Policies and Regulations

Competitive Enterprise Institute Senior Fellow Gregory Conko explains the debate over health care

Duration : 0:4:6

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A Video presentation by Tony Powell highlighting the needs for Personal Protection Insurance, presented to the BNI Harald Business Networking Breakfast – Feb 5th 2010

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What will become of the industry when Americans are trading in their policies? For more, click here: http://abcnews.go.com/Business/life-insurance-securitization-wall-street-bet-life-expectancy/story?id=8757456

Duration : 0:2:21

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Complete video at: http://fora.tv/2009/07/15/What_Does_Government-Run_Healthcare_Mean

Michael Cannon, director of health policy studies at the Cato Institute, suggests that big business support for the Obama administration’s health reform is driven by “naked self-interest.” Referring to Wal-Mart and Pharma, Cannon argues that “the administration is carving up the industry, picking winners and losers.”

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Government-run health systems, such as the one in Canada, are pointed to by those on different sides of the issue as examples of what to do or not to do in health reform.

What lessons do these systems hold for the United States as it attempts to overhaul its health care system? What policies should Congress steer clear of?

Join Michael Cannon, director of health policy studies at the Cato Institute and co-author of Healthy Competition: What’s Holding Back Health Care and How to Free It, and Sally Pipes, president and CEO of the Pacific Research Institute and author of Top Ten Myths of American Health Care: A Citizen’s Guide, for a discussion.

Pipes recounts her firsthand experience with the Canadian healthcare system, and both panelists explore what lies ahead for the United States. – Cato Institute

Michael F. Cannon is the Cato Institute’s director of health policy studies. Previously, he served as a domestic policy analyst at the U.S. Senate Republican Policy Committee under Senator Larry E. Craig (R-ID), where he advised the Senate leadership on health, education, labor, welfare, and Second Amendment policy.

In addition, Cannon has worked as a health care policy analyst for Citizens for a Sound Economy Foundation in Washington, D.C. Cannon has appeared on CNN, CNBC, C-SPAN, Fox News Channel, and NPR. His articles have been featured in USA Today, the New York Post, the Chicago Tribune, the Chicago Sun-Times, and the San Francisco Chronicle. Most recently, Cannon coauthored the book Healthy Competition: What’s Holding Back Health Care and How to Free It.

Duration : 0:3:30

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Duration : 0:1:30

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Complete video at: http://fora.tv/2009/10/06/Uncommon_Knowledge_David_Brady_and_Daniel_Kessler

Hoover fellows Daniel Kessler and David Brady discuss tax breaks for employer-based health benefits – what they describe as the “original sin” of the healthcare system. They argue that a tax on employee benefits would help rein in spending.

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David Brady and Daniel Kessler combine the insights of a political scientist with those of an economist and offer unique observations into the political forces and policies at play in the current health care debate.

Brady and Kessler compare the politics of Clintoncare in 1993 to the politics of Obamacare today. If President Clinton couldn’t push through sweeping health care reform in 1993 why does President Obama think he can in 2009? Has public opinion or the health care system changed? Has the health care system itself changed? And what exactly is the substance of the president’s plan and will Congress give him what he wants? – Hoover Institution

David Brady is deputy director and senior fellow at the Hoover Institution. He is also the Bowen H. and Janice Arthur McCoy Professor of Political Science and Leadership Values in the Stanford Graduate School of Business and professor of political science in the School of Humanities and Sciences at the university.

Daniel Kessler is a senior fellow at the Hoover Institution. In addition to his Hoover appointment, he is an associate professor at the Graduate School of Business at Stanford University, where he teaches courses on economics, public policy, and the health care industry.

Peter M. Robinson is a research fellow at the Hoover Institution, where he writes about business and politics, edits Hoover’s quarterly journal, the Hoover Digest, and hosts Hoover’s television program, Uncommon Knowledge.

Duration : 0:4:12

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Complete video at: http://fora.tv/2008/09/16/The_Future_of_Health_Care_The_Candidates_Plans

E. Richard Brown, founder and director of the UCLA Center for Health Policy Research and a health advisor to the Barack Obama 2008 Presidential campaign, summarizes Obama’s plans for health care reform.

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Health care is a major issue in the current presidential campaign. Candidates Barack Obama and John McCain have laid out very different visions, and each believes his plan is best for our nation’s citizenry.

Come learn about each plan from the top policy advisors of each candidate, and take the opportunity to ask your own questions and get answers – The Commonwealth Club of California

Dr. E. Richard Brown is a professor at the UCLA School of Public Health and the founder and director of the UCLA Center for Health Policy Research. He received his PhD in sociology of education from the University of California, Berkeley.

Dr. Brown has studied and written extensively about a broad range of issues and policies that affect the access of disadvantaged populations to health care. His recent research focuses on health insurance coverage, the lack of coverage, and the effects of public policies, managed care, and market conditions on access to health services, particularly for disadvantaged populations, ethnic minorities, and immigrants. Dr. Brown and the Center’s studies of health insurance coverage, uninsurance, and eligibility for public programs have been used by California’s governors, legislators, and advocates in crafting health insurance legislation and programs.

Duration : 0:4:42

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Complete video at: http://fora.tv/2008/09/16/The_Future_of_Health_Care_The_Candidates_Plans

Daniel Kessler and E. Richard Brown, Health Advisors to the John McCain and Barack Obama Presidential campaigns, respectively, discuss why neither candidate supports a single-payer insurance system for the United States.

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Health care is a major issue in the current presidential campaign. Candidates Barack Obama and John McCain have laid out very different visions, and each believes his plan is best for our nation’s citizenry.

Come learn about each plan from the top policy advisors of each candidate, and take the opportunity to ask your own questions and get answers – The Commonwealth Club of California

Daniel Kessler is a senior fellow at the Hoover Institution. In addition to his Hoover appointment, he is an associate professor at the Graduate School of Business at Stanford University, where he teaches courses on economics, public policy, and the health care industry. Among his recent publications are, with Mark McClellan, The Effect of Hospital Ownership on Medical Productivity, forthcoming in the RAND Journal of Economics, and Designing Hospital Antitrust Policy to Promote Social Welfare, which appeared in Frontiers in Health Policy Research. He is the holder of a Ph.D. in economics from the Massachusetts Institute of Technology and a J.D. from Stanford Law School.

Dr. E. Richard Brown is a professor at the UCLA School of Public Health and the founder and director of the UCLA Center for Health Policy Research. He received his PhD in sociology of education from the University of California, Berkeley.

Dr. Brown has studied and written extensively about a broad range of issues and policies that affect the access of disadvantaged populations to health care. His recent research focuses on health insurance coverage, the lack of coverage, and the effects of public policies, managed care, and market conditions on access to health services, particularly for disadvantaged populations, ethnic minorities, and immigrants. Dr. Brown and the Center’s studies of health insurance coverage, uninsurance, and eligibility for public programs have been used by California’s governors, legislators, and advocates in crafting health insurance legislation and programs.

Duration : 0:4:2

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(Best Syndication) Employer based health coverage is disappearing leaving many employed individuals to make their own health care insurance decisions. Due to the high cost of health insurance, many employers are either scaling back their coverage or eliminating it all together, according to a survey by the non-partisan Kaiser Family Foundation.

So what are the differences in health care planes, and which one is best for you? This presentation will provide some information. But first: what is health insurance? Health insurance is a form of group insurance, where policy holders share the risk. Not everyone gets sick at the same time, so most of the premiums go to paying the expenses of those who are. For the most part, in the United States, health insurance is provided by private insurance companies who must make a profit. .

Here are some terms:

Premium: A premium is the amount of money the policy holder pays each month for their coverage.

Deductible: The deductible is the amount the policy holder has to pay out-of-pocket before the health plan kicks in and pays. If a policy holder has a $1,000 deductible, he or she must pay the first one thousand dollars. The expenses may include doctor’s visits, medication, hospitalization etc.

Copayment: The copayment is the amount that the policy holder must pay for a doctor’s visit or other service. For instance, a policy holder may have to pay a $10 co-pay for each doctor visit.

Coinsurance: Coinsurance is similar to a copayment, except this is a “percentage” the policy holder must pay for a service. A customer may have to pay 20% of the cost of surgery.

Coverage Limits: The coverage limit is the maximum an insurance company will pay for a procedure. For instance, if an insurance company only will pay a maximum $100,000 for heart surgery, but the hospital charges $120,000, the policy holder will have to pay the extra $20,000.

Maximum annual or Lifetime Coverage: The lifetime coverage is the maximum an insurance company will pay out in total over your lifetime. There maybe yearly caps as well.

Out-of-pocket Maximums: The out of pocket maximum is where the member’s payment obligation ends. The health insurance company may pay all of the costs after this level is reached. For instance, some insurance policies will pay for every prescription drug after the $500 yearly threshold is reached.

Exclusions: The insurance company may exclude certain procedures or drugs. They may exclude experimental options.

Duration : 0:3:16

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(Best Syndication) Employer based health coverage is disappearing leaving many employed individuals to make their own health care insurance decisions. Due to the high cost of health insurance, many employers are either scaling back their coverage or eliminating it all together, according to a survey by the non-partisan Kaiser Family Foundation.

So what are the differences in health care planes, and which one is best for you? This presentation will provide some information. But first: what is health insurance? Health insurance is a form of group insurance, where policy holders share the risk. Not everyone gets sick at the same time, so most of the premiums go to paying the expenses of those who are. For the most part, in the United States, health insurance is provided by private insurance companies who must make a profit. .

Here are some terms:

Premium: A premium is the amount of money the policy holder pays each month for their coverage.

Deductible: The deductible is the amount the policy holder has to pay out-of-pocket before the health plan kicks in and pays. If a policy holder has a $1,000 deductible, he or she must pay the first one thousand dollars. The expenses may include doctor’s visits, medication, hospitalization etc.

Copayment: The copayment is the amount that the policy holder must pay for a doctor’s visit or other service. For instance, a policy holder may have to pay a $10 co-pay for each doctor visit.

Coinsurance: Coinsurance is similar to a copayment, except this is a “percentage” the policy holder must pay for a service. A customer may have to pay 20% of the cost of surgery.

Coverage Limits: The coverage limit is the maximum an insurance company will pay for a procedure. For instance, if an insurance company only will pay a maximum $100,000 for heart surgery, but the hospital charges $120,000, the policy holder will have to pay the extra $20,000.

Maximum annual or Lifetime Coverage: The lifetime coverage is the maximum an insurance company will pay out in total over your lifetime. There maybe yearly caps as well.

Out-of-pocket Maximums: The out of pocket maximum is where the member’s payment obligation ends. The health insurance company may pay all of the costs after this level is reached. For instance, some insurance policies will pay for every prescription drug after the $500 yearly threshold is reached.

Exclusions: The insurance company may exclude certain procedures or drugs. They may exclude experimental options.

Duration : 0:3:16

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