Contributors  Foreword  Introduction Part I: What, If Anything, Is Wrong With Private Health Insurance? Problems and Prospects in Multiple-Option Health Plan Settings Managed Competition--Why We Don't Have It and How We Can Get It Biased Selection--Fairness and Efficiency in Health Insurance Markets Why Preserve Private Health Care Financing? Commentary on Part I The Nature of the Problem--Discussion of Part I Part II: What Should Be the Role for the Private Sector in Improving Access to Health Care? Mandated Benefits and Compensating Differentials--Taxing the Uninsured The Dilemma of Affordability--Health Insurance for Small Businesses Appendix 7-A: List of Robert Wood Johnson Foundation Project Locations Regulating the Content of Health Plans Commentary on Part II The Role of the Private Sector--Discussion of Part II Part III: What Can Reform Achieve in Health Care Cost Containment? Innovations and Impediments in Private Sector Initiatives Medicare as the Basis for All-Payer Provider Payment Reform The Five W's of Utilization Review The Hidden Costs of Budget-Constrained Health Insurance Systems Appendix 12-A: Calculation of Private Insurance Overhead Appendix 12-B: Costs of Nonprice Rationing of Physicians' Services Commentary on Part III Containing Health Care Cost--Discussion of Part III Part IV: What Are the Choices Among Policies to Achieve Reform? Why Is Health Care So Hard to Reform? The Search for Adaptable Health Policy Through Finance-Based Reform Elimination of Employer-Based Health Insurance Commentary on Part IV The Role of Choice in Health Policy Reform--Discussion of Part IV Part V: The Politics of Health Policy Reform Commentary Health Reform Politics--Discussion of Part V