of another founder: Alexander Hamilton.

Making an urgent case for reforming federalism, The Divided States of America shows why we must-and how we can-address the crisis of American inequality.

Why Federalism Doesn't Work

The Divided States of America

The first edition introduced the revolutionary notion that customer complaints are not annoyances to be dodged, denied, or buried, but are instead valuable pieces of feedback. This updated edition explores how this feedback can be used to improve an organization's products and services.

How to Learn from Critical Feedback and Recover Customer Loyalty

A Complaint Is a Gift, 3rd Edition

Business Statistics of the United States

Business Statistics of the United States is a comprehensive and practical collection of data from as early as 1913 that reflects the nation's economic performance.

Patterns of Economic Change

Business Statistics of the United States 2025

U.S. DataBook Series

Business Statistics of the United States is a comprehensive and practical collection of data from as early as 1913 that reflects the nation's economic performance. The 2021 edition examines the dramatic effect that COVID-19 had on the U.S. and world economies.

Business Statistics of the United States 2021

Thoroughly examine how microeconomic principles apply to health care delivery and its policies with Henderson's insightful HEALTH ECONOMICS AND POLICY, 8E. Updates and expanded content help you explore the changing nature of health care, the social and political sides of issues and the future of health care delivery and finance as the U.S. transitions beyond the Affordable Care Act. You learn how to analyze public policy from an economic perspective as new content addresses today's policy environment and changes as well as reform alternatives. Special features address issues in healthcare today, profile health care leaders and offer global comparisons. A convenient new eBook format provides imbedded links to extra content. New appendices show you how to interpret empirical results and perform economic evaluations. This edition clearly introduces an engaging economic side of health care that's interesting no matter what your major or future plans.

Health Economics and Policy

An urgent rethinking of the Western approach to mental health, which treats the symptoms rather than the exploitative systems causing our distress—by a Rhodes Scholar and Harvard Medical School physician-anthropologist—offering lessons from the rest of the world. What if the mainstay of mental health care involved cancelling onerous debt, giving poor people free housing, and paying reparations to the descendants of slavery and colonialism? In Empire of Madness, Dr. Khameer Kidia re-evaluates the Western approach to mental health, which medicates symptoms instead of changing the structures that harm the human psyche. A physician and researcher whose own family suffers from the psychological effects of colonialism, Kidia highlights the limitations of the Western mental health model by reporting from the front lines of mental health crises at home, in the clinic, and during a decade of fieldwork. Clear-eyed and openhearted, Kidia asks the nuanced questions unaddressed by our current mental health model: How do history, culture, and politics shape mental distress? Are hoarding and burnout medical diagnoses or social problems? Why are schizophrenia outcomes sometimes better in poor countries without antipsychotics? Can a traditional healer treat mental illness better than a Western-trained clinician? For those living in poverty, can cash replace pills? With rigorous research, cutting analysis, and illuminating prose, Kidia invites us to reimagine mental health as a global idea where our wellbeing is mutual and everyone’s voice—patients, caregivers, and healthcare workers alike—matters.

Reimagining Western Mental Health Care for Everyone

Empire of Madness

'Demonstrates how to create enduring value' - Larry Fink, Chairman and CEO of BlackRock 'For leaders seeking to create outsized impact' - Ruth Porat, President and CIO of Alphabet and Google Expert advice to master your potential, from the founder and CEO of Discovery and Vitality. Adrian Gore built a company from a single, bold idea into a global financial group serving over 40 million customers across more than forty markets. He didn't just scale a business; he created a whole new shared-value business model, a system so revolutionary it's taught as a case study at Harvard Business School and has been recognized by Fortune magazine as 'changing the world'. In The Four Principles, Gore reveals the framework and guiding principles that powered this success for the first time. Moving beyond standard leadership advice, he explores the behavioural science and 'multiplier effect' that occur when these four principles intersect:<ol><li>Disciplined Optimism: We have a default tendency to seek out negative signals. Learn why choosing optimism is the most rational path to seizing overlooked opportunities.</li><li>Focused Urgency: Why your perceived time to make an impact is shorter than you think. Recognizing this can act as your greatest motivator.</li><li>Declared Goals: Psychologically, avoiding a loss feels twice as important as achieving a gain. Setting bold goals triggers this force, unlocking radical motivation and decisive action.</li><li>The 'Pareto Tail': Building on the other principles, learning to identify and target a few high-power decisions can determine your life's entire trajectory.</li></ol> Gore argues that our instincts, shaped for a simpler, linear world, often mislead us in today's complex, networked age. The Four Principles challenges these outdated mental models and shows you how to harness your potential for truly remarkable results - personally and professionally. 'Important reading for those aspiring to leadership or seeking to make an impact on the world' - Lord William Hague, Chancellor of the University of Oxford 'The Four Principles distils decades of leadership and insight into a practical framework that explains what matters - and why' - Sir Mark Tucker, Chairman, AIA Group

Multiply Your Impact in Life and Leadership

The Four Principles

Insured to Death

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