The private health insurance industry is unable to provide nearly 40 million Americans with basic health care. Relying on data from a wide range of publications about this secretive industry, Lawrence D. Weiss investigates the causes of the industry's problems and analyzes the social effects of the growing crisis. The causes include excessive overhead costs, widespread inefficiency, and exemptions from antimonopoly regulations; the social effects include small businesses' inabilities to provide adequate coverage for their employees, the reluctance of many carriers to insure certain social groups, and the disproportionate burden on minorities. Addressing these dilemmas, Lawrence D. Weiss offers a timely and important analysis of the health insurance crisis in America.

chapter chapter three|16 pages

Creating the Uninsured

chapter chapter four|9 pages

Employer Cost-Cutting Strategies

chapter chapter five|18 pages

Fraud and Deception

chapter chapter six|9 pages

Price Fixing and Conspiracy

chapter chapter seven|15 pages

Insolvencies: Insurance Companies That Cannot Pay Claims

chapter chapter eight|7 pages

The Inefficient Private Sector

chapter chapter ten|4 pages

Summary and Conclusions